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Cash Converters International
Buy, Hold or Sell?

Let's analyze Cash Converters International together

I guess you are interested in Cash Converters International. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Cash Converters International. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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Quick analysis of Cash Converters International (30 sec.)










What can you expect buying and holding a share of Cash Converters International? (30 sec.)

How much money do you get?

How much money do you get?
A$0.05
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
A$0.33
Expected worth in 1 year
A$-0.31
How sure are you?
70.0%

+ What do you gain per year?

Total Gains per Share
A$-0.56
Return On Investment
-292.7%

For what price can you sell your share?

Current Price per Share
A$0.19
Expected price per share
A$0 - A$0.225
How sure are you?
50%
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1. Valuation of Cash Converters International (5 min.)




Live pricePrice per Share (EOD)

A$0.19

Intrinsic Value Per Share

A$-0.17 - A$0.21

Total Value Per Share

A$0.15 - A$0.54

2. Growth of Cash Converters International (5 min.)




Is Cash Converters International growing?

Current yearPrevious yearGrowGrow %
How rich?$138.5m$211.6m-$73m-52.7%

How much money is Cash Converters International making?

Current yearPrevious yearGrowGrow %
Making money-$65.1m$7.4m-$72.6m-111.5%
Net Profit Margin-32.3%4.6%--

How much money comes from the company's main activities?

3. Financial Health of Cash Converters International (5 min.)




4. Comparing to competitors in the Specialty Retail industry (5 min.)




  Industry Rankings (Specialty Retail)  


Richest
#94 / 187

Most Revenue
#84 / 187

Most Profit
#182 / 187

Most Efficient
#178 / 187
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What can you expect buying and holding a share of Cash Converters International? (5 min.)

Welcome investor! Cash Converters International's management wants to use your money to grow the business. In return you get a share of Cash Converters International.

What can you expect buying and holding a share of Cash Converters International?

First you should know what it really means to hold a share of Cash Converters International. And how you can make/lose money.

Speculation

The Price per Share of Cash Converters International is A$0.19. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Cash Converters International.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Cash Converters International, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is A$0.33. Based on the TTM, the Book Value Change Per Share is A$-0.16 per quarter. Based on the YOY, the Book Value Change Per Share is A$-0.01 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is A$0.02 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Cash Converters International.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 A$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per Share
Usd Eps-0.10-54.7%-0.10-54.7%0.016.1%-0.02-9.3%0.00-2.4%
Usd Book Value Change Per Share-0.11-56.2%-0.11-56.2%-0.01-4.5%-0.02-13.0%0.00-2.0%
Usd Dividend Per Share0.017.1%0.017.1%0.016.9%0.014.9%0.014.8%
Usd Total Gains Per Share-0.09-49.1%-0.09-49.1%0.002.3%-0.02-8.2%0.012.8%
Usd Price Per Share0.15-0.15-0.15-0.14-0.26-
Price to Earnings Ratio-1.45--1.45-13.30--10.06--7.59-
Price-to-Total Gains Ratio-1.62--1.62-34.58-37.02-23.12-
Price to Book Ratio0.68-0.68-0.47-0.45-0.92-
Price-to-Total Gains Ratio-1.62--1.62-34.58-37.02-23.12-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.12749
Number of shares7843
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.010.01
Usd Book Value Change Per Share-0.11-0.02
Usd Total Gains Per Share-0.09-0.02
Gains per Quarter (7843 shares)-731.71-122.02
Gains per Year (7843 shares)-2,926.84-488.08
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1421-3348-2937290-778-498
2842-6696-5864579-1555-986
31263-10043-8791869-2333-1474
41684-13391-117181158-3111-1962
52105-16739-146451448-3888-2450
62526-20087-175721737-4666-2938
72947-23435-204992027-5444-3426
83368-26783-234262317-6221-3914
93789-30130-263532606-6999-4402
104210-33478-292802896-7777-4890

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share0.01.00.00.0%2.01.00.066.7%2.03.00.040.0%5.05.00.050.0%21.06.00.077.8%
Book Value Change Per Share0.01.00.00.0%1.02.00.033.3%1.04.00.020.0%5.05.00.050.0%19.08.00.070.4%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%25.00.02.092.6%
Total Gains per Share0.01.00.00.0%2.01.00.066.7%3.02.00.060.0%7.03.00.070.0%21.06.00.077.8%
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Fundamentals of Cash Converters International

About Cash Converters International

Cash Converters International Limited operates as a franchisor of second-hand goods and financial services stores under the Cash Converters brand name. It operates through Personal Finance, Vehicle Financing, Store Operations, New Zealand, and UK segments. The Personal Finance segment provides personal loans. The Vehicle Financing segment provides motor vehicle financing services. The Store Operations segment is involved in the retail sale of new and second-hand goods, as well as in cash advance and pawnbroking operations through corporate owned stores in Australia. The New Zealand segment engages in the retail sale of new and second-hand goods, and personal loan and pawnbroking operations through corporate owned stores in New Zealand, as well as in the collection of franchise income from the New Zealand franchisee network. The UK segment is involved in the sale of franchises for the retail sale of new and second-hand goods in the United Kingdom. The company operates various stores in Australia and internationally. Cash Converters International Limited was founded in 1984 and is based in Perth, Australia.

