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About the company
Change Financial Ltd is an Australia-based global fintech company. The Company leverages scalable technology to provide payment solutions, card issuing and testing to banks and fintechs. Its principal activity includes commercialization and ongoing development of its payments management platform and payment testing solution. Its core products include Vertexon Payments as a Service (PaaS) and PaySim. Vertexon (PaaS) integrates with the core systems of banks and fintechs, enabling the delivery of physical, digital, and virtual card solutions to their customers. It includes integrated features such as Apple Pay, Google Pay, Samsung Pay and Buy Now Pay Later (BNPL) services. PaySim is a payment testing solution, which enables banks and fintechs to complete end-to-end testing of their payment platforms and processes from a desktop. It also provides the default standard for payments testing for many Australian companies, including Australia’s domestic card payment service EFTPO.
- Revenue in AUD (TTM)13.35m
- Net income in AUD-3.76m
- Incorporated2011
- Employees--
- LocationChange Financial LtdSuite 3E, Level 3,, 340 Adelaide StBRISBANE 4000AustraliaAUS
- Phone+61 39661-8200
- Fax+61 29287-0350
- Websitehttps://changefinancial.com/
Peer analysis
- Key Information
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- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credit Intelligence Ltd | 14.33m | -14.63m | 9.68m | -- | -- | 1.13 | -- | 0.676 | -0.1728 | -0.1779 | 0.1699 | 0.097 | 0.6331 | -- | 11.98 | -- | -65.62 | 0.3538 | -87.97 | 0.5211 | -- | -- | -103.66 | 0.6489 | -- | -13.07 | 0.0587 | -- | 5.86 | 28.25 | -585.63 | -- | -16.72 | -- |
N1 Holdings Ltd | 15.52m | 733.89k | 13.65m | -- | 18.61 | 11.85 | 12.07 | 0.8793 | 0.0083 | 0.0083 | 0.1763 | 0.0131 | 0.1667 | -- | 5.41 | -- | 0.7881 | -1.91 | 1.77 | -2.98 | 94.16 | 85.69 | 4.73 | -8.37 | -- | 1.06 | 0.989 | -- | 32.57 | 30.95 | -51.09 | -- | 9.68 | -- |
Butn Ltd | 13.33m | -6.73m | 14.25m | -- | -- | 0.8261 | -- | 1.07 | -0.0344 | -0.0344 | 0.0679 | 0.0617 | 0.1428 | -- | 0.1674 | -- | -7.21 | -- | -8.54 | -- | -- | -- | -50.48 | -- | -- | 0.1433 | 0.8626 | -- | 112.02 | -- | 24.61 | -- | -- | -- |
Change Financial Ltd | 13.35m | -3.76m | 31.38m | -- | -- | 3.01 | -- | 2.35 | -0.0061 | -0.0061 | 0.0217 | 0.0166 | 0.7222 | -- | 5.82 | -- | -20.34 | -49.15 | -36.18 | -89.48 | -- | -- | -28.16 | -78.85 | -- | -58.55 | 0.0309 | -- | 5.97 | 54.01 | 22.56 | -- | 39.39 | -- |
Harmoney Corp Ltd | 116.34m | -4.80m | 41.81m | 80.00 | -- | 0.9184 | -- | 0.3594 | -0.0511 | -0.0511 | 1.44 | 0.4464 | 0.1503 | -- | 45.04 | -- | -0.6194 | -- | -0.6241 | -- | 59.08 | -- | -4.12 | -- | -- | -18.90 | 0.9421 | -- | 53.08 | -- | 59.62 | -- | -- | -- |
BNK Banking Corporation Ltd | 83.63m | -3.07m | 42.74m | -- | -- | 0.3389 | -- | 1.89 | -0.0258 | -0.0258 | 0.1909 | 1.06 | -- | -- | -- | -- | -0.1705 | -0.2363 | -- | -- | -- | -- | -13.53 | -2.15 | -- | -- | -- | -- | 200.00 | 49.98 | 68.24 | -- | -- | -- |
Earlypay Ltd | 57.00m | -326.00k | 50.74m | 44.00 | -- | 0.6721 | 46.25 | 0.8902 | -0.0012 | -0.0012 | 0.1955 | 0.2604 | 0.1291 | -- | 0.2619 | -- | -0.0738 | 1.44 | -0.1458 | 2.96 | 78.47 | 95.61 | -0.572 | 9.43 | -- | 1.25 | 0.785 | 99.80 | 13.56 | 5.50 | -158.56 | -- | 42.20 | -- |
Moneyme Ltd | 225.30m | 9.66m | 51.21m | -- | 3.78 | 0.2961 | 2.49 | 0.2273 | 0.0169 | 0.0169 | 0.3831 | 0.2162 | 0.1704 | -- | 29.22 | -- | 0.7307 | -1.62 | 0.7338 | -1.64 | 96.25 | -- | 4.29 | -8.55 | -- | 1.61 | 0.8637 | -- | 66.96 | 58.27 | 124.39 | 76.32 | 89.66 | -- |
WISR Ltd | 96.73m | -8.29m | 53.49m | 32.00 | -- | 0.9946 | -- | 0.553 | -0.0062 | -0.0062 | 0.0728 | 0.0392 | 0.1006 | -- | 71.52 | -- | -0.8621 | -4.12 | -0.865 | -4.17 | -- | -- | -8.57 | -43.44 | -- | 0.84 | 0.9426 | -- | 54.66 | 125.06 | 33.92 | -- | -- | -- |
Prospa Group Ltd | 279.78m | -33.34m | 66.63m | -- | -- | 0.658 | -- | 0.2382 | -0.2043 | -0.2043 | 1.72 | 0.6156 | 0.3033 | -- | -- | -- | -3.61 | -3.40 | -3.67 | -3.57 | 75.87 | 83.64 | -11.92 | -12.03 | -- | -15.74 | 0.8835 | -- | 61.91 | 22.06 | -767.01 | -- | 25.19 | -- |
FSA Group Ltd | 89.17m | 8.20m | 111.03m | 106.00 | 13.60 | 1.28 | 10.38 | 1.25 | 0.0673 | 0.0673 | 0.7321 | 0.7166 | 0.124 | -- | -- | 841,244.10 | 1.30 | 3.16 | 1.33 | 3.26 | 55.57 | 79.30 | 10.45 | 22.04 | -- | -- | 0.8726 | 47.48 | 19.19 | 0.562 | -24.53 | 0.6105 | 5.66 | 0.00 |
Plenti Group Ltd | 210.99m | -14.71m | 130.97m | -- | -- | 4.98 | -- | 0.6207 | -0.085 | -0.085 | 1.18 | 0.1507 | 0.1012 | -- | 2,131.24 | -- | -0.7056 | -1.15 | -0.7073 | -1.16 | 89.23 | 89.46 | -6.97 | -12.26 | -- | -- | 0.9881 | -- | 47.08 | 48.87 | -8.29 | -- | -23.07 | -- |