Cash Converters International (CCV) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of Cash Converters International stock A$0.63, price A$0.26, upside +141.9%, quality 42 out of 100. Rating: strongly undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range A$0.1558 – A$0.3489 · fair‑value band A$0.3825 – A$0.8160 · the A$0.2600 price screens below the A$0.6290 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Cash Converters International Limited, together with its subsidiaries, provides unsecured lending and second-hand retail services in Australia, New Zealand, the United Kingdom, and internationally.
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It operates through Personal Finance, Vehicle Financing, Store Operations, New Zealand, and United Kingdom (UK) segments. The company offers personal loans and vehicle financing services.
It is also involved in the retail sale of new and second-hand goods and pawnbroking operations through corporate owned and franchised stores. The company was founded in 1984 and is headquartered in Perth, Australia.
Stock analysis
Cash Converters International (CCV) currently trades at A$0.2600, while our model-based Fair Value estimate is A$0.6290, implying the stock looks roughly 59% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of A$0.8950 per share, and 22 of the 26 models we run sit above the A$0.2600 price.
Bear case: the Asset-Based group reads lowest at A$0.1600, and 4 of the 26 models stay below the price. Data coverage for this calculation is low.
Scenario range: A$0.3825 (bear) to A$0.8160 (bull), the price of A$0.2600 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 42/100 (below-average quality), in the Consumer Cyclical sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Cash Converters International reported revenue of A$425M in FY2026 versus A$212M in FY2022, a compound +19.0%/yr. Reported net income was A$19.7M in FY2026, compounding +15.2%/yr from FY2022.
Key figures
Market cap A$190M (≈ $131M) Micro · P/E ratio 8.7 · P/S ratio 0.46 · EPS (TTM) A$0.0300 · Dividend yield 7.7% · Net margin 4.8% · Return on equity 8.2% · Return on assets (EBIT) 9.6% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 23% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −5% fair-value upside, at 142%, CCV screens cheaper than that median.
Fair Value models
BearA$0.3825Fair Value A$0.6290BullA$0.8160
Price A$0.2600 · Upside +141.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then (A$0.0036 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
FCF DCFA$0.4500A$0.7500A$1.4976
Residual IncomeA$0.2800A$0.2900A$0.310076
Growth DCFA$0.4300A$0.8000A$1.4075
All 26 models by family
DCF Models
FCF DCFA$0.4500A$0.7500A$1.4976
Owner EarningsA$0.6500A$1.36A$2.6272
5Y Revenue ExitA$0.4600A$0.9000A$1.6769
5Y EBITDA ExitA$0.6600A$1.35A$2.4971
5Y P/E ExitA$0.4000A$0.8300A$1.3668
10Y Revenue ExitA$0.4300A$0.8900A$1.5164
10Y EBITDA ExitA$0.5800A$1.23A$2.4164
10Y P/E ExitA$0.4200A$0.8100A$1.4561
Earnings-Based
Graham-DoddA$0.1900A$1.25A$1.7563
Lynch FVA$0.3700A$0.5200A$0.680061
PEG = 1.0A$0.3700A$0.5200A$0.680057
EPVA$0.3400A$0.3900A$0.440074
Dividend Discount
Gordon GGMA$0.1400A$0.2400A$0.330068
DDM Multi-StageA$0.1400A$0.2200A$0.260067
Multiples
P/E MultipleA$0.4500A$0.6000A$0.750063
P/S MultipleA$0.3500A$0.4700A$0.580058
P/B MultipleA$0.1400A$0.1900A$0.240055
EV/EBITA$0.6200A$0.9000A$1.1865
EV/EBITDAA$0.6300A$0.9200A$1.2067
EV/RevenueA$0.2700A$0.4800A$0.690052
Asset-Based
NCAV (Graham)A$0.1200A$0.1600A$0.240054
Growth DCF
Growth DCFA$0.4300A$0.8000A$1.4075
Rev-Margin DCFA$0.4600A$0.9200A$1.6169
Economic Profit
Residual IncomeA$0.2800A$0.2900A$0.310076
ROIC CompounderA$0.3400A$0.4400A$0.550072
Growth Earnings
Growth-Adj P/EA$0.5200A$0.7400A$0.960067
The fair value above starts from this blend and is adjusted for dilution from new shares.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.77/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+11.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.3%
Start year 2021 (pandemic)
Revenue growth 29 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.5%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+12.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.7%
Dividend (yield on the price)7.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.4.7% vs −4.1%, picking up
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.17% → 11%
Pace: the 5-year rate starts in 2021 (pandemic)
⚠ Revenue per share shrinking 2.4%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+5.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+10.0%
Yearly sales growth analysts expect, extended to five years.
