CCL.AX

Strong BuyFull HouseAI screen pass

Cuscal Limited · Technology · Australia · $848M

AUD 6.47 +0.3% · close 6 Oct · scored 7 Oct

Full House: Strong business, sensible price, market agrees. The rare full house.

94
StockRank
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Quality
52
Value
75
Momentum
69

Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →

P/E (TTM)
28.7x
peers 38.7x
ROE
10.5%
peers -4.5%
D/E
1.2x
peers 0.1x
Dividend %
1.9%
trailing yield
AI screening note

Strong momentum and quality scores combined with an exceptional +26.8% upward EPS revision demonstrate significant fundamental strength. The business exhibits high-moat characteristics suitable for the current macro environment.

ABOUT CUSCAL LIMITED

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Cuscal Ltd. is an Australian technology company that provides payment solutions and services to financial institutions, including card processing, real-time payments, and digital banking platforms. The company acts as a critical infrastructure provider within the Australian financial ecosystem, enabling various banks and credit unions to offer modern payment services. Its deep integration and specialized expertise in payment processing represent a significant competitive moat in the country's financial technology landscape.

FINANCIAL SUMMARY (AUD)

Year2022202320242025CAGRTTM2027E2028EFwd CAGR
Revenue———343.7M—596.9M442.2M469.6M11.0%
EPS (AUD)0.120.150.180.168.2%0.220.190.2212.8%
Shares191.6M175.4M175.4M191.6M0.0%199.8M———
Debt—2.5B2.7B697.9M-46.9%502.9M———
Equity0298.9M322.2M376.4M12.2%————
Op CF795.9M57.7M487.8M148.7M-42.8%457.0M———
Inv CF-5.8M-5.3M-17.3M-24.6M—————
Fin CF-80.2M-80.3M-18.3M18.0M—————
Loading 1Y...
PRICE (1Y) · AUD+13.5%
5.45.75.96.26.525 Aug16 Sep6 Oct
SMA 50SMA 200

Price checkExperimental
SwingsAverage

Calmer than 68% of stocks we rank over the past year (32% a year).

How this is worked out

What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.

What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.

Calm is not safe: a calm stock can still slide steadily.

Rules fixed before any data was fetched. Describes the chart, not a recommendation.

Close
AUD 6.47
RSI (14)
75.0
52-Week Range-1.7% from high
Low AUD 3.55High AUD 6.58

SCORE BREAKDOWN

Quality
52
ROIC
10.9%63.7
ROE
10.5%58.2
GP/Assets
14.5%33.7
Op. Margin
31.3%93.4
FCF/Assets
31.4%98.2
Piotroski
448.4
Int. Cover
1.4x26.3
D/E Ratio
1.16x10.1
Current Ratio
0.86x6.5
Value
75
P/E (TTM)
28.7x50.4
EV/EBITDA
-7.8x99.6
P/FCF
1.2x99.2
P/B
2.9x52.9
P/S
2.1x59.6
Div Yield
1.9%60.3
Momentum
69
52W High %
98%97.1
RS 6M
53%86.6
SMA 50/200
1.19x84.6
EPS Rev 4W
-3.4%6.6
EPS Rev 12W
+22.1%91.4
EPS Improve
+56%42.4
Q Growth
28%48.0

FUNDAMENTALS

Market Cap
$848M
P/E (Forward)
18.4x
Gross Margin
79.6%

SECTOR PEERS

Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of CCL.AX are excluded.

TickerCompanyMkt CapStockRankSignal
CCL.AXCuscal Limited(you)$848M94Strong Buy
TYR.AXTyro Payments Limited$257M73Buy
MP1.AXMegaport Limited$3.3B64Hold
B4P.AXBeforepay Group Limited$58M77Buy
SEE.LSeeing Machines Limited$267M15Strong Sell
VFY.AXVitrafy Life Sciences Limited$184M18Strong Sell
BVS.AXBravura Solutions Limited$989M98Strong Buy
ACE.AXAcusensus Limited$135M22Sell
NXL.AXNuix Limited$453M90Strong Buy
IRE.AXIress Limited$707M77Buy

Peer medians: ROE -4.5% · P/E 38.7x · Gross margin 50.8%

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

Cuscal Limited (CCL.AX): Stock Score Summary

Cuscal Limited (CCL.AX) has a MoatMap StockRank of 94/100 based on Quality (52/100), Value (75/100), and Momentum (69/100) factor scores. The current signal is STRONG BUY. Strong momentum and quality scores combined with an exceptional +26.8% upward EPS revision demonstrate significant fundamental strength. The business exhibits high-moat characteristics suitable for the current macro environment.

Cuscal Ltd. is an Australian technology company that provides payment solutions and services to financial institutions, including card processing, real-time payments, and digital banking platforms. The company acts as a critical infrastructure provider within the Australian financial ecosystem, enabling various banks and credit unions to offer modern payment services. Its deep integration and specialized expertise in payment processing represent a significant competitive moat in the country's financial technology landscape.

Key Financial Metrics

PriceAUD 6.47
Market Cap$848M
P/E (TTM)28.68
P/E (Forward)18.40
Price/Book2.91
Return on Equity10.5%
Return on Invested Capital10.9%
Debt/Equity1.16x
Gross Margin79.6%
Operating Margin31.3%
Revenue Growth33.4%
Dividend Yield1.9%
Free Cash Flow$719M

Cuscal Limited operates in the Software - Infrastructure industry, part of the Technology sector (Australia).

Frequently Asked Questions

What is Cuscal Limited’s (CCL.AX) StockRank?
MoatMap’s StockRank for Cuscal Limited (CCL.AX) is 94/100, with a Strong Buy signal. It is a composite of Quality (52), Value (75), and Momentum (69) factor ranks across MoatMap’s universe of 24,000+ stocks.
Does Cuscal Limited have an economic moat?
Cuscal Limited (CCL.AX) has a Quality factor score of 52/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Cuscal Limited a buy, hold, or sell?
MoatMap’s current signal for Cuscal Limited (CCL.AX) is Strong Buy, based on a StockRank of 94/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Cuscal Limited in?
Cuscal Limited (CCL.AX) operates in the Technology sector, specifically the Software - Infrastructure industry (Australia).