CCL Stock Overview

Provides payment and regulated data related products and services for financial and consumer centric institutions in Australia. More details

CCL fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	0/6
Past Performance	4/6
Financial Health	4/6
Dividends	0/6

Rewards

Price-To-Earnings ratio (14x) is below the Australian market (19.9x)

Earnings grew by 21.1% over the past year

Risk Analysis

Shares are highly illiquid

My Notes

Capture your thoughts, links and company narrative

Cuscal Limited Competitors

Tyro Payments

ASX:TYR

AU$429.5m

OFX Group

ASX:OFX

AU$324.2m

Australian Finance Group

ASX:AFG

AU$408.9m

Pepper Money

ASX:PPM

AU$609.4m

Price History & Performance

Summary of share price highs, lows and changes for Cuscal
Historical stock prices
Current Share Price	AU$2.31
52 Week High	AU$2.65
52 Week Low	AU$2.26
Beta	0
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	0%

Recent updates

Shareholder Returns

	CCL	AU Diversified Financial	AU Market
7D	-2.9%	-0.3%	-1.0%
1Y	n/a	11.5%	8.5%

Return vs Industry: Insufficient data to determine how CCL performed against the Australian Diversified Financial industry.

Return vs Market: Insufficient data to determine how CCL performed against the Australian Market.

Price Volatility

Is CCL's price volatile compared to industry and market?
CCL volatility
CCL Average Weekly Movement	n/a
Diversified Financial Industry Average Movement	8.0%
Market Average Movement	8.0%
10% most volatile stocks in AU Market	16.7%
10% least volatile stocks in AU Market	3.1%

Stable Share Price: CCL's share price has been volatile over the past 3 months compared to the Australian market.

Volatility Over Time: Insufficient data to determine CCL's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1977	634	Craig Kennedy	www.cuscal.com

Cuscal Limited, together with its subsidiaries, provides payment and regulated data related products and services for financial and consumer centric institutions in Australia. The company offers electronic and paper payment processing solutions, including EFTPOS, direct entry, real time gross settlement, and member and corporate chequing, as well as BPAY, an electronic bill payment service; issues and manages card products, including debit, credit, and prepaid cards; and provides card platform, digital applications development, liquidity management and settlement, network communication, fraud management, real-time payments, and regulated data services, as well as specialized finance facilities. It also provides mobile payments, digital products and APIs, card production and distribution, card scheme sponsorship and licensing, payment facilitators merchant acquiring solutions, ATM solutions, accredited data recipient solutions, as well as data holder solutions for banks, non-bank lenders, and other sectors.

Cuscal Limited Fundamentals Summary

How do Cuscal's earnings and revenue compare to its market cap?
CCL fundamental statistics
Market cap	AU$442.51m
Earnings (TTM)	AU$31.60m
Revenue (TTM)	AU$476.10m

14.0x

P/E Ratio

0.9x

P/S Ratio

Is CCL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CCL income statement (TTM)
Revenue	AU$476.10m
Cost of Revenue	AU$95.50m
Gross Profit	AU$380.60m
Other Expenses	AU$349.00m
Earnings	AU$31.60m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.16
Gross Margin	79.94%
Net Profit Margin	6.64%
Debt/Equity Ratio	103.5%

How did CCL perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/25 11:58
End of Day Share Price	2024/12/24 00:00
Earnings	2024/06/30
Annual Earnings	2024/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Cuscal Limited is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

Cuscal ASX:CCL Stock Report