After inflation (Australia: IMF forecast 3.0% a year to 2030, 2.9% from 2016 to 2025) that is about +2.3% a year for the price and +6.8% for the forecasts.
Compare Cash Converters International with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Specialty Retail · 203 stocks
Beats the industry median on 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score42 · Bottom 25%
Fair Value upside+141.9% · Top 25%
Profitability
Return on equity (12 months)8.2% · Below median
Return on assets3.7% · Above median
Net margin (12 months)4.8% · Above median
Operating margin (12 months)7.2% · Above median
Growth and dividend
Revenue growth (quarter YoY)18.0% · Top 25%
Dividend yield (12 months)7.7% · Top 25%
Balance sheet
Debt / equity0.29× · Above median
Valuation Multiplesvs Specialty Retail median · lower = cheaper
P/E (12 months)8.7× · Cheapest 25%
P/B0.75× · Cheapest 25%
P/S (12 months)0.46× · Cheaper than median
Price / free cash flow (fiscal year)8.8× · Cheaper than median
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Cash Converters International Fair Value". https://www.fairvalue-calculator.com/stock/CCV
Frequently asked questions
Is Cash Converters International (CCV) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of A$0.6290 versus a price of A$0.2600, about +142% upside (undervalued).
What is the fair value of CCV?
Our model-based fair value for Cash Converters International is A$0.6290 (as of Nov 4, 2026), built from audited fundamentals. The current price: A$0.2600.
What is the quality score of CCV?
Cash Converters International has a Quality Score of 42/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Cash Converters International (CCV)?
Our model-based price target is the fair value of A$0.6290 (as of Nov 4, 2026) from 26 valuation models. Cautious scenario A$0.3825, optimistic scenario A$0.8160. It is a calculation from audited fundamentals, not an analyst target.
What is the Cash Converters International stock forecast for 2026?
Our models put fair value at A$0.6290, about +142% upside versus a price of A$0.2600 (undervalued). Cautious scenario A$0.3825, optimistic scenario A$0.8160. The calculation is refreshed regularly with new filings.
What is the revenue of Cash Converters International (CCV)?
Cash Converters International reported trailing-twelve-month revenue of about A$409M (latest available figure, as of Nov 4, 2026).
Does Cash Converters International pay a dividend?
Cash Converters International currently shows a dividend yield of 7.69% relative to its recent price (as of Nov 4, 2026).
How much is the dividend of Cash Converters International (CCV) and when is the ex-dividend date?
Cash Converters International pays a dividend of A$0.02 per share a year, a dividend yield of 7.7%. The last ex-dividend date was Sep 3, 2026. A dividend has been paid every year since 2021. The payout ratio is 66.7% of earnings. Free cash flow covers the dividend 1.50 times. Our assessment: Sustainable. Payout and cash coverage both look sustainable.
What growth is priced into Cash Converters International (CCV)?
For today's price to be fair in a discounted-cash-flow model, Cash Converters International would have to grow free cash flow by +5.3 % per year for five years (discount rate 11.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +16.3 % per year. As of Nov 4, 2026.
What discount rate (WACC) does the fair value of CCV use?
Our models discount Cash Converters International at 11.3 %: a base by market capitalisation (micro), damped by beta 0.61, country premium for Australia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Cash Converters International that is +5.3 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (11.3 %) and the same formula as our fair value.
How much growth has Cash Converters International (CCV) delivered so far?
Over the past 5 years revenue at Cash Converters International grew +16.3 % a year. The price currently implies free-cash-flow growth of +5.3 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Cash Converters International (CCV) growing?