Fundamental data was last updated by Penke on 2024-07-18 15:41:06.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge loss.
Using its assets, the company is very inefficient in making profit.
Using its investors money, the company is very inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating efficient.
The company is less efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is able to pay all its debts by selling its assets.
The company is able to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is expensive.
Based on how much money comes from the company's main activities, the company is expensive.
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1.1. Profitability of Cash Converters International.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Cash Converters International earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare¬†Cash Converters International to the¬†Specialty Retail industry mean.
  • A Net Profit Margin of -32.3%¬†means that¬†$-0.32 for each $1¬†in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Cash Converters International:

  • The MRQ is -32.3%. The company is making a huge loss. -2
  • The TTM is -32.3%. The company is making a huge loss. -2
Trends
Current periodCompared to+/- 
MRQ-32.3%TTM-32.3%0.0%
TTM-32.3%YOY4.6%-36.8%
TTM-32.3%5Y-4.9%-27.4%
5Y-4.9%10Y0.8%-5.7%
Compared to industry (Specialty Retail)
PeriodCompanyIndustry (mean)+/- 
MRQ-32.3%1.6%-33.9%
TTM-32.3%1.7%-34.0%
YOY4.6%2.7%+1.9%
5Y-4.9%2.4%-7.3%
10Y0.8%2.3%-1.5%
1.1.2. Return on Assets

Shows how efficient Cash Converters International is using its assets to generate profit.

  • Above 5% is considered healthy¬†but always compare¬†Cash Converters International to the¬†Specialty Retail industry mean.
  • -21.8% Return on Assets means that¬†Cash Converters International generated¬†$-0.22 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Cash Converters International:

  • The MRQ is -21.8%. Using its assets, the company is very inefficient in making profit. -2
  • The TTM is -21.8%. Using its assets, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-21.8%TTM-21.8%0.0%
TTM-21.8%YOY2.3%-24.1%
TTM-21.8%5Y-3.7%-18.1%
5Y-3.7%10Y0.3%-4.0%
Compared to industry (Specialty Retail)
PeriodCompanyIndustry (mean)+/- 
MRQ-21.8%0.8%-22.6%
TTM-21.8%0.8%-22.6%
YOY2.3%1.1%+1.2%
5Y-3.7%0.9%-4.6%
10Y0.3%1.1%-0.8%
1.1.3. Return on Equity

Shows how efficient Cash Converters International is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare¬†Cash Converters International to the¬†Specialty Retail industry mean.
  • -47.0% Return on Equity means Cash Converters International generated $-0.47¬†for each¬†$1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Cash Converters International:

  • The MRQ is -47.0%. Using its investors money, the company is very inefficient in making profit. -2
  • The TTM is -47.0%. Using its investors money, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-47.0%TTM-47.0%0.0%
TTM-47.0%YOY3.5%-50.6%
TTM-47.0%5Y-8.5%-38.6%
5Y-8.5%10Y-0.7%-7.7%
Compared to industry (Specialty Retail)
PeriodCompanyIndustry (mean)+/- 
MRQ-47.0%1.8%-48.8%
TTM-47.0%2.4%-49.4%
YOY3.5%3.0%+0.5%
5Y-8.5%3.1%-11.6%
10Y-0.7%3.1%-3.8%
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1.2. Operating Efficiency of Cash Converters International.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Cash Converters International is operating .

  • Measures how much profit Cash Converters International makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare¬†Cash Converters International to the¬†Specialty Retail industry mean.
  • An Operating Margin of 16.1%¬†means the company generated $0.16 ¬†for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Cash Converters International:

  • The MRQ is 16.1%. The company is operating efficient. +1
  • The TTM is 16.1%. The company is operating efficient. +1
Trends
Current periodCompared to+/- 
MRQ16.1%TTM16.1%0.0%
TTM16.1%YOY17.0%-0.9%
TTM16.1%5Y13.5%+2.6%
5Y13.5%10Y11.3%+2.1%
Compared to industry (Specialty Retail)
PeriodCompanyIndustry (mean)+/- 
MRQ16.1%3.8%+12.3%
TTM16.1%1.9%+14.2%
YOY17.0%4.1%+12.9%
5Y13.5%3.9%+9.6%
10Y11.3%3.6%+7.7%
1.2.2. Operating Ratio

Measures how efficient Cash Converters International is keeping operating costs low.

