CCA · ASX

Change Financial Ltd (ASX:CCA)

AU$0.076

 -0.004 (-5.0%)
ASX:Live
17/09/2025 01:28:27 PM
HALO Ords HALO Capital Efficiency HALO Balance Sheet GROWTH AUS Consensus Cheap +2
Consensus Score
/10
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CCA Overview

CCA Health Scores

Short Term

Mean Reversion

Neutral

Trend

Neutral

Event

Neutral

Halo Model

MQV

Very Weak

GARP

Very Weak

MQV Small

Neutral

Valuation

Value

Consensus

Momentum

Price

Neutral

Earnings

Weak

Growth

Earnings

Strong

Dividends

Very Weak

Quality

Capital Efficiency

Very Strong

Balance Sheet

Very Strong

About CCA

Website

Change Financial Ltd

Telephone

N/A

Address

Description

Change Financial Ltd. engages in the provision of mobile digital banking. It operates through the Digital Banking segment. It offers ChimpChange Platform, which can establish a transactional bank account and immediately make instant peer-to-peer (P2P) transfers. The company was founded by Ashley Shilkin on May 6, 2011 and is headquartered in Brisbane, Australia.

CCA Price Chart

Key Stats

Market Cap

AU$55.24M

PE

179.90

EV/EBITDA

24.2

Dividends Overview

DIV Yield

.0%

Franking

N/A

Ex Dividend Date (est.)

N/A

Market Data

52 weeks range

Low 0.05 - 0.1

Trade Value (12mth)

US$4,497.00

1 week

3.9%

1 month

-13.04%

YTD

29.03%

1 year

9.59%

All time high

1.08

Key Fundamentals

EPS 3 yr Growth

-70.00%

EBITDA Margin

7.10%

Operating Cashflow

$1m

Free Cash Flow Return

12.30%

ROIC

-13.10%

Interest Coverage

36.20

Quick Ratio

1.00

Other Data

Shares on Issue (Fully Dilluted)

687m

HALO Sector

Technology

Next Company Report Date

02-Sep-26

Ex Dividend Date (est.)

N/A

Next Dividend Pay Date (est.)

N/A

Reporting Currency

USD

Short Sell (% of issue)

