Change Financial (ASX:CCA) Pre-Tax Income: A$0.93 Mil (TTM As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

What is Change Financial Pre-Tax Income?

Change Financial ASX:CCA Pre-Tax Income is A$0.93 Mil as of Jun. 2026. The stock has 3 warning signs investors should review.

Pretax income is the income that a company earns before paying income taxes. Change Financial's pretax income for the six months ended in Jun. 2026 was A$-0.06 Mil. Its pretax income for the trailing twelve months (TTM) ended in Jun. 2026 was A$0.93 Mil. Change Financial's pretax margin was -0.51%.

During the past 13 years, Change Financial's highest Pretax Margin was 3.44%. The lowest was -84833.33%. And the median was -49.59%.


Change Financial  (ASX:CCA) Pre-Tax Income Explanation

Change Financial's Pretax Margin for the quarter that ended in Jun. 2026 is calculated as

Pretax Margin=Pretax Income/Revenue
=-0.064681222223433/12.661191607462
=-0.51%

During the past 13 years, Change Financial's highest Pretax Margin was 3.44%. The lowest was -84833.33%. And the median was -49.59%.

* 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 Pre-Tax Income Related Terms


Change Financial Pre-Tax Income Historical Data

* Premium members only.

The historical data trend for Change Financial's Pre-Tax Income 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 Pre-Tax Income Chart

Change Financial Annual Data
Trend Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25 Jun26
Pre-Tax Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only -5.12 -3.90 -1.17 -1.35 0.89

Change Financial Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Pre-Tax Income 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 -1.24 -1.01 0.96 0.99 -0.06

ASX:CCA vs IBM, ACN, CTSH: Pre-Tax Income Comparison

For the Information Technology Services subindustry, Change Financial's Pre-Tax Income, along with its competitors' market caps and Pre-Tax Income 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 Pre-Tax Income vs Software Industry

For the Software industry and Technology sector, Change Financial's Pre-Tax Income distribution charts can be found below:

* The bar in red indicates where Change Financial's Pre-Tax Income falls into.



Change Financial Pre-Tax Income Calculation

This is the income that a company earns before paying income taxes.

Change Financial's Pretax Income for the fiscal year that ended in Jun. 2026 is calculated as

Pretax Income=Operating Income+Non Operating Income+Interest Expense+Interest Income+Other
=0.78759140002214++-0.044749075348744+0.14893976287214+3.9968028886506E-15
=0.89

Change Financial's Pretax Income for the quarter that ended in Jun. 2026 is calculated as

Pretax Income=Operating Income+Non Operating Income+Interest Expense+Interest Income+Other
=-0.098189742114321++-0.020793188843553+0+0.054301708734441
=-0.06

Pre-Tax Income for the trailing twelve months (TTM) ended in Jun. 2026 adds up the semi-annually data reported by the company within the most recent 12 months, which was A$0.93 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.

Frequently Asked Questions Learn more about Pre-Tax Income →
What does a Pre-Tax Income of A$0.93 Mil mean?
Change Financial (ASX:CCA) has a Pre-Tax Income of A$0.93 Mil as of Jun. 2026. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on Change Financial and its competitors.
Is Change Financial's Pre-Tax Income too high?
Change Financial's current Pre-Tax Income is A$0.93 Mil.
How does Change Financial's Pre-Tax Income compare to IBM and ACN?
Change Financial's Pre-Tax Income of A$0.93 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Pre-Tax Income for a Software company?
A good Pre-Tax Income depends on the Software industry context. However, Pre-Tax Income 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 Pre-Tax Income mean?
A high Pre-Tax Income can signal that a stock is expensive relative to its fundamentals. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on Change Financial and its competitors. Change Financial's current Pre-Tax Income is A$0.93 Mil. 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 Possible Value Trap. The stock's GF Value™ is A$0.09, compared to a current price of A$0.04 — trading 55.6% below its estimated fair value. The current Pre-Tax Income is A$0.93 Mil. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pre-Tax Income calculated?
Pre-Tax Income is calculated from a company's financial statements. For Change Financial (ASX:CCA), the current Pre-Tax Income is A$0.93 Mil as of Jun. 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.

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.