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Cuscal Ltd

Cuscal Ltd

CCL · AU · Technology / Software - Infrastructure

5.72AUD-0.08 (-1.38%)

Price History

Full chart

Market Stats

Previous Close5.80
Open5.82
Day Range5.68 – 5.82
52-Week Range3.55 – 6.33
Volume262.95K
Market Cap1.26B
P/E (TTM)28.68
Forward P/E21.28
EPS0.22
Dividend Yield1.82%
50-Day Avg5.55
200-Day Avg4.74

About

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. The company was formerly known as Credit Union Services Corporation (Australia) Limited and changed its name to Cuscal Limited in December 2005. Cuscal Limited was founded in 1977 and is based in Sydney, Australia.

Company Details

  • SectorTechnology
  • IndustrySoftware - Infrastructure
  • CEOMr. Michael Charles Blomfield
  • Employees1.09K
  • Headquarters201 Sussex Street, Sydney, NSW, Australia, 2000, Australia
  • Websitehttps://www.cuscal.com

Leadership

  • Mr. Craig N. Kennedy M.B.A., MBA GAICDMD & Director · b. 1969
  • Ms. Jennifer BriceChief Financial Officer
  • Mr. Evan CraigChief Information Officer
  • Ms. Manell Saad B.Com., L.L.B.Chief Legal Officer & Company Secretary
  • Ms. Freya SmithChief Client Officer
  • Ms. Bronwyn YamChief Product Officer
  • Ms. Angela PowellChief Risk Officer
  • Mr. Michael Charles BlomfieldCEO of Cuscal Paymark · b. 1970
  • Mr. Edward RasheedChief Strategy Officer

Financials

Income Statement

Currency: AUD1988-06-301990-06-301991-06-301992-06-301993-06-301994-06-301995-06-301996-06-301998-06-301999-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue-----------3.68B3.51B3.44B3.50B4.08B4.36B3.95B4.16B4.53B4.59B4.75B5.03B4.98B4.96B5.11B5.17B4.94B4.76B5.08B4.78B175.10M218.40M395.10M139.40M475.00M
Growth (%)-------------4.38%-2.13%+1.89%+16.54%+6.88%-9.42%+5.20%+8.94%+1.24%+3.64%+5.79%-0.99%-0.36%+3.04%+1.09%-4.33%-3.65%+6.70%-5.98%-96.34%+24.73%+80.91%-64.72%+240.75%
Cost of Revenue-----------2.18B2.02B1.91B1.87B2.31B2.47B2.16B2.23B2.42B2.48B2.68B2.84B2.84B2.86B2.95B3.01B2.84B2.75B2.97B2.86B7.40M12.40M140.90M108.00M159.70M
Gross Profit-----------1.49B1.49B1.53B1.64B1.78B1.90B1.80B1.93B2.11B2.11B2.07B2.19B2.14B2.11B2.16B2.16B2.11B2.01B2.11B1.92B-243.70M254.20M31.40M315.30M
Gross Margin-----------40.65%42.44%44.44%46.75%43.50%43.45%45.44%46.31%46.61%46.04%43.54%43.55%42.91%42.44%42.23%41.72%42.57%42.25%41.48%40.12%-111.58%64.34%22.53%66.38%
Operating Expense-----------1.17B1.12B1.11B1.21B1.27B1.40B1.21B1.31B1.34B1.29B1.51B1.59B1.41B1.50B1.54B1.73B1.47B1.50B1.54B1.66B-226.20M211.50M-10.30M260.70M
Operating Income248.37M269.52M309.13M233.51M217.32M448.80M252.10M347.80M588.10M982.10M503.00M320.40M374.60M413.80M431.40M505.00M497.80M584.00M617.40M773.50M821.10M554.70M598.00M729.30M610.60M620.90M423.20M634.60M509.60M568.40M258.60M25.70M17.50M42.70M41.70M54.60M
Operating Margin-----------8.72%10.66%12.03%12.31%12.37%11.40%14.77%14.84%17.07%17.90%11.67%11.89%14.65%12.31%12.14%8.19%12.83%10.70%11.18%5.41%14.68%8.01%10.81%29.91%11.49%
EBITDA248.37M269.52M309.13M233.51M217.32M448.80M252.10M347.80M588.10M982.10M503.00M693.00M474.90M487.70M535.30M581.20M559.80M616.10M717.50M802.20M865.80M882.30M796.60M404.10M538.30M685.20M496.70M698.20M515.70M631.00M332.90M33.10M29.90M177.90M164.00M70.80M
EBITDA Margin-----------18.86%13.51%14.18%15.27%14.23%12.83%15.58%17.25%17.71%18.87%18.56%15.84%8.11%10.85%13.40%9.61%14.12%10.82%12.41%6.97%18.90%13.69%45.03%117.65%14.91%
Net Income---------------320.50M282.40M367.60M385.60M449.00M497.30M591.80M460.10M80.60M272.80M403.40M257.30M461.00M414.50M383.80M145.00M23.40M26.10M31.60M28.70M42.70M
Net Income Margin---------------7.85%6.47%9.30%9.27%9.91%10.84%12.45%9.15%1.62%5.50%7.89%4.98%9.32%8.70%7.55%3.03%13.36%11.95%8.00%20.59%8.99%
Interest Expense53.85M145.45M142.87M133.79M116.03M82.40M91.40M140.00M213.40M192.60M206.10M170.00M182.50M134.00M128.70M151.10M163.80M157.00M181.90M148.80M155.30M139.60M147.70M161.00M153.10M120.80M114.80M104.40M86.10M107.30M80.10M7.80M67.20M110.50M108.00M126.10M
Interest Expense % of Total Revenue-----------4.63%5.19%3.90%3.67%3.70%3.75%3.97%4.37%3.28%3.39%2.94%2.94%3.23%3.09%2.36%2.22%2.11%1.81%2.11%1.68%4.45%30.77%27.97%77.47%26.55%