  • Below 1 is considered healthy (always compare to¬†Specialty Retail industry mean).
  • An Operation Ratio of 0.84 means that the operating costs are $0.84 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Cash Converters International:

  • The MRQ is 0.839. The company is less efficient in keeping operating costs low.
  • The TTM is 0.839. The company is less efficient in keeping operating costs low.
Trends
Current periodCompared to+/- 
MRQ0.839TTM0.8390.000
TTM0.839YOY0.830+0.009
TTM0.8395Y1.018-0.179
5Y1.01810Y1.252-0.234
Compared to industry (Specialty Retail)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8391.291-0.452
TTM0.8391.190-0.351
YOY0.8300.993-0.163
5Y1.0181.050-0.032
10Y1.2521.009+0.243
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1.3. Liquidity of Cash Converters International.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Cash Converters International is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to¬†Specialty Retail industry mean).
  • A Current Ratio of 1.94¬†means the company has $1.94 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Cash Converters International:

  • The MRQ is 1.942. The company is able to pay all its short-term debts. +1
  • The TTM is 1.942. The company is able to pay all its short-term debts. +1
Trends
Current periodCompared to+/- 
MRQ1.942TTM1.9420.000
TTM1.942YOY2.683-0.741
TTM1.9425Y2.755-0.813
5Y2.75510Y2.976-0.221
Compared to industry (Specialty Retail)
PeriodCompanyIndustry (mean)+/- 
MRQ1.9421.349+0.593
TTM1.9421.333+0.609
YOY2.6831.374+1.309
5Y2.7551.329+1.426
10Y2.9761.372+1.604
1.3.2. Quick Ratio

Measures if Cash Converters International is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but¬†always compare¬†Cash Converters International to the¬†Specialty Retail industry mean.
  • A Quick Ratio of 1.74¬†means the company can pay off $1.74 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Cash Converters International:

  • The MRQ is 1.745. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 1.745. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ1.745TTM1.7450.000
TTM1.745YOY2.385-0.640
TTM1.7455Y3.972-2.227
5Y3.97210Y6.384-2.413
Compared to industry (Specialty Retail)
PeriodCompanyIndustry (mean)+/- 
MRQ1.7450.336+1.409
TTM1.7450.393+1.352
YOY2.3850.494+1.891
5Y3.9720.540+3.432
10Y6.3840.546+5.838
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1.4. Solvency of Cash Converters International.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Cash Converters International assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare¬†Cash Converters International to Specialty Retail industry mean.
  • A Debt to Asset Ratio of 0.54¬†means that Cash Converters International assets are¬†financed with 53.7% credit (debt) and the remaining percentage (100% - 53.7%)¬†is financed by its owners/shareholders.¬†

Let's take a look of the Debt to Asset Ratio trends of Cash Converters International:

  • The MRQ is 0.537. The company is able to pay all its debts by selling its assets. +1
  • The TTM is 0.537. The company is able to pay all its debts by selling its assets. +1
Trends
Current periodCompared to+/- 
MRQ0.537TTM0.5370.000
TTM0.537YOY0.341+0.196
TTM0.5375Y0.378+0.158
5Y0.37810Y0.384-0.006
Compared to industry (Specialty Retail)
PeriodCompanyIndustry (mean)+/- 
MRQ0.5370.601-0.064
TTM0.5370.605-0.068
YOY0.3410.590-0.249
5Y0.3780.604-0.226
10Y0.3840.576-0.192
1.4.2. Debt to Equity Ratio

Measures if Cash Converters International is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but¬†always compare¬†Cash Converters International to the¬†Specialty Retail industry mean.
  • A Debt to Equity ratio of 115.8% means that company has $1.16 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Cash Converters International:

  • The MRQ is 1.158. The company is able to pay all its debts with equity. +1
  • The TTM is 1.158. The company is able to pay all its debts with equity. +1
Trends
Current periodCompared to+/- 
MRQ1.158TTM1.1580.000
TTM1.158YOY0.516+0.641
TTM1.1585Y0.642+0.516
5Y0.64210Y0.6420.000
Compared to industry (Specialty Retail)
PeriodCompanyIndustry (mean)+/- 
MRQ1.1581.462-0.304
TTM1.1581.469-0.311
YOY0.5161.427-0.911
5Y0.6421.518-0.876
10Y0.6421.465-0.823
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2. Market Valuation of Cash Converters International

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Cash Converters International generates.

