CNGFF (Change Financial) Days Payable: 0.00 (As of Dec. 2025)

What is Change Financial Days Payable?

Change Financial CNGFF +346.19% 35 Days Payable is 0.00 as of Dec. 2025. GuruFocus rates CNGFF with a GF Score™ of 35/100 and a GF Value™ of $0.05. The stock has 2 warning signs investors should review. Among 2,601 Software companies, Change Financial ranks worse than 38446.71% on this metric.

Change Financial's average Accounts Payable for the six months ended in Dec. 2025 was $2.64 Mil. Change Financial's Cost of Goods Sold for the six months ended in Dec. 2025 was $0.00 Mil.

The historical rank and industry rank for Change Financial's Days Payable or its related term are showing as below:

CNGFF's Days Payable is not ranked ^*
in the Software industry.
Industry Median: 54.01
* Ranked among companies with meaningful Days Payable only.

Change Financial's Days Payable stayed the same from Dec. 2024 (0.00) to Dec. 2025 (0.00).

Change Financial Days Payable Related Terms

Change Financial Days Payable Historical Data

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The historical data trend for Change Financial's Days Payable can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Change Financial Days Payable Chart

Change Financial Annual Data

Trend

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Jun25

Days Payable

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0.00

Change Financial Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
Days Payable	Get a 7-Day Free Trial															0.00	0.00	0.00	0.00	0.00

CNGFF vs IBM, ACN, FISV: Days Payable Comparison

For the Information Technology Services subindustry, Change Financial's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Change Financial Days Payable vs Software Industry

For the Software industry and Technology sector, Change Financial's Days Payable distribution charts can be found below:

* The bar in red indicates where Change Financial's Days Payable falls into.

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35GF Score

Change Financial Ltd CNGFF

Days Payable is just one metric. See GF Score™, valuation, warning signs, and more.

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Change Financial Days Payable Calculation

Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.

Change Financial's Days Payable for the fiscal year that ended in Jun. 2025 is calculated as

	Days Payable (A: Jun. 2025 )
=	Average Accounts Payable					/	Cost of Goods Sold	*	Days in Period
=	( (Accounts Payable (A: Jun. 2024 )	+	Accounts Payable (A: Jun. 2025 ))	/	count )	/	Cost of Goods Sold (A: Jun. 2025 )	*	Days in Period
=	( (0.582	+	4.217)	/	2 )	/	0	*	365
=	2.3995					/	0	*	365
=	N/A

Change Financial's Days Payable for the quarter that ended in Dec. 2025 is calculated as:

	Days Payable (Q: Dec. 2025 )
=	Average Accounts Payable					/	Cost of Goods Sold	*	Days in Period
=	( (Accounts Payable (Q: Jun. 2025 )	+	Accounts Payable (Q: Dec. 2025 ))	/	count )	/	Cost of Goods Sold (Q: Dec. 2025 )	*	Days in Period
=	( (4.217	+	1.064)	/	2 )	/	0	*	365 / 2
=	2.6405					/	0	*	365 / 2
=	N/A

Frequently Asked Questions Learn more about Days Payable →

What does a Days Payable of 0.00 mean?

Change Financial (CNGFF) has a Days Payable of 0.00 as of Dec. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Change Financial and its competitors. According to the industry distribution chart, Change Financial ranks #999999 out of 2601 companies in the Software industry.

Is Change Financial's Days Payable too high?

Change Financial's current Days Payable is 0.00. Based on the distribution chart, Change Financial ranks #999999 out of 2601 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Change Financial has a GF Score™ of 35/100, reflecting its overall financial health beyond just this single metric.

How does Change Financial's Days Payable compare to IBM and ACN?

According to the Software industry distribution chart, Change Financial ranks #999999 out of 2601 companies for Days Payable. This places Change Financial in the lower half of its industry. The industry median Days Payable is 54.01. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good Days Payable for a Software company?

The median Days Payable among Software companies is 54.01, based on 2,601 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high Days Payable mean?

A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Change Financial and its competitors. For the Software industry, the median Days Payable is 54.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Change Financial's current Days Payable is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Change Financial stock overvalued right now?

Change Financial (CNGFF) has a current Days Payable of 0.00. The stock's GF Value™ is $0.05, compared to a current price of $0.05 — trading 6.3% below its estimated fair value. The current Days Payable is 0.00. Change Financial's overall GF Score™ is 35/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is Days Payable calculated?

Days Payable is calculated from a company's financial statements. For Change Financial (CNGFF), the current Days Payable is 0.00 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Change Financial (CNGFF) Overvalued in 2026?

Based on GuruFocus' analysis, Change Financial stock appears to be undervalued. The current stock price of $0.05 is trading 6.3% below its estimated GF Value™ of $0.05.

Key valuation signals for CNGFF:

Days Payable: 0.00
GF Value™: $0.05 vs. price of $0.05 (6.3% below fair value)
GF Score™: 35/100 with 2 warning signs

No single metric tells the full story. See the CNGFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Change Financial Business Description

Industry Technology Software

Comparable Companies ASX:KYP ASX:CCG ASX:ITS ASX:COS ASX:ASV ASX:CCR ASX:ATV ASX:DXN ASX:5GN ASX:REM IBM NSE:TCS ACN NSE:INFY TSE:6702 TSE:6701 NSE:HCLTECH FISV XMAD:AMS FIS

Other Exchanges CCA:Australia

Address 340 Adelaide Street, Suite 3E, Level 3, Brisbane, QLD, AUS, 4000

Website https://www.changefinancial.com

Change Financial Ltd is a fintech company. It develops payment processors and provides mobile banking services through its mobile application. The company operates in a single segment, that is the development and provision of card payment software and services. The company serves business and financial institutions.

35GF Score

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$0.05

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GF Value

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