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This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Change Financial's Enterprise Value for the quarter that ended in Jun. 2026 was $31.98 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Change Financial's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 was $0.63 Mil.
* 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 EV-to-EBIT Related Terms
Change Financial EV-to-EBIT Historical Data
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The historical data trend for Change Financial's EV-to-EBIT 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.
For the Information Technology Services subindustry, Change Financial's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Software Industry
For the Software industry and Technology sector, Change Financial's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Change Financial's EV-to-EBIT falls into.
Change Financial's current Enterprise Value is $18.07 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Change Financial's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 was $0.63 Mil.
* 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 (CNGFF) has a EV-to-EBIT of 28.48 as of Sep. 20, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Change Financial and its competitors. According to the industry distribution chart, Change Financial ranks #1243 out of 1775 companies in the Software industry, placing it in the top 70%.
Is Change Financial's EV-to-EBIT too high?
Change Financial's current EV-to-EBIT is 28.48. The Software industry median EV-to-EBIT is 13.85. Change Financial's value of 28.48 is 105.6% above this industry median. Based on the distribution chart, Change Financial ranks #1243 out of 1775 companies in the Software industry, which is below the industry midpoint. 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 EV-to-EBIT compare to IBM and ACN?
According to the Software industry distribution chart, Change Financial ranks #1243 out of 1775 companies for EV-to-EBIT. This places Change Financial in the lower half of its industry. The industry median EV-to-EBIT is 13.85. Change Financial's value of 28.48 is 105.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBIT for a Software company?
The median EV-to-EBIT among Software companies is 13.85, based on 1,775 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Change Financial's current EV-to-EBIT of 28.48 is 105.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Change Financial and its competitors. For the Software industry, the median EV-to-EBIT is 13.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Change Financial's current EV-to-EBIT is 28.48. 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 EV-to-EBIT of 28.48. The stock's GF Value™ is $0.10, compared to a current price of $0.05 — trading 53.2% below its estimated fair value. The current EV-to-EBIT is 28.48 and 105.6% above the Software industry median of 13.85. Change Financial's overall GF Score™ is 35/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Change Financial (CNGFF), the current EV-to-EBIT is 28.48 as of Sep. 20, 2026. 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 53.2% below its estimated GF Value™ of $0.10.
Key valuation signals for CNGFF:
EV-to-EBIT: 28.48
GF Value™: $0.10 vs. price of $0.05 (53.2% below fair value)
Industry Position: 105.6% above the Software median (#1243 of 1775)
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 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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EV-to-EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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