  • Above 15 is considered overpriced but¬†always compare¬†Cash Converters International to the¬†Specialty Retail industry mean.
  • A PE ratio of -1.45 means the investor is paying $-1.45¬†for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Cash Converters International:

  • The EOD is -1.227. Based on the earnings, the company is expensive. -2
  • The MRQ is -1.453. Based on the earnings, the company is expensive. -2
  • The TTM is -1.453. Based on the earnings, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-1.227MRQ-1.453+0.226
MRQ-1.453TTM-1.4530.000
TTM-1.453YOY13.295-14.749
TTM-1.4535Y-10.055+8.602
5Y-10.05510Y-7.594-2.461
Compared to industry (Specialty Retail)
PeriodCompanyIndustry (mean)+/- 
EOD-1.22711.336-12.563
MRQ-1.45311.058-12.511
TTM-1.4539.059-10.512
YOY13.2959.818+3.477
5Y-10.05511.333-21.388
10Y-7.59413.769-21.363
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Cash Converters International:

  • The EOD is -7.447. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -8.818. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -8.818. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-7.447MRQ-8.818+1.372
MRQ-8.818TTM-8.8180.000
TTM-8.818YOY24.718-33.536
TTM-8.8185Y-11.759+2.940
5Y-11.75910Y450.646-462.405
Compared to industry (Specialty Retail)
PeriodCompanyIndustry (mean)+/- 
EOD-7.4471.717-9.164
MRQ-8.8181.746-10.564
TTM-8.8182.155-10.973
YOY24.7183.113+21.605
5Y-11.7592.211-13.970
10Y450.6464.114+446.532
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2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Cash Converters International is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy¬†(always compare to Specialty Retail industry mean).
  • A PB ratio of 0.68 means the investor is paying $0.68¬†for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Cash Converters International:

  • The EOD is 0.577. Based on the equity, the company is cheap. +2
  • The MRQ is 0.684. Based on the equity, the company is cheap. +2
  • The TTM is 0.684. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.577MRQ0.684-0.106
MRQ0.684TTM0.6840.000
TTM0.684YOY0.471+0.213
TTM0.6845Y0.455+0.229
5Y0.45510Y0.915-0.460
Compared to industry (Specialty Retail)
PeriodCompanyIndustry (mean)+/- 
EOD0.5771.340-0.763
MRQ0.6841.469-0.785
TTM0.6841.495-0.811
YOY0.4711.770-1.299
5Y0.4551.864-1.409
10Y0.9151.981-1.066
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Cash Converters International.

3.1. Funds holding Cash Converters International

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2021-01-31Fidelity Low-Priced Stock Fund3.21-19766391--
2021-01-31Fidelity Series Intrinsic Opportunities Fund2.27-14000000--
2021-01-31DFA Asia Pacific Small Company Series0.45-2766362--
2021-01-31DFA International Core Equity Portfolio0.34-2116492--
2021-01-31Fidelity Low Priced Stock K6 Fund0.22-1364618--
2021-01-31DFA International Vector Equity Port0.05-283549--
2021-01-31DFA Investment Dimensions-DFA World Ex U.S. Targeted Value Port0.029999999-185464--
2021-01-31DFA Investment Dimensions-World Ex U.S. Core Equity Port0.029999999-184747--
2020-12-31Brighthouse Fds Tr II-BH/Dimensional International Small Co Port0.02-152939--
2021-01-31DFA Investment Dimensions-DFA International Social Core Equity Port0.02-147100--
Total 6.63999999804096766200.0%
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4. Summary

