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Home CompaniesChange Financial Ltd

Change Financial Ltd

Technology Information Technology Services
PortfolioPortfolio WatchlistWatchlist
Company price
0.042 AUD 0.00 ( 2.44%)
Last update at 2026-11-12T01:50:00Z
VOLUME
180689
Market Cap
29.00M

Momentum Score

…

Change Financial Limited develops and commercializes payments management platform and payment testing solutions in Southeast Asia, the Oceania, Latin America, the United States, and internationally. It offers Vertexon Payments as a Service (PaaS), a physical, digital, and virtual card issuing and transaction processing platform; and PaySim, a payment testing and certification solutions. The company was formerly known as ChimpChange Limited and changed its name to Change Financial Limited in July 2017. Change Financial Limited was incorporated in 2011 and is based in Brisbane, Australia.

Source: TradingView
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Day Price Range
0.04
Low
0.04
High
52 Week Price Range
0.04
Low
0.10
High

Momentum Score

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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

Change Financial Ltd is an Australian-listed company that, based on public disclosures, operates in the financial-technology and payments sector. Long-term growth drivers may include rising digital payment adoption and expansion of partner and merchant relationships; investors may find the company attractive for exposure to fintech market growth if execution proceeds and company filings confirm strategy.

Key risks are limited public disclosure, execution and scaling challenges, strong competition, regulatory change and possible funding or profitability constraints.

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
0.04
Dividend Yield
-
Revenue TTM
18.22M
Revenue Per Share
0.03
Gross Profit TTM
6.36M
Debt / Equity
0.05
ROE
7.16%
Net Debt
-4.37M
ROCE
5.83%
Diluted EPS TTM
-

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 0.62M -0.88M -2.26M -2.62M -3.71M
Net income 0.50M -1.94M -2.57M -2.92M -3.77M
Selling general administrative 2.69M 2.33M 6.18M 5.72M 7.28M
Selling and marketing expenses 0.13M 0.19M 0.23M 0.12M 0.22M
Gross profit 2.99M 4.09M 3.89M -0.80M -2.88M
Reconciled depreciation - - 1.62M 1.28M 1.09M
Ebit 0.55M -0.85M -2.24M -2.55M -3.62M
Ebitda 2.95M -0.79M -0.62M -1.26M -2.53M
Depreciation and amortization 2.40M 0.06M 1.62M 1.28M 1.09M
Operating income 0.55M 0.42M -2.36M -3.81M -5.23M
Other operating expenses 17.97M 14.60M 10.10M 16.89M 17.27M
Interest expense 0.03M 0.03M 0.03M 0.08M 0.09M
Tax provision - -0.03M 0.31M 0.29M 0.06M
Interest income - 0.07M 0.13M 0.09M 0.10M
Net interest income - - 0.10M -0.07M -0.10M
Extraordinary items - -1.09M -1.49M - -
Income tax expense 0.07M 0.03M 0.31M 0.29M 0.06M
Total revenue 18.52M 15.02M 10.51M 8.64M 8.16M
Total operating expenses 2.44M 3.66M 3.42M 11.25M 11.93M
Cost of revenue 15.53M 10.93M 7.46M 9.44M 11.04M
Total other income expense net 0.07M -1.30M -1.23M 0.04M 0.16M
Net income from continuing ops - - -2.57M -2.92M -3.77M
Net income applicable to common shares - -1.94M -2.57M -2.92M -3.77M
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 16.13M 18.03M 12.94M 15.30M 10.35M
Intangible assets 5.92M 6.45M 6.74M 6.34M 5.99M
Other current assets 0.55M 4.02M 0.36M 0.43M 0.37M
Total liab 8.15M 11.04M 7.07M 6.86M 7.00M
Total stockholder equity 7.98M 6.99M 5.88M 8.44M 3.34M
Other current liab 3.65M 9.22M 1.26M 1.88M 1.97M
Common stock 53.38M 53.40M 50.50M 50.50M 42.52M
Capital stock - - - 50.50M 42.52M
Retained earnings -52.38M -51.39M -49.44M -46.87M -43.95M
Other liab - - - 1.03M 0.02M
Other assets - - 0.00M 0.43M 0.10M
Cash 4.81M 3.91M 2.59M 5.35M 1.50M
Cash and equivalents - - - - 1.50M
Total current liabilities 6.78M 9.73M 5.99M 5.77M 5.79M
Current deferred revenue 2.52M - 2.72M 3.29M 3.09M
Net debt -4.37M -3.48M -2.59M -5.21M -0.21M
Short term debt 0.13M 0.13M 1.43M 0.07M 0.10M
Short long term debt total 0.43M 0.42M - 0.14M 1.29M
Other stockholder equity - - 0.00M -5.44M 4.78M
Property plant equipment - - - 0.21M 0.32M
Total current assets 8.24M 10.09M 5.40M 8.32M 3.93M
Long term investments - - - 0.32M -
Net tangible assets - - - 2.09M -2.65M
Net receivables 2.89M 2.16M 2.06M 2.12M 1.79M
Long term debt - - - - 1.06M
Inventory - - 0.39M 0.41M 0.27M
Accounts payable 0.47M 0.38M 0.58M 0.52M 0.63M
Accumulated other comprehensive income 6.98M 4.97M 4.82M 4.81M 4.78M
Non currrent assets other 1.44M 0.98M -0.00M 0.00M -9.14M
Non current assets total 7.88M 7.94M 7.55M 6.98M 6.41M
Capital lease obligations - - - 0.14M 0.24M
Long term debt total - - - - 1.20M
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
Investments - - -2.09M -1.80M -1.26M
Change to liabilities - - - 1.31M 0.41M
Total cashflows from investing activities -2.20M -2.05M -2.09M -1.80M -1.26M
Net borrowings - - - -1.09M 0.76M
Total cash from financing activities -0.16M 2.76M -0.10M 6.89M 0.71M
Change to operating activities - - - -0.71M -0.29M
Net income 0.55M -1.94M -2.57M -4.38M -5.46M
Change in cash -2.23M 1.32M -2.76M 3.85M -2.52M
Begin period cash flow 7.04M 2.59M 5.35M 1.50M 4.02M
End period cash flow 4.81M 3.91M 2.59M 5.35M 1.50M
Total cash from operating activities 1.56M 0.80M -0.46M -1.59M -2.64M
Issuance of capital stock - - - 8.48M -
Depreciation 2.40M 2.00M 1.62M 0.21M 0.29M
Other cashflows from investing activities -0.48M -2.00M -2.05M -0.28M 0.17M
Dividends paid - - - - 6.99M
Change to inventory - - - 0.00M 0.00M
Change to account receivables -0.48M - - -0.44M 0.73M
Sale purchase of stock - 3.08M 0.00M -0.50M -0.50M
Other cashflows from financing activities -0.16M 2.90M -0.10M -0.10M 2.10M
Change to netincome - - - 0.01M 0.10M
Capital expenditures 0.05M 0.05M 1.92M 1.52M 1.43M
Change in working capital -1.84M -3.26M 0.16M 0.89M 1.09M
Stock based compensation - 0.24M 0.04M 0.06M 0.13M
Other non cash items 0.45M 3.76M 0.32M 2.51M 1.44M
Free cash flow 1.52M 0.75M -2.39M -3.12M -4.08M

