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CCA · ASX

Change Financial Ltd (ASX:CCA)

AU$0.057

 0.004 (7.547%)
ASX:Live
30/11/2023 03:12:28 PM
Near Support (Realtime) Near Support HALO Ords HALO Capital Efficiency GROWTH AUS +3
Consensus Score
/10
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CCA Overview

CCA Health Scores

Short Term

Mean Revision

Trend

Event

Halo Model

MQV

GARP

MQV Small

Valuation

Value

Consensus

Momentum

Price

Earnings

Growth

Earnings

Dividends

Quality

Capital Efficiency

Balance Sheet

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$33.89M

PE

N/A

EV/EBITDA

N/A

Dividends Overview

DIV Yield

N/A

Franking

N/A

Ex Dividend Date (est.)

N/A

Market Data

52 weeks range

Low 0.04 - 0.08

Trade Value (12mth)

US$2,098.00

1 week

0%

1 month

-18.46%

YTD

6%

1 year

12.77%

All time high

1.07775

Key Fundamentals

EPS 3 yr Growth

-79.800%

EBITDA Margin

-15.30%

Operating Cashflow

-$1m

Free Cash Flow Return

-16.30%

ROIC

-44.80%

Interest Coverage

-15.20

Quick Ratio

1.40

Other Data

Shares on Issue (Fully Dilluted)