4.1. Key Performance Indicators

The key performance indicators of Cash Converters International compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---0.159-0.1590%-0.013-92%-0.037-77%-0.006-96%
Book Value Per Share--0.3290.3290%0.488-33%0.462-29%0.443-26%
Current Ratio--1.9421.9420%2.683-28%2.755-30%2.976-35%
Debt To Asset Ratio--0.5370.5370%0.341+58%0.378+42%0.384+40%
Debt To Equity Ratio--1.1581.1580%0.516+124%0.642+80%0.642+80%
Dividend Per Share--0.0200.0200%0.019+3%0.014+45%0.014+47%
Eps---0.155-0.1550%0.017-995%-0.026-83%-0.007-96%
Free Cash Flow Per Share---0.026-0.0260%0.009-374%0.007-475%0.011-331%
Free Cash Flow To Equity Per Share--0.0490.0490%-0.027+155%-0.020+140%0.018+176%
Gross Profit Margin--1.1271.1270%0.008+13594%1.768-36%1.858-39%
Intrinsic Value_10Y_max--0.212--------
Intrinsic Value_10Y_min---0.175--------
Intrinsic Value_1Y_max--0.013--------
Intrinsic Value_1Y_min---0.009--------
Intrinsic Value_3Y_max--0.046--------
Intrinsic Value_3Y_min---0.035--------
Intrinsic Value_5Y_max--0.086--------
Intrinsic Value_5Y_min---0.069--------
Market Cap119233554.560-18%141197630.400141197630.4000%148602415.110-5%128246571.266+10%240921545.245-41%
Net Profit Margin---0.323-0.3230%0.046-809%-0.049-85%0.008-3941%
Operating Margin--0.1610.1610%0.170-5%0.135+19%0.113+42%
Operating Ratio--0.8390.8390%0.830+1%1.018-18%1.252-33%
Pb Ratio0.577-18%0.6840.6840%0.471+45%0.455+50%0.915-25%
Pe Ratio-1.227+16%-1.453-1.4530%13.295-111%-10.055+592%-7.594+423%
Price Per Share0.190-18%0.2250.2250%0.230-2%0.203+11%0.383-41%
Price To Free Cash Flow Ratio-7.447+16%-8.818-8.8180%24.718-136%-11.759+33%450.646-102%
Price To Total Gains Ratio-1.367+16%-1.618-1.6180%34.584-105%37.017-104%23.118-107%
Quick Ratio--1.7451.7450%2.385-27%3.972-56%6.384-73%
Return On Assets---0.218-0.2180%0.023-1033%-0.037-83%0.003-8109%
Return On Equity---0.470-0.4700%0.035-1427%-0.085-82%-0.007-98%
Total Gains Per Share---0.139-0.1390%0.007-2191%-0.023-83%0.008-1828%
Usd Book Value--138557474.000138557474.0000%211601192.000-35%196330708.200-29%187538323.378-26%
Usd Book Value Change Per Share---0.107-0.1070%-0.009-92%-0.025-77%-0.004-96%
Usd Book Value Per Share--0.2210.2210%0.328-33%0.310-29%0.297-26%
Usd Dividend Per Share--0.0130.0130%0.013+3%0.009+45%0.009+47%
Usd Eps---0.104-0.1040%0.012-995%-0.018-83%-0.004-96%
Usd Free Cash Flow---10744052.000-10744052.0000%4034052.000-366%2885836.800-472%4656325.859-331%
Usd Free Cash Flow Per Share---0.017-0.0170%0.006-374%0.005-475%0.007-331%
Usd Free Cash Flow To Equity Per Share--0.0330.0330%-0.018+155%-0.013+140%0.012+176%
Usd Market Cap80005715.110-18%94743609.99894743609.9980%99712220.539-5%86053449.319+10%161658356.859-41%
Usd Price Per Share0.127-18%0.1510.1510%0.154-2%0.136+11%0.257-41%
Usd Profit---65191005.000-65191005.0000%7499767.000-969%-10999300.400-83%683878.100-9633%
Usd Revenue--201940805.000201940805.0000%164829137.000+23%171367092.600+18%180307131.375+12%
Usd Total Gains Per Share---0.093-0.0930%0.004-2191%-0.016-83%0.005-1828%
 EOD+3 -5MRQTTM+0 -0YOY+9 -275Y+10 -2610Y+10 -26

4.2. Fundamental Score

Let's check the fundamental score of Cash Converters International based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-15-1.227
Price to Book Ratio (EOD)Between0-10.577
Net Profit Margin (MRQ)Greater than0-0.323
Operating Margin (MRQ)Greater than00.161
Quick Ratio (MRQ)Greater than11.745
Current Ratio (MRQ)Greater than11.942
Debt to Asset Ratio (MRQ)Less than10.537
Debt to Equity Ratio (MRQ)Less than11.158
Return on Equity (MRQ)Greater than0.15-0.470
Return on Assets (MRQ)Greater than0.05-0.218
Total5/10 (50.0%)

4.3. Technical Score

Let's check the technical score of Cash Converters International based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5045.677
Ma 20Greater thanMa 500.197
Ma 50Greater thanMa 1000.203
Ma 100Greater thanMa 2000.209
OpenGreater thanClose0.190
Total1/5 (20.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2019-06-302020-06-302021-06-302022-06-302023-06-30
Retained Earnings  60,900-10,31150,5898,44459,033-1,77757,256-110,428-53,172



Latest Balance Sheet

Balance Sheet of 2023-06-30. Currency in AUD. All numbers in thousands.

