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Updated 1d ago
CCL logo

Cuscal LimitedCHIA:CCL Stock Report

Market Cap AU$1.1b
Updated 1d ago
Share Price
n/a
1Y43.6%
7D0.7%
1D0.4%
Portfolio Value
​
View

Cuscal Limited

CHIA:CCL Stock Report

Market Cap: AU$1.1b

  • Company Overview
    • Valuation
    • Future Growth
    • Past Performance
    • Financial Health
    • Dividend
  • Management
  • Ownership
  • Other Information
  • Stock Community

Cuscal (CCL) Stock Overview

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

CCL fundamental analysis
Snowflake Score
Valuation2/6
Future Growth2/6
Past Performance5/6
Financial Health3/6
Dividends2/6

Rewards

Trading at 30.5% below our estimate of its fair value

Earnings are forecast to grow 19.74% per year

Earnings grew by 48.8% over the past year

Risk Analysis

No risks detected for CCL from our risk checks.

CCL Community Fair Values

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AU$
Current Price
AU$5.57113.4% overvalued intrinsic discount
%/yr
Decrease
Increase
PastFuture-4m597m2016201920222025202620282031Revenue AU$504.0mEarnings AU$36.0m
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Cuscal Limited Competitors

Tyro Payments

Symbol: ASX:TYR
Market cap: AU$365.1m

Change Financial

Symbol: ASX:CCA
Market cap: AU$33.1m

Liberty Financial Group

Symbol: ASX:LFG
Market cap: AU$1.0b

Pepper Money

Symbol: ASX:PPM
Market cap: AU$784.2m

Price History & Performance

Summary of share price highs, lows and changes for Cuscal
Historical stock prices
Current Share PriceAU$5.57
52 Week HighAU$6.01
52 Week LowAU$3.65
Beta0
1 Month Change3.15%
3 Month Change11.07%
1 Year Change43.56%
3 Year Changen/a
5 Year Changen/a
Change since IPO140.09%

Recent News & Updates

Recent updates

Shareholder Returns

CCLAU Diversified FinancialAU Market
7D0.7%1.2%-2.9%
1Y43.6%9.7%-3.7%

Return vs Industry: CCL exceeded the Australian Diversified Financial industry which returned 10.8% over the past year.

Return vs Market: CCL exceeded the Australian Market which returned -2.6% over the past year.

Price Volatility

Is CCL's price volatile compared to industry and market?
CCL volatility
CCL Average Weekly Movement4.5%
Diversified Financial Industry Average Movement6.5%
Market Average Movement9.5%
10% most volatile stocks in AU Market16.5%
10% least volatile stocks in AU Market3.8%

Stable Share Price: CCL has not had significant price volatility in the past 3 months compared to the Australian market.

Volatility Over Time: CCL's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19771,088Craig Kennedywww.cuscal.com

Cuscal Limited, together with its subsidiaries, provides payment, payments infrastructure, and regulated data related products and services for financial and consumer centric institutions in Australia. The company provides electronic and paper payment processing solutions, card products, card platform services, digital applications development, liquidity management and settlement services, specialized finance facilities, network communication services, fraud management services, real-time payments, and data services. It also offers real-time payments for banks and PSPs, direct entry, BPAY, Real time settlement, and enablement support and services; card issuing, mobile payments, digital enablement, and card services; consumer data right solutions; fraud monitoring cards and real time payments; merchant solutions for payment facilitators, and ATM solutions.

Cuscal Limited Fundamentals Summary

How do Cuscal's earnings and revenue compare to its market cap?
CCL fundamental statistics
Market capAU$1.11b
Earnings (TTM)AU$42.70m
Revenue (TTM)AU$597.20m
26.1x
P/E Ratio
1.9x
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)
RevenueAU$597.20m
Cost of RevenueAU$122.00m
Gross ProfitAU$475.20m
Other ExpensesAU$432.50m
EarningsAU$42.70m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)0.21
Gross Margin79.57%
Net Profit Margin7.15%
Debt/Equity Ratio109.2%

How did CCL perform over the long term?

See historical performance and comparison

Dividends

2.5%
Current Dividend Yield
52%
Payout Ratio

Does CCL pay a reliable dividends?

See CCL dividend history and benchmarks
When do you need to buy CCL by to receive an upcoming dividend?
Cuscal dividend dates
Ex Dividend DateAug 27 2026
Dividend Pay DateSep 18 2026
Days until Ex dividend20 days
Days until Dividend pay date2 days

Does CCL pay a reliable dividends?

See CCL dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/15 11:14
End of Day Share Price 2026/09/15 00:00
Earnings2026/06/30
Annual Earnings2026/06/30

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.

PackageDataTimeframeExample US Source *
Company Financials10 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 Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
  • ICE Market Data
  • SEC Form S-1
Ownership10 years
  • Top shareholders
  • Insider trading
  • SEC Form 4
  • SEC Form 13D
Management10 years
  • Leadership team
  • Board of directors
  • SEC Form 10-K
  • SEC Form DEF 14A
Key Developments10 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.

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 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 Github.

Analyst Sources

Cuscal Limited is covered by 9 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Hayden NicholsonBell Potter
Matthew DungerBofA Global Research
Richard HarrisbergCanaccord Genuity

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