0.00

CCA Announcements

Latest Announcements

Date Announcements

10 September 25

Change of Director's Interest Notice

×

Change of Director's Interest Notice

08 September 25

Application for quotation of securities - CCA

×

Application for quotation of securities - CCA

08 September 25

Notice under section 708A(5)(e) of the Corporations Act 2001

×

Notice under section 708A(5)(e) of the Corporations Act 2001

29 August 25

Appendix 4E & FY25 Financial Results

×

Appendix 4E & FY25 Financial Results

29 August 25

2025 Annual Report

×

2025 Annual Report

29 August 25

Appendix 4G

×

Appendix 4G

29 August 25

Investor Presentation - FY25 Full Year Results

×

Investor Presentation - FY25 Full Year Results

26 August 25

Investor Webinar Notification - FY25 Results

×

Investor Webinar Notification - FY25 Results

29 July 25

Quarterly Activities/Appendix 4C Cash Flow Report

×

Quarterly Activities/Appendix 4C Cash Flow Report

29 July 25

Q4 FY25 Investor Presentation

×

Q4 FY25 Investor Presentation

24 July 25

Q4 FY25 Results and Investor Webinar Notification

×

Q4 FY25 Results and Investor Webinar Notification

10 July 25

Trading Update - Positive Underlying EBITDA & FY26 Guidance

×

Trading Update - Positive Underlying EBITDA & FY26 Guidance

04 July 25

Notification of cessation of securities - CCA

×

Notification of cessation of securities - CCA

29 April 25

Quarterly Activities & Appendix 4C - Record revenue quarter

×

Quarterly Activities & Appendix 4C - Record revenue quarter

29 April 25

Q3 FY25 Investor Presentation

×

Q3 FY25 Investor Presentation

28 April 25

Webinar notification - Q3 FY25 Results

×

Webinar notification - Q3 FY25 Results

10 April 25

Change of Director's Interest Notice - G Sam

×

Change of Director's Interest Notice - G Sam

08 April 25

Passing of Chairman Eddie Grobler

×

Passing of Chairman Eddie Grobler

08 April 25

Final Director's Interest Notice

×

Final Director's Interest Notice

02 April 25

Initial Director's Interest Notice

×

Initial Director's Interest Notice

31 March 25

Board Changes

×

Board Changes

18 March 25

Change of Director's Interest Notice - T Russell

×

Change of Director's Interest Notice - T Russell

04 March 25

Change of Director's Interest Notice - G Sam

×

Change of Director's Interest Notice - G Sam

27 February 25

Half Yearly Report and Accounts

×

Half Yearly Report and Accounts

27 February 25

H1 FY25 Results Summary

×

H1 FY25 Results Summary

27 February 25

H1 FY25 Investor Presentation

×

H1 FY25 Investor Presentation

CCA Fundamentals

Per Share Records

Historical data

Forecast data

USD 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
Per Share, Growth & Valuations
EPS (Basic) $ Lock Lock Lock Lock -0.01 -0.00 -0.00 Lock Lock Lock
EPS (Fully Diluted) $ Lock Lock Lock Lock -0.01 -0.00 -0.00 Lock Lock Lock
     Growth % Lock Lock Lock Lock 42.6 25.4 29.9 Lock Lock Lock
     PE X Lock Lock Lock Lock N/A 27.9 179.9 Lock Lock Lock
     EV/EBITDA X Lock Lock Lock Lock N/A 15.1 24.2 Lock Lock Lock
CFPS $ Lock Lock Lock Lock -0.00 -0.00 0.00 Lock Lock Lock
FCFPS $ Lock Lock Lock Lock -0.00 -0.00 0.00 Lock Lock Lock
     Growth % Lock Lock Lock Lock 59.8 48.7 105.9 Lock Lock Lock
     Yield % Lock Lock Lock Lock -7.1 -1.8 2.8 Lock Lock Lock
DPS $ Lock Lock Lock Lock 0.00 0.00 0.00 Lock Lock Lock
     Growth % Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
     Yield % Lock Lock Lock Lock N/A 0.0 0.0 Lock Lock Lock
     Payout Ratio % Lock Lock Lock Lock 0 0 0 Lock Lock Lock
BPS $ Lock Lock Lock Lock 0.01 0.01 0.01 Lock Lock Lock
BPS (Tangible) $ Lock Lock Lock Lock 0.00 -0.00 0.00 Lock Lock Lock
     Growth % Lock Lock Lock Lock 150.0 -141.4 156.5 Lock Lock Lock
Shares Outstanding
Diluted m Lock Lock Lock Lock 536 628 675 Lock Lock Lock
Basic m Lock Lock Lock Lock 536 628 675 Lock Lock Lock