Summary
Total Assets445,536
Total Liabilities239,042
Total Stockholder Equity206,494
 As reported
Total Liabilities 239,042
Total Stockholder Equity+ 206,494
Total Assets = 445,536

Assets

Total Assets445,536
Total Current Assets286,241
Long-term Assets159,295
Total Current Assets
Cash And Cash Equivalents 71,565
Net Receivables 185,639
Inventory 26,493
Other Current Assets 2,544
Total Current Assets  (as reported)286,241
Total Current Assets  (calculated)286,241
+/-0
Long-term Assets
Property Plant Equipment 53,628
Goodwill 3,279
Intangible Assets 23,822
Other Assets 29,669
Long-term Assets  (as reported)159,295
Long-term Assets  (calculated)110,398
+/- 48,897

Liabilities & Shareholders' Equity

Total Current Liabilities147,422
Long-term Liabilities91,620
Total Stockholder Equity206,494
Total Current Liabilities
Short-term Debt 116,320
Short Long Term Debt 109,044
Accounts payable 1,761
Other Current Liabilities 29,003
Total Current Liabilities  (as reported)147,422
Total Current Liabilities  (calculated)256,128
+/- 108,706
Long-term Liabilities
Long term Debt Total 84,413
Other Liabilities 4,340
Long-term Liabilities  (as reported)91,620
Long-term Liabilities  (calculated)88,753
+/- 2,867
Total Stockholder Equity
Common Stock251,213
Retained Earnings -53,172
Accumulated Other Comprehensive Income 9,806
Other Stockholders Equity -1,353
Total Stockholder Equity (as reported)206,494
Total Stockholder Equity (calculated)206,494
+/-0
Other
Capital Stock249,860
Cash and Short Term Investments 71,565
Common Stock Shares Outstanding 625,254
Current Deferred Revenue338
Liabilities and Stockholders Equity 445,536
Net Debt 129,168
Net Invested Capital 343,485
Net Tangible Assets 182,672
Net Working Capital 138,819
Property Plant and Equipment Gross 117,536
Short Long Term Debt Total 200,733



Balance Sheet

Currency in AUD. All numbers in thousands.

