• Diversified earnings through lending and repurposed retail
• Reducing loss rates and costs to serve
• Championing the circular economy, repurposing over 1.7m items in Australia alone in FY25
• Strategic store growth via franchise acquisitions in AU & UK/Europe

Cash Converters International Limited (CCV) reported strong FY25 financial results, demonstrating that its strategic transformation is delivering. The company has a global network of 659 stores across 15 countries, offering an integrated store and digital channel. It is delivering diversified earnings through lending and repurposed retail, focusing on responsible credit solutions for under-served, hard-working customers. CCV is reducing loss rates and costs to serve, championing the circular economy, and repurposing over 1.7 million items in Australia alone in FY25. The company is pursuing strategic store growth via franchise acquisitions in Australia and the UK/Europe, as well as launching new smaller store formats offering high-margin, luxury goods. CCV is also leveraging its proprietary Machine Learning credit models and fully integrated online and in-store experience to drive its business transformation and deliver profit growth. The company has paid five consecutive annual 2.0 cent per share dividends, fully franked, and is focused on Cash NPAT growth, expanding the store network, and growing new loan books.

CCV is targeting 20+ franchise store acquisitions per annum to unlock earnings upside. The company is also simplifying and releasing new lending products to grow the loan book responsibly, improve customer experience, and use data and technology to support accurate and timely credit decisions and lower bad debt expense.

CCV is focused on simplifying the business model, laying the foundation for long-term earnings growth. The company is targeting further store network expansion, growing its lending business, and maintaining financial flexibility to support its growth initiatives. CCV is also committed to disciplined capital allocation and continuing to pay dividends, with a focus on Cash NPAT growth.