• Simplified lending products, scaling Cashies Loan, managing legacy run-down
• Expanding and optimizing corporate store network, growing higher-margin retail mix
• Delivering sustainable earnings growth, maintaining capital discipline, diversifying funding

Cash Converters International Limited (CCV) has reported its 1H FY2026 results, highlighting a solid performance amid the company's strategic transformation. The key pillars of the strategy include simplifying the lending model, expanding and optimizing the corporate store network, and delivering sustainable earnings growth. On the lending front, CCV is transitioning to a simplified product offering focused on the Cashies Loan product, while running down its legacy payday and vehicle lending books. This is driving improved earnings quality over time, with the core loan book growing and loss rates at the lower end of the range. In the stores segment, CCV has continued to acquire franchise stores in Australia and the UK, supporting earnings through the lending transition. The company is also optimizing its retail mix, with growing luxury offerings and higher margins. The goal is to have a predominantly corporate-owned network leveraging a 'hub-and-spoke' model.Across the business, CCV is delivering sustainable earnings growth, maintaining capital discipline, and diversifying its funding structure. The company has a 5-year pipeline of store acquisitions and is focused on driving Cash NPAT growth and shareholder returns.

CCV expects to continue growing its core loan book and scaling the Cashies Loan product, while managing the run-down of its legacy lending books. The company is targeting further store acquisitions in Australia and the UK to support earnings through the lending transition, and is focused on improving margins and cost efficiency across the business.

CCV is well-positioned for long-term sustainable growth, with a simplified lending model, an expanding corporate store network, and diversified earnings streams. The company is confident in its ability to deliver ongoing Cash NPAT growth and shareholder returns.