 Trend2023-06-302022-06-302021-06-302020-06-302019-06-302018-06-302017-06-302016-06-302015-06-302014-06-302013-06-302012-06-302011-06-302010-06-302009-06-302008-06-302007-06-302006-06-302005-06-302004-06-302003-06-302002-06-302001-06-302000-06-301999-06-301998-06-301997-06-30
> Total Assets 
79,789
79,766
58,571
52,688
49,777
32,286
29,585
21,363
21,317
25,084
80,733
99,261
114,783
197,148
232,604
262,743
346,975
409,987
441,203
424,491
398,845
509,129
464,240
479,834
477,656
478,188
445,536
445,536478,188477,656479,834464,240509,129398,845424,491441,203409,987346,975262,743232,604197,148114,78399,26180,73325,08421,31721,36329,58532,28649,77752,68858,57179,76679,789
   > Total Current Assets 
29,771
19,192
18,601
17,723
17,686
18,096
15,204
8,485
8,480
12,212
31,922
39,353
46,567
112,628
112,914
135,492
179,141
26,843
52,379
73,609
80,571
139,991
81,101
227,330
220,393
230,531
286,241
286,241230,531220,393227,33081,101139,99180,57173,60952,37926,843179,141135,492112,914112,62846,56739,35331,92212,2128,4808,48515,20418,09617,68617,72318,60119,19229,771
       Cash And Cash Equivalents 
20,434
12,101
12,767
13,008
14,086
13,540
11,887
4,633
5,173
7,749
14,750
16,322
7,003
50,716
23,457
16,415
20,729
26,843
52,379
73,609
80,571
139,991
81,101
106,548
72,166
58,085
71,565
71,56558,08572,166106,54881,101139,99180,57173,60952,37926,84320,72916,41523,45750,7167,00316,32214,7507,7495,1734,63311,88713,54014,08613,00812,76712,10120,434
       Net Receivables 
9,099
6,714
4,732
3,959
2,917
3,857
2,679
3,514
2,818
3,938
16,349
19,442
31,752
49,772
73,185
97,813
128,041
157,220
152,135
125,921
95,539
141,663
138,065
104,063
122,866
146,818
185,639
185,639146,818122,866104,063138,065141,66395,539125,921152,135157,220128,04197,81373,18549,77231,75219,44216,3493,9382,8183,5142,6793,8572,9173,9594,7326,7149,099
       Inventory 
133
92
759
606
354
339
361
136
242
497
772
3,307
6,959
10,707
14,068
17,079
21,783
25,562
27,684
17,612
20,991
20,673
20,370
15,221
24,128
23,944
26,493
26,49323,94424,12815,22120,37020,67320,99117,61227,68425,56221,78317,07914,06810,7076,9593,30777249724213636133935460675992133
       Other Current Assets 
105
285
343
150
329
360
276
3,514
2,818
3,938
16,349
282
853
1,433
2,204
4,185
8,588
10,578
11,937
17,215
5,512
6,828
7,766
1,498
1,233
1,684
2,544
2,5441,6841,2331,4987,7666,8285,51217,21511,93710,5788,5884,1852,2041,43385328216,3493,9382,8183,514276360329150343285105
   > Long-term Assets 
50,018
60,574
39,970
34,965
32,092
14,190
14,381
12,878
12,837
12,872
48,811
59,909
68,216
84,519
119,690
127,251
167,834
155,213
161,473
144,896
144,229
146,258
140,064
252,504
257,263
247,657
159,295
159,295247,657257,263252,504140,064146,258144,229144,896161,473155,213167,834127,251119,69084,51968,21659,90948,81112,87212,83712,87814,38114,19032,09234,96539,97060,57450,018
       Property Plant Equipment 
636
1,338
1,818
1,277
1,080
1,491
1,259
809
1,100
1,295
1,313
2,580
4,633
6,810
13,162
19,581
22,535
22,587
25,358
13,853
10,233
9,141
6,173
55,151
66,189
55,063
53,628
53,62855,06366,18955,1516,1739,14110,23313,85325,35822,58722,53519,58113,1626,8104,6332,5801,3131,2951,1008091,2591,4911,0801,2771,8181,338636
       Goodwill 
37,854
29,110
4,941
4,695
4,950
3,517
3,427
3,488
0
0
34,074
43,650
49,873
54,280
76,859
77,249
98,772
110,726
111,408
107,009
107,009
106,967
106,967
106,967
109,305
110,481
3,279
3,279110,481109,305106,967106,967106,967107,009107,009111,408110,72698,77277,24976,85954,28049,87343,65034,074003,4883,4273,5174,9504,6954,94129,11037,854
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6,214
6,288
4,295
4,607
5,282
6,452
6,636
7,168
4,868
0
04,8687,1686,6366,4525,2824,6074,2956,2886,21400000000000000000
       Intangible Assets 
37,854
47,496
27,153
26,219
26,000
9,843
9,624
6,066
9,331
9,232
9,900
9,877
10,474
16,284
20,029
15,478
22,423
21,900
24,707
24,034
26,987
30,150
26,924
128,338
128,903
127,470
23,822
23,822127,470128,903128,33826,92430,15026,98724,03424,70721,90022,42315,47820,02916,28410,4749,8779,9009,2329,3316,0669,6249,84326,00026,21927,15347,49637,854
       Other Assets 
0
0
0
1,065
13,552
13,149
11,697
368
438
168
1,640
2,133
2,720
4,211
6,793
8,997
14,215
227,932
227,352
205,986
174,045
222,880
243,075
20,310
-39,882
0
29,669
29,6690-39,88220,310243,075222,880174,045205,986227,352227,93214,2158,9976,7934,2112,7202,1331,64016843836811,69713,14913,5521,065000
> Total Liabilities 
33,930
29,399
31,125
30,897
27,930
26,069
21,558
9,290
6,716
7,243
12,776
25,216
32,293
34,292
57,351
76,110
105,344
165,281
179,504
182,206
