Change Financial Ltd (CCA) — Defensive Interval Ratio

Latest as of December 2025: 268 days

Change Financial Ltd (CCA) has a Defensive Interval Ratio of 268 days as of December 2025. Defensive assets of AU$5.84 Million (cash AU$2.56 Million, short-term investments AU$-, receivables AU$3.29 Million) cover 268 days of daily cash needs of AU$21.82K/day. See Change Financial Ltd short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.

Defensive Interval Ratio

268 days
Days of operational coverage

Defensive Assets

AU$5.84 Million
Cash + ST Investments + Receivables

Daily Cash Need

AU$21.82K
Current Liabilities ÷ 365

Current Liabilities

AU$7.96 Million
AUD

Change Financial Ltd Defensive Interval Ratio (2014–2025)

This chart shows how Change Financial Ltd's Defensive Interval Ratio has evolved across 12 annual periods from 2014 to 2025. As of December 2025, the ratio stands at 268 days, meaning defensive assets of AU$5.84 Million can fund 268 days of operations without new revenue. See CCA net asset quality score to measure how much of total assets are equity-financed.

Annual Defensive Interval Ratio for Change Financial Ltd (2014–2025)

The table below presents the year-by-year Defensive Interval Ratio for Change Financial Ltd from 2014 to 2025, covering 12 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see CCA company net worth.

Year DIR (days) Defensive Assets (AUD) Daily Cash Need Cash ST Investments Change (days)
2025 81 days AU$2.16 Million AU$26.66K/day AU$- AU$- ▼ -44 days
2024 125 days AU$2.06 Million AU$16.42K/day AU$- AU$- ▼ -9 days
2023 134 days AU$2.12 Million AU$15.80K/day AU$- AU$- ▼ -73 days
2022 208 days AU$3.29 Million AU$15.85K/day AU$1.50 Million AU$- ▼ -224 days
2021 431 days AU$6.38 Million AU$14.79K/day AU$4.02 Million AU$- ▲ +294 days
2020 137 days AU$393.86K AU$2.88K/day AU$- AU$- ▲ +122 days
2019 15 days AU$57.83K AU$3.97K/day AU$- AU$- ▼ -43 days
2018 58 days AU$109.66K AU$1.90K/day AU$- AU$- ▲ +0 days
2017 58 days AU$85.00K AU$1.47K/day AU$- AU$0.00 ▼ -23 days
2016 81 days AU$107.00K AU$1.32K/day AU$- AU$0.00 ▲ +81 days
2015 0 days AU$210.00 AU$2.29K/day AU$- AU$- ▼ -9 days
2014 9 days AU$262.00 AU$29.99/day AU$- AU$- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)