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Cash Converters InternationalASX:CCV 58 Debt-to-EBITDA is 3.12 as of Dec. 2025, which is 15% below its 10-year median of 3.65. GuruFocus rates ASX:CCV with a GF Score™ of 58/100 and a GF Value™ of A$0.32 (Fairly Valued). The stock has 4 warning signs investors should review. Among 901 Retail - Cyclical companies, Cash Converters International ranks worse than 58.82% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Cash Converters International's Debt-to-EBITDA or its related term are showing as below:
ASX:CCV'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -2.96 Med: 3.65 Max: 11.43
Current: 2.99
During the past 13 years, the highest Debt-to-EBITDA Ratio of Cash Converters International was 11.43. The lowest was -2.96. And the median was 3.65.
ASX:CCV's Debt-to-EBITDA is ranked worse than 58.82% of 901
companies
in the Retail - Cyclical industry
Industry Median: 2.4
vs ASX:CCV: 2.99
Cash Converters International (ASX:CCV) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Cash Converters International Debt-to-EBITDA Related Terms
Cash Converters International Debt-to-EBITDA 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.
Cash Converters International Debt-to-EBITDA Chart
ASX:CCV vs CASY, WSM, DKS: Debt-to-EBITDA Comparison
For the Specialty Retail subindustry, Cash Converters International's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Cash Converters International's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Cash Converters International's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Dec. 2025) EBITDA data.
Cash Converters International (ASX:CCV) has a Debt-to-EBITDA of 3.12 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Cash Converters International. This is 15% below median its historical median of 3.65. According to the industry distribution chart, Cash Converters International ranks #530 out of 901 companies in the Retail - Cyclical industry, placing it in the top 58.8%.
Is Cash Converters International's Debt-to-EBITDA too high?
Cash Converters International's current Debt-to-EBITDA of 3.12 is 15% below median its 10-year median of 3.65. The Retail - Cyclical industry median Debt-to-EBITDA is 2.40. Cash Converters International's value of 3.12 is 30% above this industry median. Based on the distribution chart, Cash Converters International ranks #530 out of 901 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, Cash Converters International has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Cash Converters International's Debt-to-EBITDA compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Cash Converters International ranks #530 out of 901 companies for Debt-to-EBITDA. This places Cash Converters International in the lower half of its industry. The industry median Debt-to-EBITDA is 2.40. Cash Converters International's value of 3.12 is 30% above this benchmark. While the company's 10-year median is 3.65 vs. the industry median of 2.40, 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 Debt-to-EBITDA for a Retail - Cyclical company?
The median Debt-to-EBITDA among Retail - Cyclical companies is 2.40, based on 901 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cash Converters International's current Debt-to-EBITDA of 3.12 is 30% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Cash Converters International. For the Retail - Cyclical industry, the median Debt-to-EBITDA is 2.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cash Converters International's current Debt-to-EBITDA is 3.12, which is 15% below median its own 10-year median of 3.65. 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 Debt-to-EBITDA is 3.12, which is 15% below median its 10-year median of 3.65 and 30% above the Retail - Cyclical industry median of 2.40. Cash Converters International's overall GF Score™ is 58/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Cash Converters International (ASX:CCV), the current Debt-to-EBITDA is 3.12 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:
Debt-to-EBITDA: 3.12 (15% below median its 10-year median of 3.65)
GF Value™: A$0.32 vs. price of A$0.32 (0% below fair value)
Industry Position: 30% above the Retail - Cyclical median (#530 of 901)
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.
58GF Score
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