138,006
186,721
147,388
173,463
159,754
162,836
239,042
239,042162,836159,754173,463147,388186,721138,006182,206179,504165,281105,34476,11057,35134,29232,29325,21612,7767,2436,7169,29021,55826,06927,93030,89731,12529,39933,930
   > Total Current Liabilities 
29,781
20,365
18,165
19,914
19,304
17,643
16,316
5,224
3,794
4,563
11,093
16,253
18,046
22,387
36,088
44,681
104,850
24,951
25,530
23,776
24,795
21,496
19,558
98,911
81,477
85,921
147,422
147,42285,92181,47798,91119,55821,49624,79523,77625,53024,951104,85044,68136,08822,38718,04616,25311,0934,5633,7945,22416,31617,64319,30419,91418,16520,36529,781
       Short-term Debt 
1,168
15,558
14,361
14,953
15,338
14,417
12,970
1,435
663
1,004
1,049
4,539
3,942
3,280
4,632
11,284
70,539
59,943
60,705
70,023
46,303
139,351
87,826
67,540
58,243
58,811
116,320
116,32058,81158,24367,54087,826139,35146,30370,02360,70559,94370,53911,2844,6323,2803,9424,5391,0491,0046631,43512,97014,41715,33814,95314,36115,5581,168
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
123,962
127,142
69,992
46,225
139,351
87,826
60,618
51,318
51,957
109,044
109,04451,95751,31860,61887,826139,35146,22569,992127,142123,96200000000000000000
       Accounts payable 
3,275
3,065
2,769
3,634
3,685
2,742
3,050
2,523
1,846
2,783
4,474
6,743
8,367
10,513
20,311
19,579
20,048
26,794
26,450
2,415
2,495
3,691
2,014
1,952
1,319
1,127
1,761
1,7611,1271,3191,9522,0143,6912,4952,41526,45026,79420,04819,57920,31110,5138,3676,7434,4742,7831,8462,5233,0502,7423,6853,6342,7693,0653,275
       Other Current Liabilities 
19,717
349
151
702
11
14,583
1,150
1,633
1,622
1,301
1,306
1,399
1,311
1,773
2,339
4,059
5,730
64,582
86,378
39,833
25,857
22,366
20,326
29,419
21,328
24,144
29,003
29,00324,14421,32829,41920,32622,36625,85739,83386,37864,5825,7304,0592,3391,7731,3111,3991,3061,3011,6221,6331,15014,5831170215134919,717
   > Long-term Liabilities 
4,149
9,034
12,960
10,984
8,626
8,426
5,242
4,066
2,922
2,680
1,683
8,963
14,248
11,905
21,263
31,429
494
63,946
66,328
59,452
59,705
18,996
35,510
74,552
78,277
76,915
91,620
91,62076,91578,27774,55235,51018,99659,70559,45266,32863,94649431,42921,26311,90514,2488,9631,6832,6802,9224,0665,2428,4268,62610,98412,9609,0344,149
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
66,437
63,961
60,934
18,996
35,510
73,295
75,519
74,371
84,413
84,41374,37175,51973,29535,51018,99660,93463,96166,437000000000000000000
       Other Liabilities 
0
0
0
3,178
291
528
341
856
2,382
2,502
7,390
8,311
10,369
12,314
21,975
27,767
28,860
149
240
5,974
2,417
23,866
1,712
1,257
971
2,544
4,340
4,3402,5449711,2571,71223,8662,4175,97424014928,86027,76721,97512,31410,3698,3117,3902,5022,3828563415282913,178000
> Total Stockholder Equity
45,233
47,128
25,779
21,789
21,839
6,210
8,019
11,957
14,474
17,666
67,709
73,766
82,220
162,540
175,252
186,632
241,630
248,201
261,698
242,285
260,839
322,408
316,852
306,371
317,902
315,352
206,494
206,494315,352317,902306,371316,852322,408260,839242,285261,698248,201241,630186,632175,252162,54082,22073,76667,70917,66614,47411,9578,0196,21021,83921,78925,77947,12845,233
   Common Stock
28,980
30,180
49,508
49,496
49,489
49,267
5,180
5,133
6,093
6,033
46,152
46,300
47,202
116,812
116,812
116,812
151,709
156,679
205,399
207,540
210,203
248,714
248,714
248,714
251,213
251,213
251,213
251,213251,213251,213248,714248,714248,714210,203207,540205,399156,679151,709116,812116,812116,81247,20246,30046,1526,0336,0935,1335,18049,26749,48949,49649,50830,18028,980
   Retained Earnings 
-1,403
-2,520
-23,423
-27,353
-26,908
-42,379
3,537
7,273
8,879
11,546
17,860
25,774
34,758
47,149
62,760
73,186
90,835
98,025
58,379
43,471
43,430
66,687
60,900
50,589
59,033
57,256
-53,172
-53,17257,25659,03350,58960,90066,68743,43043,47158,37998,02590,83573,18662,76047,14934,75825,77417,86011,5468,8797,2733,537-42,379-26,908-27,353-23,423-2,520-1,403
   Accumulated Other Comprehensive Income 
17,656
19,468
-306
-354
-742
-678
-698
-449
-498
87
3,313
1,569
260
-1,421
-4,320
-3,367
-914
-6,503
-2,080
-8,726
7,206
7,007
7,238
7,068
7,656
8,433
9,806
9,8068,4337,6567,0687,2387,0077,206-8,726-2,080-6,503-914-3,367-4,320-1,4212601,5693,31387-498-449-698-678-742-354-30619,46817,656
   Capital Surplus 000000000000000000000000000
   Treasury Stock000000000000000000000000000
   Other Stockholders Equity 
0
0
0
0
0
0
0
0
0
0
385
124
0
0
0
0
-914
-13,006
-2,080
-8,726
0
5,830
6,354
6,730
6,940
-1,550
-1,353
-1,353-1,5506,9406,7306,3545,8300-8,726-2,080-13,006-91400001243850000000000



Balance Sheet

Currency in AUD. All numbers in thousands.