Financial Records

Historical data

Forecast data

USD 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
Income Statement
Sales $m Lock Lock Lock Lock 9 11 15 Lock Lock Lock
     Growth % Lock Lock Lock Lock 6.0 21.6 41.9 Lock Lock Lock
Selling & General Expenses $m Lock Lock Lock Lock 2 2 2 Lock Lock Lock
Gross Income $m Lock Lock Lock Lock -1 0 1 Lock Lock Lock
     Growth % Lock Lock Lock Lock 67.7 74.3 854.9 Lock Lock Lock
     Margin % Lock Lock Lock Lock -6.2 -1.3 7.0 Lock Lock Lock
Cost of Goods Sold to Sales % Lock Lock Lock Lock 106 101 93 Lock Lock Lock
EBITDA $m Lock Lock Lock Lock -1 -1 1 Lock Lock Lock
     Growth % Lock Lock Lock Lock 50.7 44.1 242.7 Lock Lock Lock
     Margin % Lock Lock Lock Lock -15.3 -7.0 7.1 Lock Lock Lock
Depreciation & Amortisation $m Lock Lock Lock Lock 1 2 2 Lock Lock Lock
EBIT $m Lock Lock Lock Lock -3 -2 -1 Lock Lock Lock
     Growth % Lock Lock Lock Lock 30.9 9.3 59.9 Lock Lock Lock
     Margin % Lock Lock Lock Lock -30.1 -22.5 -6.3 Lock Lock Lock
Pretax Income $m Lock Lock Lock Lock -3 -2 -1 Lock Lock Lock
Income Taxes $m Lock Lock Lock Lock 0 0 0 Lock Lock Lock
Net Income $m Lock Lock Lock Lock -3 -3 -2 Lock Lock Lock
     Growth % Lock Lock Lock Lock 22.6 11.9 24.4 Lock Lock Lock
     Margin % Lock Lock Lock Lock -33.8 -24.4 -13.0 Lock Lock Lock
Cash Flow Statement
Net Operating Cash Flow $m Lock Lock Lock Lock -1 0 1 Lock Lock Lock
Capital Expenditures $m Lock Lock Lock Lock 2 2 2 Lock Lock Lock
Net Investing Cash Flow $m Lock Lock Lock Lock -2 -2 -2 Lock Lock Lock
Net Financing Cash Flow $m Lock Lock Lock Lock 7 0 3 Lock Lock Lock
Free Cash Flow $m Lock Lock Lock Lock -1 -1 1 Lock Lock Lock
     Growth % Lock Lock Lock Lock 42.2 53.1 247.6 Lock Lock Lock
     Margin % Lock Lock Lock Lock -0.1 -0.0 0.1 Lock Lock Lock
Franking Balance $m Lock Lock Lock Lock 0 0 0 Lock Lock Lock
Balance Sheet
Cash & Short-Term Investments $m Lock Lock Lock Lock 5 3 7 Lock Lock Lock
Total Assets $m Lock Lock Lock Lock 15 13 18 Lock Lock Lock
Long Term Debt $m Lock Lock Lock Lock 0 0 0 Lock Lock Lock
Net Debt $m Lock Lock Lock Lock -5 -2 -6 Lock Lock Lock
Total Liabilities $m Lock Lock Lock Lock 7 7 11 Lock Lock Lock
Equity $m Lock Lock Lock Lock 9 6 7 Lock Lock Lock
Invested Capital Lock Lock Lock Lock 9 6 7 Lock Lock Lock
     Growth % Lock Lock Lock Lock 87.2 -30.2 22.8 Lock Lock Lock
Return Ratios
Return on Assets % Lock Lock Lock Lock -19.1 -19.9 -10.8 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock -34.2 -44.6 -28.1 Lock Lock Lock
Return on Total Capital % Lock Lock Lock Lock -39.4 -32.9 -14.4 Lock Lock Lock
Return on Invested Capital % Lock Lock Lock Lock -44.8 -36.2 -13.1 Lock Lock Lock
Cash Flow Return on Invested Capital % Lock Lock Lock Lock -16.3 -6.6 12.3 Lock Lock Lock