628m

HALO Sector

Technology

Next Company Report Date

28-Aug-24

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

31 October 23

Quarterly Activities/Appendix 4C Cash Flow Report

×

Quarterly Activities/Appendix 4C Cash Flow Report

31 October 23

Q1 FY24 Investor Presentation

×

Q1 FY24 Investor Presentation

31 October 22

Q1 FY23 - Investor webinar presentation

×

Q1 FY23 - Investor webinar presentation

31 March 22

Change Signs Exclusive Agreement with Mastercard

×

Change Signs Exclusive Agreement with Mastercard

31 January 22

Non-dilutive funding secured to support growth

×

Non-dilutive funding secured to support growth

31 January 22

Quarterly update & Appendix 4C

×

Quarterly update & Appendix 4C

31 January 22

FY22 Q2 Investor Presentation

×

FY22 Q2 Investor Presentation

31 August 23

Appendix 4E - FY23 Results

×

Appendix 4E - FY23 Results

31 August 23

Annual Report to shareholders

×

Annual Report to shareholders

31 August 23

Appendix 4G

×

Appendix 4G

31 August 23

FY23 Results Presentation

×

FY23 Results Presentation

31 August 22

Annual Report to shareholders

×

Annual Report to shareholders

31 August 22

Appendix 4G

×

Appendix 4G

31 August 22

FY22 Results Highlights

×

FY22 Results Highlights

31 August 22

FY22 Results Presentation

×

FY22 Results Presentation

31 August 21

Appendix 4E & 2021 Annual Report

×

Appendix 4E & 2021 Annual Report

31 August 21

Annual Report Presentation

×

Annual Report Presentation

30 January 23

Quarterly Activities/Appendix 4C Cash Flow Report

×

Quarterly Activities/Appendix 4C Cash Flow Report

30 January 23

Q2 Investor Presentation

×

Q2 Investor Presentation

30 August 22

Results of Entitlement Offer

×

Results of Entitlement Offer

30 August 22

Appendix 2A

×

Appendix 2A

28 October 22

Quarterly Activities/Appendix 4C Cash Flow Report

×

Quarterly Activities/Appendix 4C Cash Flow Report

28 October 19

Money2020 & US Roadshow Investor Presentation

×

Money2020 & US Roadshow Investor Presentation

28 October 19

Notice of Annual General Meeting/Proxy Form

×

Notice of Annual General Meeting/Proxy Form

28 October 16

Notice of Annual General Meeting/Proxy Form

×

Notice of Annual General Meeting/Proxy Form

28 November 16

AGM Presentation

×

AGM Presentation

28 January 22

Q2 results - Investor webinar notification

×

Q2 results - Investor webinar notification

28 February 23

Half Yearly Report and Accounts

×

Half Yearly Report and Accounts

CCA Fundamentals

Per Share Records

Historical data

Forecasted data

USD 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Per Share, Growth & Valuations
EPS (Basic) $ Lock Lock Lock Lock -0.01 -0.01 -0.01 Lock Lock Lock
EPS (Fully Diluted) $ Lock Lock Lock Lock -0.01 -0.01 -0.01 Lock Lock Lock
     Growth % Lock Lock Lock Lock 64.8 -0.3 42.6 Lock Lock Lock
     PE X Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
     EV/EBITDA X Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
CFPS $ Lock Lock Lock Lock -0.00 -0.01 -0.00 Lock Lock Lock
FCFPS $ Lock Lock Lock Lock -0.00 -0.00 -0.00 Lock Lock Lock
     Growth % Lock Lock Lock Lock 62.9 -56.6 59.8 Lock Lock Lock
     Yield % Lock Lock Lock Lock -5.9 -11.4 -7.1 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 N/A N/A Lock Lock Lock
     Payout Ratio % Lock Lock Lock Lock 0 0 0 Lock Lock Lock
BPS $ Lock Lock Lock Lock 0.02 0.01 0.01 Lock Lock Lock
BPS (Tangible) $ Lock Lock Lock Lock 0.00 -0.01 0.00 Lock Lock Lock
     Growth % Lock Lock Lock Lock -54.3 -275.8 150.0 Lock Lock Lock
Shares Outstanding
Diluted m Lock Lock Lock Lock 367 397 536 Lock Lock Lock
Basic m Lock Lock Lock Lock 367 397 536 Lock Lock Lock

Financial Records

Historical data

Forecasted data

USD 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Income Statement
Sales $m Lock Lock Lock Lock 6 8 9 Lock Lock Lock
     Growth % Lock Lock Lock Lock 149,396.7 33.0 6.0 Lock Lock Lock
Selling & General Expenses $m Lock Lock Lock Lock 1 2 2 Lock Lock Lock
Gross Income $m Lock Lock Lock Lock -1 -2 -1 Lock Lock Lock
     Growth % Lock Lock Lock Lock 52.8 -52.2 67.7 Lock Lock Lock
     Margin % Lock Lock Lock Lock -17.9 -20.4 -6.2 Lock Lock Lock
Cost of Goods Sold to Sales % Lock Lock Lock Lock 118 120 106 Lock Lock Lock
EBITDA $m Lock Lock Lock Lock -2 -3 -1 Lock Lock Lock
     Growth % Lock Lock Lock Lock 42.9 -45.7 50.7 Lock Lock Lock
     Margin % Lock Lock Lock Lock -29.9 -32.8 -15.3 Lock Lock Lock
Depreciation & Amortisation $m Lock Lock Lock Lock 1 1 1 Lock Lock Lock
EBIT $m Lock Lock Lock Lock -2 -4 -3 Lock Lock Lock
     Growth % Lock Lock Lock Lock 23.4 -52.6 30.9 Lock Lock Lock
     Margin % Lock Lock Lock Lock -40.3 -46.2 -30.1 Lock Lock Lock
Pretax Income $m Lock Lock Lock Lock -3 -4 -3 Lock Lock Lock
Income Taxes $m Lock Lock Lock Lock 0 0 0 Lock Lock Lock
Net Income $m Lock Lock Lock Lock -3 -4 -3 Lock Lock Lock
     Growth % Lock Lock Lock Lock 1.0 -8.4 22.6 Lock Lock Lock
     Margin % Lock Lock Lock Lock -56.7 -46.2 -33.8 Lock Lock Lock
Cash Flow Statement
Net Operating Cash Flow $m Lock Lock Lock Lock -2 -2 -1 Lock Lock Lock
Capital Expenditures $m Lock Lock Lock Lock 1 1 2 Lock Lock Lock
Net Investing Cash Flow $m Lock Lock Lock Lock -5 -1 -2 Lock Lock Lock
Net Financing Cash Flow $m Lock Lock Lock Lock 8 1 7 Lock Lock Lock
Free Cash Flow $m Lock Lock Lock Lock -2 -2 -1 Lock Lock Lock
     Growth % Lock Lock Lock Lock 38.1 -5.2 42.2 Lock Lock Lock
     Margin % Lock Lock Lock Lock -0.3 -0.2 -0.1 Lock Lock Lock
Franking Balance $m Lock Lock Lock Lock N/A N/A 0 Lock Lock Lock
Balance Sheet
Cash & Short-Term Investments $m Lock Lock Lock Lock 4 2 5 Lock Lock Lock
Total Assets $m Lock Lock Lock Lock 13 10 15 Lock Lock Lock
Long Term Debt $m Lock Lock Lock Lock 0 1 0 Lock Lock Lock
Net Debt $m Lock Lock Lock Lock -3 0 -5 Lock Lock Lock
Total Liabilities $m Lock Lock Lock Lock 6 7 7 Lock Lock Lock
Equity $m Lock Lock Lock Lock 7 4 9 Lock Lock Lock
Invested Capital Lock Lock Lock Lock 7 5 9 Lock Lock Lock
     Growth % Lock Lock Lock Lock 190.8 -37.7 87.2 Lock Lock Lock
Return Ratios
Return on Assets % Lock Lock Lock Lock -27.3 -36.4 -19.1 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock -49.8 -106.9 -34.2 Lock Lock Lock
Return on Total Capital % Lock Lock Lock Lock -46.9 -61.7 -39.4 Lock Lock Lock
Return on Invested Capital % Lock Lock Lock Lock -69.9 -63.7 -44.8 Lock Lock Lock
Cash Flow Return on Invested Capital % Lock Lock Lock Lock -34.9 -30.9 -16.3 Lock Lock Lock

