Credit Clear Limited (AU:CCR)
ASX:CCR
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Credit Clear Limited
(Sydney:CCR)
Select Model
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Rating:61Neutral
Price Target:
AU$0.20
â–²(0.00% Upside)
Action:ReiteratedDate:12/10/25
Credit Clear Limited's overall stock score is driven by its strong financial performance, particularly in revenue growth and cash flow management. However, technical indicators suggest potential short-term bearish momentum, and the valuation appears high relative to peers. The absence of a dividend yield further impacts the stock's attractiveness.
Positive Factors
Balance Sheet Strength
Very low leverage and a high equity ratio provide financial resilience, lowering default and refinancing risk. The improved ROE signals management is beginning to generate shareholder returns. This structure supports financing flexibility for investment or acquisitions over the medium term.
Negative Factors
Negative EBIT Margin
A negative EBIT margin shows core operations are not yet reliably profitable after operating costs. Persisting operational losses constrain reinvestment from operating earnings, require continued cost discipline or revenue scale to reach sustainable operating profitability over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Strength
Very low leverage and a high equity ratio provide financial resilience, lowering default and refinancing risk. The improved ROE signals management is beginning to generate shareholder returns. This structure supports financing flexibility for investment or acquisitions over the medium term.
Read all positive factors
Credit Clear Limited (CCR) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$104.36M
Dividend YieldN/A
Average Volume (3M)463.52K
Price to Earnings (P/E)―
Beta (1Y)0.53
Revenue Growth11.72%
EPS GrowthN/A
CountryAU
EmployeesN/A
SectorTechnology
Sector Strength88
IndustryInformation Technology Services
Share Statistics
EPS (TTM)>-0.01
Shares Outstanding521,809,270
10 Day Avg. Volume604,449
30 Day Avg. Volume463,519
Financial Highlights & Ratios
PEG Ratio-0.17
Price to Book (P/B)1.62
Price to Sales (P/S)2.22
P/FCF Ratio19.20
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$0.38Price Target Upside90.00% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)<0.01
Revenue Forecast (FY)AU$58.05M
Credit Clear Limited Business Overview & Revenue Model
Company Description
Credit Clear Limited engages in the development and implementation of receivables management platform, and provision of receivable collection services. The company operates in two segments, Receivable Collections and Legal Services. It offers tech...
How the Company Makes Money
null...
Credit Clear Limited Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
68
Positive
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 48.71M | 46.95M | 42.00M | 34.95M | 21.46M | 10.98M |
| Gross Profit | 13.04M | 21.68M | -1.12M | -5.70M | -9.38M | -4.47M |
| EBITDA | 2.27M | 1.39M | 2.46M | -4.83M | -10.50M | -6.27M |
| Net Income | 4.92M | 3.54M | -4.50M | -11.06M | -11.13M | -8.02M |
Balance Sheet | ||||||
| Total Assets | 94.60M | 85.36M | 78.08M | 76.84M | 74.38M | 22.33M |
| Cash, Cash Equivalents and Short-Term Investments | 34.27M | 15.68M | 18.82M | 16.07M | 14.37M | 11.40M |
| Total Debt | 6.32M | 3.93M | 4.27M | 5.14M | 1.67M | 1.10M |
| Total Liabilities | 18.22M | 21.08M | 18.81M | 15.56M | 13.99M | 5.98M |
| Stockholders Equity | 76.38M | 64.28M | 59.27M | 61.29M | 60.39M | 16.35M |
Cash Flow | ||||||
| Free Cash Flow | 3.89M | 5.42M | 2.16M | -4.54M | -7.36M | -4.54M |
| Operating Cash Flow | 4.28M | 5.79M | 3.69M | -2.78M | -5.93M | -3.97M |
| Investing Cash Flow | -8.86M | -1.88M | -2.20M | -2.04M | -29.30M | -855.00K |
| Financing Cash Flow | 11.64M | -1.37M | -346.00K | 6.62M | 34.69M | 13.38M |
Credit Clear Limited Technical Analysis
Negative
0.20
Price Trends
0.23
Negative
0.25
Negative
0.25
Negative
Market Momentum
>-0.01
Negative
44.79
Neutral
58.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:CCR, the sentiment is Negative. The current price of 0.2 is below the 20-day moving average (MA) of 0.20, below the 50-day MA of 0.23, and below the 200-day MA of 0.25, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 44.79 is Neutral, neither overbought nor oversold. The STOCH value of 58.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:CCR.
