Cash Converters InternationalASX:CCV -6.45%62 Interest Coverage is 3.67 as of Dec. 2025, which is 21% above its 10-year median of 3.03. GuruFocus rates ASX:CCV with a GF Score™ of 62/100 and a GF Value™ of A$0.32 (Fairly Valued). The stock has 4 warning signs investors should review. Among 823 Retail - Cyclical companies, Cash Converters International ranks worse than 71.32% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Cash Converters International's
Operating Income
for the
six
months ended in Dec. 2025 was A$24.5 Mil. Cash Converters International's Interest Expense for the
six
months ended in Dec. 2025 was A$-6.7 Mil.
Cash Converters International's interest coverage for the quarter that ended in Dec. 2025 was 3.67.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Cash Converters International's Interest Coverage or its related term are showing as below:
ASX:CCV'
s Interest Coverage Range Over the Past 10 Years
Min: 0.28 Med: 3.03 Max: 4.82
Current: 3.34
ASX:CCV's Interest Coverage is ranked worse than 71.32% of 823
companies
in the Retail - Cyclical industry
Industry Median: 7.92
vs ASX:CCV: 3.34
Cash Converters International (ASX:CCV) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Cash Converters International Interest Coverage Related Terms
Cash Converters International Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Cash Converters International Interest Coverage Chart
ASX:CCV vs CASY, WSM, DKS: Interest Coverage Comparison
For the Specialty Retail subindustry, Cash Converters International's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Cash Converters International's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Cash Converters International's Interest Coverage falls into.
Cash Converters International Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 3.67 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Cash Converters International and its competitors. This is 21% above median its historical median of 3.03. Over the past decade, Cash Converters International's Interest Coverage has ranged from 0.28 to 4.82. According to the industry distribution chart, Cash Converters International ranks #587 out of 823 companies in the Retail - Cyclical industry, placing it in the top 71.3%.
Is Cash Converters International's Interest Coverage too high?
Cash Converters International's current Interest Coverage of 3.67 is 21% above median its 10-year median of 3.03. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 4.82. The Retail - Cyclical industry median Interest Coverage is 7.92. Cash Converters International's value of 3.67 is 53.7% below this industry median. Based on the distribution chart, Cash Converters International ranks #587 out of 823 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, Cash Converters International has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Cash Converters International's Interest Coverage compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Cash Converters International ranks #587 out of 823 companies for Interest Coverage. This places Cash Converters International in the lower half of its industry. The industry median Interest Coverage is 7.92. Cash Converters International's value of 3.67 is 53.7% below this benchmark. Historically, Cash Converters International's own Interest Coverage has ranged from 0.28 to 4.82 over the past decade. While the company's 10-year median is 3.03 vs. the industry median of 7.92, Cash Converters International has consistently been below 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 Interest Coverage for a Retail - Cyclical company?
The median Interest Coverage among Retail - Cyclical companies is 7.92, based on 823 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cash Converters International's current Interest Coverage of 3.67 is 53.7% below 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Cash Converters International and its competitors. For the Retail - Cyclical industry, the median Interest Coverage is 7.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cash Converters International's current Interest Coverage is 3.67, which is 21% above median its own 10-year median of 3.03. 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$0.29 — trading 9.4% below its estimated fair value. The current Interest Coverage is 3.67, which is 21% above median its 10-year median of 3.03 and 53.7% below the Retail - Cyclical industry median of 7.92. Cash Converters International's overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Cash Converters International (ASX:CCV), the current Interest Coverage is 3.67 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$0.29 is trading 9.4% below its estimated GF Value™ of A$0.32.
GuruFocus considers Cash Converters International to be Fairly Valued.
Key valuation signals for ASX:CCV:
Interest Coverage: 3.67 (21% above median its 10-year median of 3.03)
GF Value™: A$0.32 vs. price of A$0.29 (9.4% below fair value)
Industry Position: 53.7% below the Retail - Cyclical median (#587 of 823)
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.
62GF Score
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