The median revenue growth in the sector is +4.8 % a year. That is the yardstick for the growth priced into Cash Converters International (+5.3 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Cash Converters International (CCV)?
The free-cash-flow yield on the price is 11.35 %: that much free cash flow Cash Converters International produces per unit of market value. When it exceeds the discount rate of our models (11.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Cash Converters International (CCV)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Cash Converters International it is A$0.6290 per share (as of Nov 4, 2026), against a price of A$0.2600. It is the blended result of 26 valuation models in 8 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is Cash Converters International stock overvalued or undervalued in 2026?
As of Nov 4, 2026, CCV trades below its calculated fair value: price A$0.2600, fair value A$0.6290, a gap of about +142% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CCV?
No. The price is what the market pays today (A$0.2600); the fair value is what the company's own numbers justify (A$0.6290). For Cash Converters International the two are A$0.3690 per share apart. That gap is exactly why we show both numbers side by side.
How much is Cash Converters International worth?
The market values Cash Converters International at about A$190M (market capitalisation, as of Nov 4, 2026). Per share that is A$0.2600; our models calculate a fair value of A$0.6290 per share.
What do the bullish and bearish scenarios say about CCV?
Our models span a range for Cash Converters International: cautious scenario A$0.3825, base A$0.6290, optimistic A$0.8160 per share (as of Nov 4, 2026, price A$0.2600). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CCV?
Cash Converters International trades at a price-to-earnings ratio of 8.7 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$0.6290 is built from several models across several years. Median P/E at fiscal year-end, 7 fiscal years (2017 to 2026), reported earnings: 8.3. Other multiples: P/B 0.8, P/S 0.5, EV/EBITDA 5.5.
How solid is the balance sheet of Cash Converters International (CCV)?
Balance-sheet figures for Cash Converters International (as of Nov 4, 2026): return on equity 8.2%, debt of 0.29 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is CCV from its 52-week high?
Cash Converters International trades at A$0.2600, about 23% below its 52-week high of A$0.3392 and 4% above the low of A$0.2500 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.6290 is for.
Which stocks are comparable to Cash Converters International?
From the same area (Consumer Cyclical) we also value Alimentation Couche-Tard Inc, Williams-Sonoma, Inc, Ulta Beauty, Inc, Casey's General Stores, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Cash Converters International stock attractive at the current price?
The data as of Nov 4, 2026: price A$0.2600, calculated fair value A$0.6290 (+142%), Quality Score 42/100, from 26 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CCV calculated?
We run Cash Converters International through 26 models from 8 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of A$0.6290 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Cash Converters International currently trades 59% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Cash Converters International (CCV)?
The closing price on Nov 9, 2026 was A$0.2600. Our model-based fair value is A$0.6290, about +142% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Cash Converters International right now?
The large discount to fair value meets weak quality (42/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (A$0.3825). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (A$0.3825 to A$0.8160) leaves room in how you read the outcome.
Key figures of Cash Converters International
How large is the market capitalisation of Cash Converters International (CCV)?
The market capitalisation of Cash Converters International is A$190M (≈ $131M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Cash Converters International (CCV)?
The price-to-sales ratio of Cash Converters International is 0.46 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Cash Converters International (CCV)?
Earnings per share at Cash Converters International are A$0.0300 (price ÷ EPS = P/E 8.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Cash Converters International (CCV)?
The dividend yield of Cash Converters International is 7.7% (payout 66.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Cash Converters International (CCV)?
The net margin of Cash Converters International is 4.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Cash Converters International (CCV)?
The return on equity (ROE) of Cash Converters International is 8.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Cash Converters International (CCV)?
On an EBIT basis the return on assets of Cash Converters International is 9.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Cash Converters International (CCV)?
The operating margin of Cash Converters International is 7.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Cash Converters International (CCV)?
Revenue at Cash Converters International is growing +18.0% versus a year earlier (3y avg +17.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Cash Converters International (CCV)?
Earnings per share at Cash Converters International are growing −31.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Cash Converters International (CCV) carry?
The net debt of Cash Converters International is A$167M (fiscal year 2026, ≈ 7.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Nov 4, 2026