Credit Clear Limited Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
61 Neutral | AU$104.36M | -40.64 | 5.74% | ― | 11.72% | ― | |
58 Neutral | AU$35.49M | -77.51 | 4.70% | 4.66% | 14.59% | -11.13% | |
56 Neutral | AU$61.26M | 38.88 | 5.67% | ― | 11.90% | 42.11% | |
46 Neutral | AU$9.54M | -0.45 | -53.64% | ― | -2.50% | 23.44% | |
46 Neutral | AU$36.07M | 8.18 | -1.89% | 3.45% | 2.06% | -277.78% | |
45 Neutral | AU$229.23M | -22.24 | -45.17% | ― | -5.87% | -540.18% |
* Technology Sector Average
AU:CCR
Credit Clear Limited
0.20
-0.03
-14.89%
AU:EML
EML Payments
0.59
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AU:OVT
IOUpay Limited
0.01
0.00
0.00%
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43.48%
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AU:COS
Cosol Limited
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-75.00%
Credit Clear Limited Corporate Events
Credit Clear Updates Market on Progress of On-Market Share Buy-Back
Mar 25, 2026
Credit Clear Limited has provided an updated notification to the ASX regarding its ongoing on-market share buy-back of ordinary fully paid shares, under its program initially announced in August 2025. The latest filing, dated 26 March 2026, confir...
Credit Clear Updates Market on Progress of On-Market Share Buy-Back
Mar 24, 2026
Credit Clear Limited has provided an update on its ongoing on-market share buy-back program for its ordinary fully paid shares listed on the ASX under the code CCR. The company reported that it had repurchased a total of 145,611 shares before the ...
Credit Clear issues daily update on on‑market share buy‑back
Mar 23, 2026
Credit Clear Limited has provided an updated notification to the ASX regarding its ongoing on‑market share buy‑back program for its ordinary fully paid shares under the code CCR. The latest daily report shows that 145,611 shares were b...
Credit Clear appoints Avee Waislitz to board with aligned shareholding
Mar 17, 2026
Credit Clear Limited has appointed Avee Waislitz as a director effective 16 March 2026, signalling a board refresh that may leverage his investment and governance experience to support the company’s growth agenda in digital receivables manag...
Credit Clear Director Increases Equity Stake Through Share-Based Remuneration
Mar 17, 2026
Credit Clear Limited has disclosed a change in director Jodie Bedoya’s indirect interest in the company, with her holding increasing through an issue of 42,426 ordinary shares. These shares were issued in lieu of cash remuneration, following...
Credit Clear Director Increases Stake Through Share-Based Remuneration
Mar 17, 2026
Credit Clear Limited reported a change in director Hugh Robertson’s interests, reflecting an issue of ordinary shares in lieu of cash remuneration following prior shareholder approval. The transaction, valued at an estimated $50,000 and invo...
Credit Clear Director Boosts Equity Stake Through Share-Based Remuneration
Mar 17, 2026
Credit Clear Limited has disclosed a change in director Michael Doery’s indirect interests in the company’s securities, reflecting an increase in his holdings through Miclod Holdings Pty Ltd superannuation and family account structures...
Credit Clear Issues Shares to Directors in Lieu of Cash Fees
Mar 17, 2026
Credit Clear Limited has issued 403,048 fully paid ordinary shares at a deemed price of $0.235703 per share to related parties in lieu of cash directors’ fees, following shareholder approvals granted at its 2023 and 2024 annual general meeti...
Credit Clear Seeks ASX Quotation for Director Fee Shares
Mar 17, 2026
Credit Clear Limited has applied for quotation on the ASX of 403,048 new fully paid ordinary shares issued on 17 March 2026. The shares were issued to related parties in lieu of cash remuneration for directors’ fees, following shareholder ap...
Credit Clear adds Thorney investment manager to board to support growth push
Mar 15, 2026
Credit Clear Limited, an Australian technology and debt collection provider, develops AI-driven digital billing and communication solutions that enable clients across transport, financial services, insurance, government, and utilities to improve t...
Credit Clear Adjusts Start Date for On-Market Share Buyback
Mar 4, 2026
Credit Clear Limited has updated the market on its previously announced on-market share buyback program for its ordinary fully paid shares. The update reflects a change to the proposed buyback commencement date, while confirming that the program r...
