CNGFF — Stock Film
STOCK FILMSCENE 1/11CNGFF · $0.05
Stock Expert AI presents
CNGFF
Change Financial Limited
~4 min film100% real numbersplain English
WHAT DOES THIS COMPANY DO?
Change Financial Limited. What it actually does.

Provides comprehensive payment-as-a-service (PaaS) solutions for businesses. Offers the Vertexon PaaS platform for issuing both physical and virtual payment cards. Now — the numbers.

on the stock market since 2018
79 employees
$32.3M market value
Revenue last year:
$18.5M
The net profit left over:
$502K
Out of every $100 in sales, $3 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 3%

This is an established company with proven profits.

THE SALES TREND
Sales are growing, year after year.

Average growth of 22% a year over the last 4 years. Red columns mark years that ended in a loss.

$8.3M
2022
2023
2024
2025
$18.5M
2026
Cash on hand:
$4.8M
Total debt:
$432K
The cash outweighs the debt.

If every debt were paid off today, $4.4M would still be left in the vault — a solid cushion for hard times.

THE PRICE TAG
MARKET VALUE / ANNUAL PROFIT
64.5×

The market pays 64.5× for every dollar this company earns in a year — a price that already assumes things go well.

No analyst target is on record for this company.

THE COUNCIL REVIEW
9

angles, checked one by one.

The 2 that stand out are on screen; the rest came back neutral.

The council scores out of 10; report-card grades are out of 100.

WEAK SPOTS
The stock has lost its spark0/10
Costs eat into the margin4/10
WORTH WATCHING

Cost Efficiency: As sales grow, profit fails to keep the same pace.

THE FIVE-YEAR JOURNEY
A big climb, then a hard fall.

An investor who bought at the very peak is down 69% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.

1
THE BRIGHT SIDE · 1/2
Sales keep climbing

Over the last 4 years, sales grew about 22% a year on average.

2
THE BRIGHT SIDE · 2/2
Strong cash, light debt

There is $4.8M in the vault; even if every debt were paid off, $4.4M would remain.

1
THE RISKS · 1/2
Trading under $1

The stock sits at $0.05. Under exchange rules, stocks that stay below $1 for too long risk being removed from the market.

2
THE RISKS · 2/2
A rich price tag

The company’s market value is 64 times its annual profit. Even a small disappointment could hit the price hard.

FINALE · THE GRADE
grade pending

No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.

One-line summary: few numbers, an untested story. Keep watching.

What would you like to do next?
Open the stock page →

Not covered, because the filings we hold do not carry it: the revenue breakdown.

This was a film — not investment advice.
Data: FMP & company filings
Sep 11, 2026 · stockexpertai.com · Stock Film