Peer Comparison*

Sector: Technology Industry: Information Technology Services

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)
CCA
Change Financial Ltd		 0.00
2.44%		 0.04 - - 1.59 2.55 0.98 5.96
NXT
NEXTDC Ltd		 0.03
0.29%		 10.39 82.08 2000.00 15.09 0.81 15.00 20.30
DTL
Data 3 Ltd		 -0.11
0.72%		 15.07 42.51 32.68 2.55 23.86 2.17 23.03
MAQ
Macquarie Technology Group Ltd		 0.55
1.06%		 52.55 42.44 68.97 3.48 2.06 3.60 12.18
APX
Appen Ltd		 -0.01
0.44%		 1.13 - 9.25 1.20 2.11 0.64 9.35

Profile*

Change Financial Ltd

Change Financial Limited develops and commercializes payments management platform and payment testing solutions in Southeast Asia, the Oceania, Latin America, the United States, and internationally. It offers Vertexon Payments as a Service (PaaS), a physical, digital, and virtual card issuing and transaction processing platform; and PaySim, a payment testing and certification solutions. The company was formerly known as ChimpChange Limited and changed its name to Change Financial Limited in July 2017. Change Financial Limited was incorporated in 2011 and is based in Brisbane, Australia.

340 Adelaide Street, Brisbane, QLD, Australia, 4000

61 3 9661 8200

https://changefinancial.com

80

Name Title Year Born
Mr. Alastair Paterson Wilkie MD, CEO & Director 1959
Mr. Tony Sheehan Chief Financial Officer NA
Mr. Clayton Fossett Chief Operating Officer NA
Mr. Arnold Lee Chief Technology Officer NA
Mr. Vinnie D'Alessandro Chief Product Officer NA
Mr. John Nicholson VP of Fin. & Admin. NA
Mr. Nick Roberts Chief Marketing Officer NA
Ms. Akhila Iyer HR Mang. NA
Mr. Andrew Groat Head of Bus. Solutions NA
Mr. Ewan Wilson Head of Testing Solutions 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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