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Credit Clear Limited
(Sydney:CCR)
Credit Clear Limited (CCR) vs. iShares MSCI Australia ETF (EWA)
Credit Clear Limited Business Overview & Revenue Model
Credit Clear Limited Financial Statement Overview
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 46.95M | 46.95M | 42.00M | 34.95M | 21.46M | 10.98M |
| Gross Profit | 21.68M | 21.68M | -1.12M | -5.70M | -9.38M | -4.47M |
| EBITDA | 1.39M | 1.39M | 2.46M | -4.83M | -10.50M | -6.27M |
| Net Income | 3.54M | 3.54M | -4.50M | -11.06M | -11.13M | -8.02M |
Balance Sheet | ||||||
| Total Assets | 85.36M | 85.36M | 78.08M | 76.84M | 74.38M | 22.33M |
| Cash, Cash Equivalents and Short-Term Investments | 15.68M | 15.68M | 18.82M | 16.07M | 14.37M | 11.40M |
| Total Debt | 3.93M | 3.93M | 4.27M | 5.14M | 1.67M | 1.10M |
| Total Liabilities | 21.08M | 21.08M | 18.81M | 15.56M | 13.99M | 5.98M |
| Stockholders Equity | 64.28M | 64.28M | 59.27M | 61.29M | 60.39M | 16.35M |
Cash Flow | ||||||
| Free Cash Flow | 5.42M | 5.42M | 2.16M | -4.54M | -7.36M | -4.54M |
| Operating Cash Flow | 5.79M | 5.79M | 3.69M | -2.78M | -5.93M | -3.97M |
| Investing Cash Flow | -1.88M | -1.88M | -2.20M | -2.04M | -29.30M | -855.00K |
| Financing Cash Flow | -1.37M | -1.37M | -346.00K | 6.62M | 34.69M | 13.38M |
Credit Clear Limited Technical Analysis
Credit Clear Limited Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | AU$92.81M | 11.64 | 10.79% | 4.66% | 14.59% | -11.13% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
61 Neutral | AU$120.29M | 29.76 | 5.74% | ― | 11.72% | ― | |
56 Neutral | AU$105.02M | 81.48 | 4.26% | ― | 11.90% | 42.11% | |
46 Neutral | AU$37.13M | -42.50 | -1.89% | 3.45% | 2.06% | -277.78% | |
41 Neutral | AU$341.56M | -6.10 | -32.98% | ― | -5.87% | -540.18% | |
37 Underperform | AU$13.43M | -2.04 | -61.51% | ― | -2.50% | 23.44% |
Credit Clear Limited Corporate Events
Credit Clear Limited has issued 303,516 fully paid ordinary shares at $0.27 per share following the conversion of share rights held by an employee, expanding its share capital through an employee-related equity arrangement. The company confirmed that the shares were issued without a prospectus under the relevant Corporations Act provisions and that it remains compliant with continuous disclosure and financial reporting obligations, with no excluded information requiring disclosure, signalling regulatory adherence and transparency for investors.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited has applied for quotation on the ASX of a total of 2,520,309 new ordinary fully paid shares, following the issue of 2,216,793 shares on 7 January 2026 and a further 303,516 shares on 8 January 2026. The additional quoted securities, arising from the exercise or conversion of existing options or other convertible securities, will expand the company’s listed share base and may modestly impact ownership dispersion and liquidity for current shareholders.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited has withdrawn a previously lodged application for quotation of securities with the ASX after identifying inaccuracies in the original filing. The company states that the cancellation is to correct the issue date and consideration details and to include an additional security class in the updated submission, with a new application to be lodged. The move reflects an administrative adjustment rather than a change in strategic direction but signals the company’s effort to ensure accurate disclosure and compliance with listing requirements, a point of relevance for investors tracking its capital structure and new security issuances.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited has issued 2,216,793 fully paid ordinary shares for nil consideration following the conversion of share rights held by its employees, effectively transferring previously granted equity incentives into listed stock. The company confirmed that the issue was conducted without a prospectus under the Corporations Act’s disclosure exemptions, that it remains compliant with its financial reporting and continuous disclosure obligations, and that there is no undisclosed price-sensitive information related to this share issue, providing regulatory clarity and transparency for existing and new shareholders.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited has applied to the ASX for quotation of 2,216,793 new fully paid ordinary shares, issued on 31 December 2025, under its CCR ticker. The additional securities, arising from the exercise or conversion of existing options or other convertible instruments, will modestly expand the company’s free float and may enhance trading liquidity, representing incremental capital formation for the fintech receivables specialist without altering its core operations.