CNGFF (Change Financial) ROCE %: 15.37% (As of Dec. 2025)


CNGFF Change Financial Ltd CNGFF
35 GF Score
Price $0.05
GF Value $0.05
! 2 Warning Signs
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What is Change Financial ROCE %?

Change Financial CNGFF +346.19% 35 ROCE % is 15.37% 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Change Financial's annualized ROCE % for the quarter that ended in Dec. 2025 was 15.37%.

Change Financial  (OTCPK:CNGFF) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Change Financial ROCE % Related Terms

Change Financial ROCE % Historical Data

* Premium members only.

The historical data trend for Change Financial's ROCE % 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 ROCE % Chart

Change Financial Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
ROCE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -60.02 -61.00 -36.12 -27.24 -11.19

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
ROCE % 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 -32.49 -21.75 -38.96 15.02 15.37
CNGFF
35GF Score
Change Financial Ltd CNGFF
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Change Financial ROCE % Calculation

Change Financial's annualized ROCE % for the fiscal year that ended in Jun. 2025 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Jun. 2025 )  (A: Jun. 2024 )(A: Jun. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Jun. 2025 )  (A: Jun. 2024 )(A: Jun. 2025 )
=-0.853/( ( (12.944 - 5.995) + (18.03 - 9.731) )/ 2 )
=-0.853/( (6.949+8.299)/ 2 )
=-0.853/7.624
=-11.19 %

Change Financial's ROCE % of for the quarter that ended in Dec. 2025 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Dec. 2025 )  (Q: Jun. 2025 )(Q: Dec. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Dec. 2025 )  (Q: Jun. 2025 )(Q: Dec. 2025 )
=1.33/( ( (18.03 - 9.731) + (16.971 - 7.965) )/ 2 )
=1.33/( ( 8.299 + 9.006 )/ 2 )
=1.33/8.6525
=15.37 %

(1) Note: The EBIT data used here is two times the semi-annual (Dec. 2025) EBIT data.

* 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 ROCE % →
What does a ROCE % of 15.37% mean?
Change Financial (CNGFF) has a ROCE % of 15.37% as of Dec. 2025.
Is Change Financial's ROCE % too high?
Change Financial's current ROCE % is 15.37%. The Software industry median ROCE % is 5.19. Change Financial's value of 15.37% is 196.1% above this industry median. 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 ROCE % compare to IBM and ACN?
Change Financial's ROCE % of 15.37% can be compared against companies in the Software industry. The industry median ROCE % is 5.19. Change Financial's value of 15.37% is 196.1% 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 ROCE % for a Software company?
The median ROCE % among Software companies is 5.19, based on 2,709 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Change Financial's current ROCE % of 15.37% is 196.1% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median ROCE % is 5.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Change Financial's current ROCE % is 15.37%. 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 ROCE % of 15.37%. 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 ROCE % is 15.37% and 196.1% above the Software industry median of 5.19. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Change Financial (CNGFF), the current ROCE % is 15.37% 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:

  • ROCE %: 15.37%
  • GF Value™: $0.05 vs. price of $0.05 (6.3% below fair value)
  • GF Score™: 35/100 with 2 warning signs
  • Industry Position: 196.1% above the Software median

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

Other Exchanges CCA:Australia
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.
35GF Score

Get the complete analysis for CNGFF

ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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