Change Financial (ASX:CCA) 3-Year RORE % : -58.33% (As of Dec. 2025)


What is Change Financial 3-Year RORE %?

Change Financial ASX:CCA -3.95% 3-Year RORE % is -58.33 as of Dec. 2025. The stock has 2 warning signs investors should review. Among 2,538 Software companies, Change Financial ranks worse than 81.76% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. Change Financial's 3-Year RORE % for the quarter that ended in Dec. 2025 was -58.33%.

The industry rank for Change Financial's 3-Year RORE % or its related term are showing as below:

ASX:CCA's 3-Year RORE % is ranked worse than
81.76% of 2538 companies
in the Software industry
Industry Median: 2.99 vs ASX:CCA: -58.33

Change Financial  (ASX:CCA) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


Change Financial 3-Year RORE % Related Terms


Change Financial 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Change Financial's 3-Year RORE % 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 3-Year RORE % Chart

Change Financial Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -45.05 -38.71 -12.12 -21.43 -21.05

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
3-Year RORE % 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 -25.81 -21.43 -16.67 -21.05 -58.33

ASX:CCA vs IBM, ACN, FISV: 3-Year RORE % Comparison

For the Information Technology Services subindustry, Change Financial's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Software Industry

For the Software industry and Technology sector, Change Financial's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Change Financial's 3-Year RORE % falls into.



Change Financial 3-Year RORE % Calculation

Change Financial's 3-Year RORE % for the quarter that ended in Dec. 2025 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 0.001--0.006 )/( -0.012-0 )
=0.007/-0.012
=-58.33 %

* 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.

In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of -58.33 mean?
Change Financial (ASX:CCA) has a 3-Year RORE % of -58.33 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Change Financial and its competitors. According to the industry distribution chart, Change Financial ranks #2075 out of 2538 companies in the Software industry, placing it in the top 81.8%.
Is Change Financial's 3-Year RORE % too high?
Change Financial's current 3-Year RORE % is -58.33. Based on the distribution chart, Change Financial ranks #2075 out of 2538 companies in the Software industry, which is in the bottom quartile relative to peers.
How does Change Financial's 3-Year RORE % compare to IBM and ACN?
According to the Software industry distribution chart, Change Financial ranks #2075 out of 2538 companies for 3-Year RORE %. This places Change Financial in the lower half of its industry. The industry median 3-Year RORE % is 2.99. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Software company?
The median 3-Year RORE % among Software companies is 2.99, based on 2,538 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Change Financial and its competitors. For the Software industry, the median 3-Year RORE % is 2.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Change Financial's current 3-Year RORE % is -58.33. 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$0.07 — trading 18.9% below its estimated fair value. The current 3-Year RORE % is -58.33. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Change Financial (ASX:CCA), the current 3-Year RORE % is -58.33 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.