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Home CompaniesCuscal Ltd

Cuscal Ltd

Technology Software - Infrastructure
PortfolioPortfolio WatchlistWatchlist
Company price
5.89 AUD -0.07 ( 1.17%)
Last update at 2026-11-06T06:17:00Z
VOLUME
443682
Market Cap
1176.90M
P/E
26.77

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
5.81
Low
5.90
High
52 Week Price Range
3.55
Low
6.58
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Cuscal Ltd is an Australian payments and financial services provider that offers card issuing, transaction processing, liquidity and payment solutions to banks, credit unions, mutuals and fintechs. Long-term growth drivers include rising electronic payments, fintech outsourcing and demand for digital banking infrastructure, which may benefit from scale and technology investment. Investors may find the company attractive for its specialized client base and recurring revenue characteristics.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
5.96
Dividend Yield
1.93%
Revenue TTM
597.20M
Revenue Per Share
3.09
Gross Profit TTM
475.20M
Debt / Equity
0.53
ROE
10.54%
Net Debt
-2748.10M
ROCE
1.13%
Diluted EPS TTM
0.22

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Income before tax 54.60M 41.70M 42.60M 37.40M 33.00M
Net income 42.70M 28.70M 31.60M 26.10M 23.40M
Selling general administrative 164.20M 124.00M 132.70M 112.20M 92.60M
Selling and marketing expenses - 4.20M - - -
Gross profit 315.30M 31.40M 254.20M - -
Reconciled depreciation 16.20M 14.30M - - -
Ebit 54.60M 149.70M 153.10M 104.60M 36.40M
Ebitda 70.80M 164.00M 177.90M 112.80M 43.80M
Depreciation and amortization 16.20M 14.30M 24.80M 8.20M 7.40M
Operating income 54.60M 41.70M 42.70M 17.50M 25.70M
Other operating expenses 420.40M 97.70M 322.90M 279.80M 206.50M
Interest expense 126.10M 108.00M 110.50M 67.20M 7.80M
Tax provision 11.90M 13.00M - - -
Interest income 166.70M 139.40M - - -
Net interest income 39.40M 31.10M - - -
Income tax expense 11.90M 13.00M 12.50M 11.60M 9.60M
Total revenue 475.00M 139.40M 395.10M 218.40M -
Total operating expenses 260.70M -10.30M 322.90M 279.80M 206.50M
Cost of revenue 159.70M 108.00M 140.90M - -
Total other income expense net 7.70M 9.40M -0.10M 37.40M 33.00M
Net income from continuing ops 42.70M 28.70M - - -
Net income applicable to common shares - 28.70M - - -
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total assets 5045.60M 3465.20M 3508.30M - -
Intangible assets 155.30M 39.80M 105.80M - -
Other current assets 3.20M 86.40M 75.90M - -
Total liab 4611.90M 3088.80M 3153.70M - -
Total stockholder equity 433.70M 376.40M 352.60M - -
Other current liab -268.40M 1726.70M 3013.70M - -
Common stock 190.90M 158.60M 158.10M - -
Capital stock 190.90M - - - -
Retained earnings 237.90M 214.30M 200.70M - -
Good will 88.90M 65.60M - - -
Cash 2978.80M 2211.20M 2094.10M - -
Total current liabilities 201.10M 2094.40M 3046.20M - -
Net debt -2748.10M -1513.30M -2094.10M - -
Short term debt 201.10M 206.70M - - -
Short long term debt 3840.30M - - - -
Short long term debt total 230.70M 697.90M - - -
Total current assets 3003.80M 3321.20M 3376.70M - -
Long term investments 1422.60M - - - -
Short term investments 278.20M 998.70M 1100.40M - -
Net receivables 21.80M 24.90M 106.30M - -
Long term debt 355.70M - - - -
Accounts payable 268.40M 161.00M 32.50M - -
Accumulated other comprehensive income 4.90M 3.50M -6.20M - -
Non currrent assets other 116.40M - 1.80M - -
Non current assets total 2041.80M 144.00M 131.60M - -
Capital lease obligations 29.60M - - - -
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total cashflows from investing activities 298.30M -24.60M -17.30M -5.30M -5.80M
Total cash from financing activities 8.00M 18.00M -18.30M -80.30M -80.20M
Net income 42.70M 28.70M - - -
Change in cash 763.50M 142.10M 452.20M -27.90M 709.90M
Begin period cash flow 2215.30M 2069.10M - - -
End period cash flow 2978.80M 2211.20M 452.20M -27.90M 709.90M
Total cash from operating activities 793.10M 148.70M 403.20M 57.70M 795.90M
Issuance of capital stock 32.30M 38.30M - - -
Depreciation 16.20M - - - -
Other cashflows from investing activities - -8.60M -10.00M 52.30M -3.20M
Dividends paid 19.10M -16.70M 13.10M 11.40M 48.80M
Change to account receivables - 96.60M - - -
Sale purchase of stock - 38.30M - - -7.80M
Other cashflows from financing activities -5.20M -3.60M -5.20M -4.70M -4.60M
Capital expenditures 4.60M 24.60M 7.30M 9.70M 26.10M
Change in working capital 632.00M 6.80M 351.40M - -
Other non cash items 102.20M 141.90M 51.80M 57.70M 795.90M
Free cash flow 788.50M 124.10M 469.80M 48.00M 769.80M

Peer Comparison*

Sector: Technology Industry: Software - Infrastructure

Stock Name
Change
(AUD)
Price
(AUD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
CCL
Cuscal Ltd		 -0.07
1.17%		 5.89 26.77 20.28 1.97 2.73 5.15 10.93
XYZ
Block, Inc		 -2.22
1.78%		 122.66 111.51 15.77 2.89 2.22 1.63 11.60
MP1
Megaport Ltd		 -0.69
3.89%		 17.06 - 138.89 13.81 4.10 12.09 155.41
AXQ
Aura Consolidated Group, Inc.		 0.02
0.58%		 3.48 - - 3.78 - 5.49 -
FCL
Fineos Corporation Holdings Plc		 0.03
1.49%		 2.05 101.00 48.54 4.85 2.78 2.89 11.92

Profile*

Cuscal Ltd

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.

201 Sussex Street, Sydney, NSW, Australia, 2000

61 2 8299 9000

https://www.cuscal.com

1087

Name Title Year Born
Mr. Craig N. Kennedy M.B.A., MBA GAICD MD & Director 1969
Mr. Sean O'Donoghue B.Com., BCom UNSW, C.A., M.B.A. CFO & Company Secretary 1964
Mr. Evan Craig Chief Information Officer NA
Ms. Freya Smith Chief Legal & People Officer and Company Secretary NA
Ms. Bronwyn Yam Chief Product Officer NA
Ms. Angela Powell Chief Risk Officer NA
Mr. Michael Charles Blomfield Chief Client Officer 1970
Mr. Sean O'Donoghue B.Com., BCom UNSW, C.A., M.B.A. Non Executive Director & Company Secretary 1964
Ms. Jennifer Brice Chief Financial Officer NA
Ms. Manell Saad Chief Legal Officer & Company Secretary NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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