Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Cash Converters International has a Cash Ratio of 0.42. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for Cash Converters International's Cash Ratio or its related term are showing as below:
ASX:CCV'
s Cash Ratio Range Over the Past 10 Years
Min: 0.33 Med: 0.63 Max: 1.17
Current: 0.42
During the past 13 years, Cash Converters International's highest Cash Ratio was 1.17. The lowest was 0.33. And the median was 0.63.
ASX:CCV's Cash Ratio is ranked better than 55.35% of 1113
companies
in the Retail - Cyclical industry
Industry Median: 0.35
vs ASX:CCV: 0.42
Cash Converters International (ASX:CCV) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Cash Converters International Cash Ratio Related Terms
Cash Converters International Cash Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Specialty Retail subindustry, Cash Converters International's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Cash Converters International Cash Ratio vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Cash Converters International's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Cash Converters International's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Cash Converters International (ASX:CCV) has a Cash Ratio of 0.42 as of Dec. 2025. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Cash Converters International and its competitors. This is 33% below median its historical median of 0.63. Over the past decade, Cash Converters International's Cash Ratio has ranged from 0.33 to 1.17. According to the industry distribution chart, Cash Converters International ranks #497 out of 1113 companies in the Retail - Cyclical industry, placing it in the top 44.7%.
Is Cash Converters International's Cash Ratio too high?
Cash Converters International's current Cash Ratio of 0.42 is 33% below median its 10-year median of 0.63. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 1.17. The Retail - Cyclical industry median Cash Ratio is 0.35. Cash Converters International's value of 0.42 is 20% above this industry median. Based on the distribution chart, Cash Converters International ranks #497 out of 1113 companies in the Retail - Cyclical industry, which is above the industry midpoint. Overall, Cash Converters International has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Cash Converters International's Cash Ratio compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Cash Converters International ranks #497 out of 1113 companies for Cash Ratio. This puts Cash Converters International in the upper half of its industry. The industry median Cash Ratio is 0.35. Cash Converters International's value of 0.42 is 20% above this benchmark. Historically, Cash Converters International's own Cash Ratio has ranged from 0.33 to 1.17 over the past decade. While the company's 10-year median is 0.63 vs. the industry median of 0.35, Cash Converters International has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Retail - Cyclical company?
The median Cash Ratio among Retail - Cyclical companies is 0.35, based on 1,113 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cash Converters International's current Cash Ratio of 0.42 is 20% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Cash Converters International and its competitors. For the Retail - Cyclical industry, the median Cash Ratio is 0.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cash Converters International's current Cash Ratio is 0.42, which is 33% below median its own 10-year median of 0.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cash Converters International stock overvalued right now?
Based on GuruFocus' analysis, Cash Converters International (ASX:CCV) is currently considered Fairly Valued. The stock's GF Value™ is A$0.32, compared to a current price of A$0.32 — trading right at its estimated fair value. The current Cash Ratio is 0.42, which is 33% below median its 10-year median of 0.63 and 20% above the Retail - Cyclical industry median of 0.35. Cash Converters International's overall GF Score™ is 56/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Cash Converters International (ASX:CCV), the current Cash Ratio is 0.42 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Cash Converters International (ASX:CCV) Overvalued in 2026?
Based on GuruFocus' analysis, Cash Converters International stock appears to be undervalued.
The current stock price of A$0.32 is trading 0% below its estimated GF Value™ of A$0.32.
GuruFocus considers Cash Converters International to be Fairly Valued.
Key valuation signals for ASX:CCV:
Cash Ratio: 0.42 (33% below median its 10-year median of 0.63)
GF Value™: A$0.32 vs. price of A$0.32 (0% below fair value)
Industry Position: 20% above the Retail - Cyclical median (#497 of 1113)
No single metric tells the full story. See the ASX:CCV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cash Converters International Business Description
Cash Converters International Ltd is a franchised retail network that specializes in the sale of second-hand goods. It operates through business segments: Store Operations segment, which is the key revenue driver, involves the retail sale of new and second-hand goods, cash advance, and pawnbroking operations; Personal Finance segment comprises the Cash Converters Personal Finance personal loans business; The vehicle Financing segment comprises Green Light Auto Group, which provides motor vehicle finance; the New Zealand Segment; and the United Kingdom. The company generates the majority of its revenue from the Store Operations segment.
56GF Score
Get the complete analysis for ASX:CCV
Cash Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:CCV has been successfully added to your 
