Change Financial (ASX:CCA) FCF Margin %: -8.92% (As of Dec. 2025)


What is Change Financial FCF Margin %?

Change Financial ASX:CCA +2.56% FCF Margin % is -8.92% as of Dec. 2025. The stock has 2 warning signs investors should review. Among 2,815 Software companies, Change Financial ranks worse than 61.46% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Change Financial's Free Cash Flow for the six months ended in Dec. 2025 was A$-1.24 Mil. Change Financial's Revenue for the six months ended in Dec. 2025 was A$13.89 Mil. Therefore, Change Financial's FCF Margin % for the quarter that ended in Dec. 2025 was -8.92%.

As of today, Change Financial's current FCF Yield % is -1.35%.

The historical rank and industry rank for Change Financial's FCF Margin % or its related term are showing as below:

ASX:CCA' s FCF Margin % Range Over the Past 10 Years
Min: -69283.33   Med: -39.89   Max: -2.81
Current: -2.81

During the past 10 years, the highest FCF Margin % of Change Financial was -2.81%. The lowest was -69283.33%. And the median was -39.89%.

ASX:CCA's FCF Margin % is ranked worse than
61.46% of 2815 companies
in the Software industry
Industry Median: 2.41 vs ASX:CCA: -2.81

Change Financial FCF Margin % Related Terms

Change Financial FCF Margin % Historical Data

* Premium members only.

The historical data trend for Change Financial's FCF Margin % 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 FCF Margin % Chart

Change Financial Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -39.83 -39.94 -29.90 -22.69 -5.17

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
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -46.93 -5.24 -15.48 4.30 -8.92

ASX:CCA vs IBM, ACN, FISV: FCF Margin % Comparison

For the Information Technology Services subindustry, Change Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Software Industry

For the Software industry and Technology sector, Change Financial's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Change Financial's FCF Margin % falls into.


Change Financial FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

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

FCF Margin=Free Cash Flow (A: Jun. 2025 )/Revenue (A: Jun. 2025 )
=-1.184/22.916
=-5.17 %

Change Financial's FCF Margin for the quarter that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=-1.238/13.885
=-8.92 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of -8.92% mean?
Change Financial (ASX:CCA) has a FCF Margin % of -8.92% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Change Financial and its competitors. According to the industry distribution chart, Change Financial ranks #1730 out of 2815 companies in the Software industry, placing it in the top 61.5%.
Is Change Financial's FCF Margin % too high?
Change Financial's current FCF Margin % is -8.92%. Based on the distribution chart, Change Financial ranks #1730 out of 2815 companies in the Software industry, which is below the industry midpoint.
How does Change Financial's FCF Margin % compare to IBM and ACN?
According to the Software industry distribution chart, Change Financial ranks #1730 out of 2815 companies for FCF Margin %. This places Change Financial in the lower half of its industry. The industry median FCF Margin % is 2.41. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Software company?
The median FCF Margin % among Software companies is 2.41, based on 2,815 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Change Financial and its competitors. For the Software industry, the median FCF Margin % is 2.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Change Financial's current FCF Margin % is -8.92%. 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?
Based on GuruFocus' analysis, Change Financial (ASX:CCA) is currently considered Modestly Undervalued. The stock's GF Value™ is A$0.09, compared to a current price of A$0.08 — trading 11.1% below its estimated fair value. The current FCF Margin % is -8.92%. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Change Financial (ASX:CCA), the current FCF Margin % is -8.92% 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.

Change Financial Business Description

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