Credit Clear outlines 1HFY26 update with strong investor disclaimers
Feb 25, 2026
Credit Clear Limited has released its 1HFY26 results presentation, positioning the update as background information on the company rather than an offer of securities or investment advice. The document emphasises that any future capital raising or ...
Credit Clear lifts profit on digital collections and expands with DTS and ARC Europe deals
Feb 25, 2026
Credit Clear reported half-year FY26 revenue of $25.0 million, up 8% year on year, with underlying EBITDA rising 24% to $3.6 million and margins improving to 14%, supported by strong growth in digital collections and stable gross margins. The comp...
Credit Clear Narrows Half-Year Loss and Boosts Assets Amid Strategic Acquisitions
Feb 25, 2026
Credit Clear Limited reported revenue of $25.0 million for the half-year ended 31 December 2025, an 8% increase on the prior corresponding period, while narrowing its net loss attributable to owners to $0.8 million from $2.2 million. The company d...
Credit Clear Issues Shares to Complete ARC Europe Acquisition Consideration
Feb 3, 2026
Credit Clear Limited has issued 8,227,805 fully paid ordinary shares at a deemed price of $0.269 per share to the vendors of ARC Europe Ltd as part of the agreed consideration for its previously announced acquisition of ARC. The company confirmed ...
Credit Clear Seeks ASX Quotation for 8.2 Million New Shares
Feb 3, 2026
Credit Clear Limited, listed on the ASX under the code CCR, has applied for the quotation of 8,227,805 new fully paid ordinary shares. The securities, issued on 3 February 2026 as part of a previously announced transaction, will expand the company...
Credit Clear completes earnings-accretive DTS acquisition to accelerate global digital collections growth
Feb 2, 2026
Credit Clear Limited has completed its acquisition of illion Digital Tech Solutions Holdings Limited (DTS), a long-established SaaS provider of digital payments and collections solutions operating across the UK, Australia, New Zealand, the USA and...
Credit Clear Director Paul Dwyer Lifts Indirect Stake with $8m Share Issue
Jan 29, 2026
Credit Clear Limited has advised the ASX of a substantial increase in the indirect shareholding of director Paul Dwyer, whose interest, held via McHalem No. 3 Pty Ltd as trustee for the Melissa Dwyer Family Trust, has risen from 9.7 million to 41....
Credit Clear Issues 32 Million Shares to Director Under Approved Placement
Jan 28, 2026
Credit Clear Limited has issued 32 million fully paid ordinary shares at $0.25 per share to a company director under a previously announced and shareholder-approved placement. The company confirmed that the share issue was conducted without a disc...
Credit Clear Seeks ASX Quotation for 32 Million New Shares
Jan 28, 2026
Credit Clear Limited has applied to the ASX for quotation of 32 million new fully paid ordinary shares under its ticker CCR, following previously announced transactions. The additional securities, issued on 28 January 2026, will expand the company...
Credit Clear Shareholders Back All Resolutions at January General Meeting
Jan 27, 2026
Credit Clear Limited has reported that all resolutions put to shareholders at its 27 January 2026 general meeting were passed by poll, with strong levels of support recorded across the board. Key approvals included the issuance of equity securitie...
Credit Clear Director Increases Indirect Shareholding Through Incentive Rights Conversion
Jan 14, 2026
Credit Clear Limited has disclosed a change in director Andrew Smith’s interests in the company’s securities, following the conversion of previously granted share rights into ordinary shares. Smith’s indirect holding increased by...
Credit Clear Reports Lapse of Conditional Rights and Options
Jan 13, 2026
Credit Clear Limited has notified the market that 387,615 share rights (CCRAG) and 750,000 options (CCRAH) have lapsed as of 31 December 2025 after the conditions attached to these securities were not, or could no longer be, satisfied. The cessati...
Credit Clear Issues New Shares on Employee Rights Conversion
Jan 7, 2026
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 t...
Credit Clear Seeks ASX Quotation for 2.5 Million New Shares
Jan 7, 2026
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 secur...
Credit Clear Withdraws and Plans to Refile ASX Securities Quotation Application
Jan 7, 2026
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 considerat...
Credit Clear Converts Employee Share Rights Into 2.2 Million Ordinary Shares
Jan 7, 2026
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...
Credit Clear Seeks ASX Quotation for Over 2.2 Million New Shares
Jan 7, 2026
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 othe...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.