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited has confirmed that completion of its acquisition of UK-based ARC Europe Ltd is expected on or around 1 January 2026, following satisfaction of all conditions, including approval from the UK Financial Conduct Authority. ARC, a longstanding debt collection provider with clients across financial services, health and leisure, insurance and utilities, generated FY25 revenue of $8.8 million and EBITDA of $1.2 million, and the deal is expected to be earnings accretive in Credit Clear’s first full year of ownership. Management expects the acquisition to deliver operational efficiencies, cross-selling opportunities and a platform for geographic expansion into the UK and broader European collections markets, with ARC’s co-founders remaining in their roles to support integration alongside Credit Clear’s recent DTS acquisition.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited has convened a physical-only general meeting of shareholders to be held at its Melbourne office on 27 January 2026, with key meeting materials including the notice of meeting, agenda, explanatory memorandum and personalised proxy forms being dispatched to investors. The announcement underscores the company’s reliance on in-person shareholder engagement for governance matters and ensures investors are formally informed and able to exercise their voting rights via proxy if they cannot attend.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited announced the acquisition of DTS, a SaaS collections business operating globally with a 35-year track record. The acquisition, valued at A$7.75 million, is expected to enhance Credit Clear’s digital offerings by incorporating DTS’ voice capabilities, expanding its client base of Blue-Chip companies, and diversifying operations across geographic regions. By complementing prior acquisitions and enabling cross-selling opportunities, this transaction anticipates accelerating revenue growth, optimizing services through technology integration, and driving significant benefits for both clients and the company.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited announced a change in the director’s interest, with Andrew Smith acquiring an additional 303,516 share rights, increasing his indirect holdings. This change, approved by shareholders, reflects strategic alignment with the company’s growth objectives and may influence stakeholder perceptions regarding the company’s governance and future performance.
The most recent analyst rating on (AU:CCR) stock is a Buy with a A$0.46 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited announced the issuance of 303,516 unquoted share rights under an employee incentive scheme, effective November 14, 2025. This move is part of the company’s strategy to incentivize its workforce, potentially enhancing employee engagement and aligning their interests with the company’s growth objectives.
The most recent analyst rating on (AU:CCR) stock is a Buy with a A$0.46 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited announced that all resolutions from its 2025 Annual General Meeting were passed by poll, demonstrating strong shareholder support. This outcome may positively impact the company’s strategic initiatives and reinforce its market position, potentially benefiting stakeholders by aligning with the company’s growth and operational objectives.
The most recent analyst rating on (AU:CCR) stock is a Buy with a A$0.45 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited has released a presentation at its 2025 AGM, emphasizing its commitment to transforming the debt collection industry. The presentation outlines the company’s strategic direction and highlights its focus on leveraging technology to enhance operational efficiency and stakeholder engagement. This move is expected to strengthen Credit Clear’s market position and potentially bring significant benefits to its stakeholders.
The most recent analyst rating on (AU:CCR) stock is a Buy with a A$0.45 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited reported a transformative year in FY25, achieving record revenue of $46.9 million and a 76% increase in Underlying EBITDA, driven by its core debt recovery services and digital collections capabilities. The company is expanding its market reach with the acquisition of ARC Europe, marking its entry into the UK market and enhancing its service offerings. This acquisition is expected to diversify revenue streams and strengthen Credit Clear’s international positioning. The company also completed a $20.75 million capital raise to support organic and inorganic growth initiatives, positioning itself to capitalize on opportunities in the under-digitized sectors of insurance and utilities.
