We feel now is a pretty good time to analyse Change Financial Limited’s (ASX:CCA) business as it appears the company may be on the cusp of a considerable accomplishment. Change Financial Limited develops and commercializes payments management platform and payment testing solutions in South East Asia, Oceania, Latin America, the United States, and internationally. The AU$49m market-cap company announced a latest loss of US$849k on 30 June 2025 for its most recent financial year result. Many investors are wondering about the rate at which Change Financial will turn a profit, with the big question being “when will the company breakeven?” Below we will provide a high-level summary of the industry analysts’ expectations for the company.
Change Financial is bordering on breakeven, according to the 2 Australian Diversified Financial analysts. They expect the company to post a final loss in 2025, before turning a profit of US$1.2m in 2026. Therefore, the company is expected to breakeven roughly a year from now or less! How fast will the company have to grow to reach the consensus forecasts that anticipate breakeven by 2026? Working backwards from analyst estimates, it turns out that they expect the company to grow 70% year-on-year, on average, which is extremely buoyant. If this rate turns out to be too aggressive, the company may become profitable much later than analysts predict.
Given this is a high-level overview, we won’t go into details of Change Financial’s upcoming projects, however, take into account that by and large a high growth rate is not out of the ordinary, particularly when a company is in a period of investment.
See our latest analysis for Change Financial
Before we wrap up, there’s one aspect worth mentioning. Change Financial currently has no debt on its balance sheet, which is quite unusual for a cash-burning growth company, which typically has high debt relative to its equity. This means that the company has been operating purely on its equity investment and has no debt burden. This aspect reduces the risk around investing in the loss-making company.
There are too many aspects of Change Financial to cover in one brief article, but the key fundamentals for the company can all be found in one place – Change Financial’s company page on Simply Wall St. We’ve also compiled a list of pertinent factors you should further examine:
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Historical Track Record: What has Change Financial’s performance been like over the past? Go into more detail in the past track record analysis and take a look at the free visual representations of our analysis for more clarity.
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Management Team: An experienced management team on the helm increases our confidence in the business – take a look at who sits on Change Financial’s board and the CEO’s background.
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Other High-Performing Stocks: Are there other stocks that provide better prospects with proven track records? Explore our free list of these great stocks here.
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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.