Ratios Records

Historical data

Forecast data

USD 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
Leverage
Interest Cover X Lock Lock Lock Lock -15.2 -29.3 36.2 Lock Lock Lock
Debt to EBITDA X Lock Lock Lock Lock 4.0 3.3 -5.9 Lock Lock Lock
Net Debt to Equity % Lock Lock Lock Lock -61.2 -42.2 -90.4 Lock Lock Lock
Liquidity
Current Ratio X Lock Lock Lock Lock 1.4 0.9 1.0 Lock Lock Lock
Quick Ratio X Lock Lock Lock Lock 1.4 0.9 1.0 Lock Lock Lock
Cash & ST Inv/Current Assets % Lock Lock Lock Lock 64.3 48.0 66.0 Lock Lock Lock
CFO/Current Liabilities % Lock Lock Lock Lock -18.4 -7.8 8.2 Lock Lock Lock
Balance Sheet Efficiency
Receivables Turnover X Lock Lock Lock Lock 4.0 4.6 5.8 Lock Lock Lock
Inventory Turnover X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Working Capital Turnover X Lock Lock Lock Lock 3.3 0.0 41.9 Lock Lock Lock
Payables Turnover X Lock Lock Lock Lock 6.1 5.4 2.5 Lock Lock Lock
Asset Turnover X Lock Lock Lock Lock 0.6 0.8 0.8 Lock Lock Lock
Du Pont
Asset Turnover X Lock Lock Lock Lock 0.6 0.8 0.8 Lock Lock Lock
x Pretax Margin % Lock Lock Lock Lock -30.4 -21.5 -5.9 Lock Lock Lock
= Pretax Return on Assets % Lock Lock Lock Lock -17.2 -17.5 -4.9 Lock Lock Lock
x Tax Rate Complement (1-Tax Rate) % Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Return on Assets % Lock Lock Lock Lock -19.1 -19.9 -10.8 Lock Lock Lock
x Equity Multiplier (Assets/Equity) % Lock Lock Lock Lock 1.8 2.2 2.6 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock -34.2 -44.6 -28.1 Lock Lock Lock
x Earnings Retention (1-Payout) % Lock Lock Lock Lock 100.0 100.0 100.0 Lock Lock Lock
= Reinvestment Rate (%) % Lock Lock Lock Lock -34.2 -44.6 -28.1 Lock Lock Lock
Operating Cycle
Days of Inventory on Hand Days Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
+ Days of Sales Outstanding Days Lock Lock Lock Lock 90.8 79.3 63.1 Lock Lock Lock
Operating Cycle Days Lock Lock Lock Lock 90.8 79.3 63.1 Lock Lock Lock
- Days of Payables Outstanding Days Lock Lock Lock Lock 22.7 18.6 12.4 Lock Lock Lock
Net Operating Cycle Days Lock Lock Lock Lock 68.1 60.6 50.7 Lock Lock Lock

Dividends

Key Stats

Ex Dividend Date (est.)

N/A

DIV Yield

.0%

Franking Level

N/A

DPSg

N/A

Quality Yield

Lock

Falling Divs over next 2

Lock

Values and Recommendations

Key Stats

Consensus Score

Lock

Recommendation

Lock

EPS 1 month Change

Lock

Quality Yield

Lock

Falling Divs over next 2

Lock

Halo Consensus Score

Lock Chart

PEG Ratio

Lock Chart

Consensus EPS Revisions

Lock Chart

Short selling

Key Stats

Percent of Issue

0.00%

Value ($M)

0

Prior Change

N/A

7 Day Change

N/A

1 Month Change

N/A

3 Month Change

N/A

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Frequently Asked Questions

The current share price of Change Financial Ltd (CCA:ASX) is AU$0.076.
The 52-week high share price for Change Financial Ltd (CCA:ASX) is AU$0.10.
The 52-week low share price for Change Financial Ltd (CCA:ASX)? is AU$0.05.
The current TTM dividend payout for Change Financial Ltd (CCA:ASX) is 0.00.
Change Financial Ltd (CCA:ASX) does not pay a dividend.
Change Financial Ltd (CCA:ASX) has a franking level of 0.0%.
Change Financial Ltd (CCA:ASX) is classified in the Technology.
The current P/E ratio for Change Financial Ltd (CCA:ASX) is 179.90.
The current share price of Change Financial Ltd (CCA:ASX) is AU$0.076.
The 52-week high share price for Change Financial Ltd (CCA:ASX) is AU$0.10.
The 52-week low share price for Change Financial Ltd (CCA:ASX)? is AU$0.05.
The current TTM dividend payout for Change Financial Ltd (CCA:ASX) is 0.00.
Change Financial Ltd (CCA:ASX) does not pay a dividend.
Change Financial Ltd (CCA:ASX) has a franking level of 0.0%.
Change Financial Ltd (CCA:ASX) is classified in the Technology.
The current P/E ratio for Change Financial Ltd (CCA:ASX) is 179.90.
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HALO Technologies Pty Ltd ABN 54 623 830 866 is a Corporate Authorised Representative No 1261916 of Macrovue Pty Ltd ABN 98 600 022 679 AFSL 484264. Macrovue Pty Ltd is a wholly owned subsidiary of HALO Technologies Pty Ltd.