The most recent analyst rating on (AU:CCR) stock is a Buy with a A$0.45 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited has announced an online Investor Briefing following its 2025 Annual General Meeting (AGM), scheduled for November 13, 2025. The briefing will be accessible to all investors, although only shareholders can participate in the AGM in person. This initiative reflects Credit Clear’s commitment to transparency and engagement with its investors, potentially strengthening its market position and stakeholder relations.
The most recent analyst rating on (AU:CCR) stock is a Buy with a A$0.45 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited has announced a change in the director’s interest, with Hugh Robertson acquiring 230,460 ordinary class shares, increasing his indirect holdings. This acquisition was made in lieu of cash remuneration, following shareholder approval at the recent AGM, indicating a strategic move to align director interests with company performance, potentially impacting stakeholder confidence positively.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited has announced a change in the director’s interest, with Jodie Bedoya acquiring 51,673 ordinary class shares. This acquisition was made in lieu of cash remuneration for director fees, following shareholder approval at the AGM held on 22 November 2024. The change reflects the company’s strategic decision to align director compensation with company performance, potentially impacting stakeholder perceptions and the company’s market positioning.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited announced a change in the director’s interest notice, specifically regarding Michael Doery, who has acquired an additional 161,322 ordinary class shares. This acquisition was made in lieu of cash remuneration for director fees, following shareholder approval at the recent AGM. The change reflects the company’s strategic approach to compensating its leadership, potentially impacting its financial structuring and signaling confidence in its market position.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited has announced the issuance of 51 million fully paid ordinary shares at A$0.25 each to institutional and sophisticated investors, alongside additional shares for employee share rights conversion and director fee remuneration. This strategic move aims to strengthen the company’s capital base, potentially enhancing its market position and operational capabilities within the financial services sector.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited has announced the issuance of 2,565,990 fully paid ordinary securities, which will be quoted on the Australian Securities Exchange (ASX) under the code CCR. This move is part of the company’s strategic efforts to enhance its market presence and potentially increase its capital resources, which could have significant implications for its operational capabilities and stakeholder interests.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited has announced the issuance of 443,455 ordinary fully paid shares to be quoted on the ASX. These shares are issued to related parties as a substitute for cash remuneration for directors’ fees, as approved in the company’s annual general meetings held in November 2023 and 2024. This move could potentially impact the company’s financial strategy by conserving cash while aligning the interests of directors with shareholders.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited has announced the quotation of 51,000,000 ordinary fully paid securities on the Australian Securities Exchange (ASX) as of October 28, 2025. This move is part of a previously announced transaction, potentially enhancing the company’s market presence and offering stakeholders an opportunity to engage with the company’s growth strategy.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited has announced a proposed issue of 92,108,000 ordinary fully paid securities, scheduled for issuance on October 27, 2025. This move is part of a placement or other type of issue, aimed at strengthening the company’s capital base, potentially impacting its market positioning and offering new opportunities for stakeholders.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited has announced the acquisition of ARC Europe, a UK-based debt collection agency, for A$10.9 million. This strategic acquisition is expected to enhance Credit Clear’s operational efficiencies and accelerate growth by leveraging ARC’s customer base and integrating Credit Clear’s digital platform. Additionally, Credit Clear has secured $20.75 million through an institutional placement to support future growth initiatives, with significant investment from Chair Paul Dwyer. The acquisition is anticipated to be earnings accretive in its first year, expanding Credit Clear’s geographic footprint and unlocking cross-sell opportunities.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
Credit Clear Limited has announced its 2025 Annual General Meeting (AGM) to be held on November 13, 2025, in Alexandria, NSW. This physical-only meeting will address several key agenda items, including the adoption of the 2025 Remuneration Report, re-election of a director, and approval of share rights and additional capital issuance. The AGM will be conducted via a poll to ensure broad shareholder representation, and shareholders can submit questions in advance.
The most recent analyst rating on (AU:CCR) stock is a Buy with a A$0.45 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.