CCA.ASX: Q4 FY26 Quarterly Activities Report & 4C

Q4 FY26 Quarterly Activities Report & 4C

Stock	Change Financial Ltd (CCA.ASX)
Release Time	24 Jul 2026, 8:20 a.m.
Price Sensitive	Yes

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Change Financial Ltd Reports Strong Q4 FY26 Results

Key Points

Positive net cash flow from operating activities of US$0.6m in Q4 FY26
Q4 FY26 revenue of US$4.6m, up 16% year-over-year
FY26 revenue of US$18.2m, up 21% year-over-year
Strong momentum in PaaS business with 150k+ active cards
Gross margin expansion of 600 bps in FY26

Full Summary

Change Financial Ltd released its Q4 FY26 Quarterly Activities Report, highlighting positive net cash flow from operating activities of US$0.6m. The company reported Q4 FY26 revenue of US$4.6m, up 16% year-over-year, and FY26 revenue of US$18.2m, up 21% year-over-year. The PaaS business saw significant growth with over 150,000 active cards, up 104% year-over-year. Gross margins expanded by 600 basis points in FY26, reflecting scaling benefits. The company also achieved a 3-year Compound Annual Growth Rate (CAGR) of 28%. Change Financial Ltd expects growth in FY27 to be driven by its PaaS and PaySim businesses.

Guidance

FY26 revenue US$18.2m, Underlying EBITDA US$3.3m

Outlook

Change Financial Ltd expects growth in FY27 to be driven by its PaaS and PaySim businesses, with a focus on migrating On-Premises clients to the cloud version of Vertexon.