Balance Sheet

Currency: AUD1988-06-301990-06-301991-06-301992-06-301993-06-301994-06-301995-06-301996-06-301997-06-301998-06-301999-06-302000-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets1.30B1.27B1.75B2.01B2.29B2.90B3.22B4.65B-9.47B8.48B-8.79B6.35B5.95B5.79B5.92B5.25B5.40B4.64B5.09B5.57B5.28B6.03B6.72B6.61B6.04B6.67B6.46B6.06B6.17B6.58B6.12B3.32B3.08B3.51B3.47B5.05B
Total Liabilities720.33M1.02B1.11B1.33B1.50B1.74B2.01B2.65B-4.04B4.31B-4.31B3.32B2.74B2.87B2.80B3.82B3.93B3.20B3.72B3.97B3.44B3.99B4.64B4.87B4.35B4.26B4.05B4.18B4.27B4.63B4.50B3.02B2.78B3.15B3.09B4.61B
Total Equity579.10M253.12M633.69M687.48M788.55M1.17B1.21B2.00B-5.42B4.18B-4.48B3.03B3.22B2.92B3.11B1.42B1.47B1.44B1.37B1.60B1.83B2.03B2.08B1.74B1.69B2.41B2.41B1.88B1.90B1.95B1.63B293.20M298.90M352.60M376.40M433.70M
Cash21.79M53.59M59.16M80.86M60.03M119.24M105.80M186.10M-374.20M308.00M-530.50M276.00M205.40M260.10M279.90M315.00M436.10M379.70M298.30M864.40M385.30M664.90M1.18B1.43B818.20M1.24B1.38B1.04B937.40M856.00M1.02B1.66B1.62B2.09B2.21B2.98B
Total Debt294.68M620.12M650.74M942.18M376.05M1.15B1.34B1.77B-2.56B3.04B-3.10B2.52B1.80B1.84B1.82B2.30B2.36B1.87B2.41B2.46B1.97B2.49B2.79B3.11B2.63B2.54B2.38B2.35B2.36B1.96B1.71B478.40M2.47B2.71B697.90M4.23B
Net Debt272.89M566.53M591.58M861.32M316.02M1.03B1.23B1.59B-2.19B2.74B-2.57B2.24B1.59B1.58B1.54B1.99B1.92B1.49B2.11B1.59B1.58B1.83B1.61B1.68B1.81B1.30B1.00B1.31B1.43B1.10B696.80M-1.19B856.60M-2.09B-1.51B1.25B