Ratios Records

Historical data

Forecasted data

USD 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Leverage
Interest Cover X Lock Lock Lock Lock -93.9 -25.8 -15.2 Lock Lock Lock
Debt to EBITDA X Lock Lock Lock Lock 1.9 0.1 4.0 Lock Lock Lock
Net Debt to Equity % Lock Lock Lock Lock -49.6 -5.9 -61.2 Lock Lock Lock
Liquidity
Current Ratio X Lock Lock Lock Lock 1.3 0.7 1.4 Lock Lock Lock
Quick Ratio X Lock Lock Lock Lock 1.3 0.7 1.4 Lock Lock Lock
Cash & ST Inv/Current Assets % Lock Lock Lock Lock 59.6 38.2 64.3 Lock Lock Lock
CFO/Current Liabilities % Lock Lock Lock Lock -32.2 -31.5 -18.4 Lock Lock Lock
Balance Sheet Efficiency
Receivables Turnover X Lock Lock Lock Lock 4.1 3.6 4.0 Lock Lock Lock
Inventory Turnover X Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
Working Capital Turnover X Lock Lock Lock Lock 4.6 N/A 3.3 Lock Lock Lock
Payables Turnover X Lock Lock Lock Lock 9.3 8.1 6.1 Lock Lock Lock
Asset Turnover X Lock Lock Lock Lock 0.5 0.8 0.6 Lock Lock Lock
Du Pont
Asset Turnover X Lock Lock Lock Lock 0.5 0.8 0.6 Lock Lock Lock
x Pretax Margin % Lock Lock Lock Lock -53.6 -45.5 -30.4 Lock Lock Lock
= Pretax Return on Assets % Lock Lock Lock Lock -25.8 -35.9 -17.2 Lock Lock Lock
x Tax Rate Complement (1-Tax Rate) % Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
Return on Assets % Lock Lock Lock Lock -27.3 -36.4 -19.1 Lock Lock Lock
x Equity Multiplier (Assets/Equity) % Lock Lock Lock Lock 1.8 2.9 1.8 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock -49.8 -106.9 -34.2 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 -49.8 -106.9 -34.2 Lock Lock Lock
Operating Cycle
Days of Inventory on Hand Days Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
+ Days of Sales Outstanding Days Lock Lock Lock Lock 88.0 102.6 90.8 Lock Lock Lock
Operating Cycle Days Lock Lock Lock Lock 88.0 102.6 90.8 Lock Lock Lock
- Days of Payables Outstanding Days Lock Lock Lock Lock 25.9 22.6 22.7 Lock Lock Lock
Net Operating Cycle Days Lock Lock Lock Lock 62.1 80.1 68.1 Lock Lock Lock

Dividends

Key Stats

Ex Dividend Date (est.)

N/A

DIV Yield

N/A

Franking Level

N/A

DPSg

0.00%

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$0.057.
The 52-week high share price for Change Financial Ltd (CCA:ASX) is AU$0.08.
The 52-week low share price for Change Financial Ltd (CCA:ASX)? is AU$0.04.
Change Financial Ltd (CCA:ASX) does not pay a dividend.
Change Financial Ltd (CCA:ASX) does not pay a dividend.
Change Financial Ltd (CCA:ASX) has a franking level of 0%.
Change Financial Ltd (CCA:ASX) is classified in the Technology.
The current P/E ratio for Change Financial Ltd (CCA:ASX) is .
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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.