• Revenue up 7.6% to $206.7 million
• Operating NPAT up 8.7% to $13.2 million
• Net Loss Rate down to 13.7% from 15.5%
• AU store and UK profit before tax up 44% to $15.8 million
• 11th consecutive 1cps half-year dividend declared

Cash Converters International Limited reported a net profit attributable to members of $10.054 million for the half-year ended 31 December 2025, down 17% from the prior corresponding period. The Group reported an operating profit after tax of $13.221 million, up 9% on the prior corresponding period. Revenue increased by 7.6% to $206.7 million. The successful execution of the lending business transition in Australia continues, with the payday loan book run off largely complete and the new Cashies Loan book growing strongly. The franchise store acquisition strategy in Australia and the UK is now delivering strong store segment profit growth, resulting in consolidated Group operating profit growing. Key highlights include revenue up 7.6%, operating NPAT up 8.7%, net loss rate down to 13.7%, and AU store and UK profit before tax up 44% to $15.8 million. The Group closed the reporting period with a strong balance sheet, and the directors have declared an interim dividend of 1.00 cent per share, fully franked. The Return to Growth Program is underway, focused on simplifying the personal finance offering and reducing regulatory complexity.

The Group reported an operating profit after tax of $13.221 million for the half-year ended 31 December 2025.

The Group's unique business model, global network of established stores, digital assets, and proprietary underwriting and credit risk technology provide excellent prospects for continued earnings growth over time. Key growth drivers include a proven track record of acquiring franchise stores, a forward pipeline of franchise store acquisitions under review, the new Cashies Loan product, and a strong balance sheet underpinning further investment.