Cash Flow

Currency: AUD1988-06-301990-06-301991-06-301992-06-301993-06-301994-06-301995-06-301996-06-301998-06-301999-06-302001-06-302002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow---13.07M120.49M207.80M173.00M116.90M433.70M357.10M468.30M268.10M389.20M384.30M380.60M435.20M468.40M523.90M430.60M751.30M585.40M641.80M741.90M733.10M590.20M626.80M774.80M589.20M622.50M667.70M839.60M795.90M57.70M403.20M148.70M793.10M
Investing Cash Flow----210.80M-247.67M152.80M-321.80M-1.25B-608.40M-632.00M-195.80M99.30M113.80M-343.20M-188.20M-608.30M-226.20M70.60M-258.70M-360.00M-384.50M-374.70M-378.20M-241.50M-294.00M-321.40M-189.80M-182.60M-414.10M-133.20M-159.60M-5.80M-5.30M-17.30M-24.60M298.30M
Financing Cash Flow---52.64M-3.55M379.30M54.80M1.12B64.40M96.00M-162.60M-597.20M-569.50M-247.90M124.00M201.10M-118.20M-646.70M-263.00M178.10M-677.60M8.50M147.40M-249.20M-926.10M122.40M-438.50M-684.50M-342.70M-647.30M-476.30M-80.20M-80.30M-18.30M18.00M8.00M
Capital Expenditure000185.34M235.73M257.90M325.80M480.80M778.50M512.30M231.60M160.50M96.50M166.20M210.50M304.10M281.00M300.50M278.30M307.60M372.80M361.20M615.10M397.00M285.30M266.20M303.20M312.20M339.70M234.80M209.80M26.10M9.70M7.30M24.60M4.60M
Free Cash Flow----172.27M-115.24M-50.10M-152.80M-363.90M-344.80M-155.20M236.70M107.60M292.70M218.10M170.10M131.10M187.40M223.40M152.30M443.70M212.60M280.60M126.80M336.10M304.90M360.60M471.60M277.00M282.80M432.90M629.80M769.80M48.00M395.90M124.10M788.50M
Dividends Paid---36.76M39.92M49.70M64.50M75.90M104.20M165.30M124.50M69.00M84.30M133.90M169.90M204.50M225.20M237.80M257.30M196.10M260.30M343.70M382.60M451.30M397.00M320.70M340.00M345.80M340.50M369.60M253.80M48.80M11.40M13.10M16.70M19.10M
FCF to OCF----1318.35%-95.64%-24.11%-88.32%-311.29%-79.50%-43.46%50.54%40.13%75.21%56.75%44.69%30.12%40.01%42.64%35.37%59.06%36.32%43.72%17.09%45.85%51.66%57.53%60.87%47.01%45.43%64.83%75.01%96.72%83.19%98.19%83.46%99.42%
Dividend Paid to FCF----21.34%-34.64%-99.20%-42.21%-20.86%-30.22%-106.51%52.60%64.13%28.80%61.39%99.88%155.99%120.17%106.45%168.94%44.20%122.44%122.49%301.74%134.28%130.21%88.94%72.09%124.84%120.40%85.38%40.30%6.34%23.75%3.31%13.46%2.42%

Earnings

Report DateFeb 25, 2025Aug 21, 2025
EPS Estimate0.000.00
EPS Actual0.070.09
Surprise--
Timing--

Key Statistics & Ratios

Market Cap1.26B
Enterprise Value2.19B
Trailing P/E28.68
Forward P/E21.28
Price / Sales2.11
Price / Book2.81
EPS0.22
Book Value2.17
Revenue (TTM)597.20M
Gross Profit (TTM)475.20M
EBITDA192.30M
Profit Margin7.15%
Operating Margin31.34%
Return on Equity10.54%
Return on Assets2.75%
Shares Outstanding199.81M
Shares Float183.80M
Dividend Yield1.82%
Dividend Rate0.12
Payout Ratio45.87%

Dividends

20262×
0.07Aug 27, 20260.04Mar 3, 2026
20251×
0.06Aug 28, 2025