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Credit Clear Limited (AU:CCR)
ASX:CCR
Australian Market
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Credit Clear Limited (CCR) AI Stock Analysis

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AU:CCR

Credit Clear Limited

(Sydney:CCR)

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Neutral 67 (OpenAI - 4o)
Rating:67Neutral
Price Target:
AU$0.50
▲(78.57% Upside)
Credit Clear Limited's overall stock score reflects strong financial stability and positive technical indicators, suggesting potential for growth. However, the high P/E ratio indicates the stock may be overvalued, and operational efficiency challenges remain. The absence of a dividend yield and the nearing overbought technical indicators suggest caution for potential investors.
Positive Factors
Revenue Growth
Steady revenue growth indicates increasing demand for CCR's services, reflecting successful market penetration and business expansion.
Cash Generation
Strong cash generation enhances financial flexibility, supporting investments in growth opportunities and strengthening the balance sheet.
Balance Sheet Strength
A strong balance sheet with low leverage provides stability and reduces financial risk, enabling CCR to weather economic fluctuations.
Negative Factors
Operational Efficiency
Negative EBIT margin highlights operational inefficiencies, which can hinder profitability and require strategic improvements to enhance margins.
Profitability Concerns
Modest net profit margin indicates limited profitability, necessitating cost management and revenue enhancement strategies for better returns.
Operational Challenges
Negative EBIT margin suggests ongoing operational challenges, requiring strategic focus on efficiency to improve overall financial performance.

Credit Clear Limited (CCR) vs. iShares MSCI Australia ETF (EWA)

Credit Clear Limited Business Overview & Revenue Model

Company DescriptionCredit 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 technology-enabled communications platform that helps organizations to drive financial outcomes by changing the way customers manage their re-payments. The company also provides credit legal services. It serves the consumer, trade credit, automotive, financial services, government, utility, and insurance industries in Australia and New Zealand. The company was incorporated in 2015 and is based in Southbank, Australia.
How the Company Makes MoneyCredit Clear Limited generates revenue through multiple streams. Primarily, the company earns money by charging fees for its debt recovery services, where it assists clients in negotiating settlements with creditors. Additionally, CCR may receive commissions for successfully resolving debts on behalf of clients. The company also generates income from subscription fees for ongoing credit monitoring services and financial counseling programs. Significant partnerships with financial institutions and credit bureaus enhance its offerings and can lead to referral fees or shared revenue agreements, contributing further to its earnings.

Credit Clear Limited Financial Statement Overview

Summary
Credit Clear Limited is experiencing significant revenue growth and improvements in gross profit margins, reflecting effective cost management. The balance sheet is strong with low leverage, but profitability remains a challenge due to negative earnings. Positive changes in cash flows suggest better financial management, but continued focus on profitability is crucial.
Income Statement
65
Positive
Credit Clear Limited demonstrated a strong revenue growth rate of 20.17% from the previous year, reflecting an upward trajectory in its market presence. However, the company faces challenges with profitability, as indicated by negative EBIT and net profit margins, despite improvements. Gross profit margins have improved significantly, suggesting effective cost management.
Balance Sheet
70
Positive
The balance sheet shows strength with a high equity ratio of 75.92%, indicating a solid capital structure. The company has a low debt-to-equity ratio of 0.07, reflecting minimal leverage and financial risk. However, the declining equity over the years could be a concern if the trend continues.
Cash Flow
68
Positive
Cash flow analysis reveals a remarkable turnaround in operating cash flow, moving from negative to positive, indicating better cash management. The free cash flow has also improved, although the free cash flow to net income ratio is impacted by negative net income. Continuous improvement in cash flow is essential for future stability.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue46.95M46.95M42.00M34.95M21.46M10.98M
Gross Profit21.68M21.68M-1.12M-5.70M-9.38M-4.47M
EBITDA1.39M1.39M2.46M-4.83M-10.50M-6.27M
Net Income3.54M3.54M-4.50M-11.06M-11.13M-8.02M
Balance Sheet
Total Assets85.36M85.36M78.08M76.84M74.38M22.33M
Cash, Cash Equivalents and Short-Term Investments15.68M15.68M18.82M16.07M14.37M11.40M
Total Debt3.93M3.93M4.27M5.14M1.67M1.10M
Total Liabilities21.08M21.08M18.81M15.56M13.99M5.98M
Stockholders Equity64.28M64.28M59.27M61.29M60.39M16.35M
Cash Flow
Free Cash Flow5.42M5.42M2.16M-4.54M-7.36M-4.54M
Operating Cash Flow5.79M5.79M3.69M-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-346.00K6.62M34.69M13.38M

Credit Clear Limited Technical Analysis

Technical Analysis Sentiment
Positive
Last Price0.28
Price Trends
50DMA
0.26
Positive
100DMA
0.25
Positive
200DMA
0.25
Positive
Market Momentum
MACD
<0.01
Negative
RSI
54.17
Neutral
STOCH
76.67
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:CCR, the sentiment is Positive. The current price of 0.28 is above the 20-day moving average (MA) of 0.27, above the 50-day MA of 0.26, and above the 200-day MA of 0.25, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 54.17 is Neutral, neither overbought nor oversold. The STOCH value of 76.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:CCR.

Credit Clear Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
AU$106.46M13.3610.79%3.64%14.59%-11.13%
AU$114.66M32.145.74%11.72%
AU$166.36M142.594.26%11.90%42.11%
$37.18B12.37-10.20%1.83%8.50%-7.62%
AU$36.84M15.00-1.89%3.55%2.06%-277.78%
$370.28M-32.98%-5.87%-540.18%
AU$27.58M-61.51%-2.50%23.44%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:CCR
Credit Clear Limited
0.28
-0.02
-6.67%
AU:EML
EML Payments
0.96
0.29
43.28%
AU:OVT
IOUpay Limited
0.01
-0.01
-50.00%
AU:CCG
Comms Group Ltd. (Australia)
0.07
>-0.01
-12.50%
AU:KYP
CV Check Ltd
0.37
0.24
184.62%
AU:COS
Cosol Limited
0.60
-0.32
-34.78%

Credit Clear Limited Corporate Events

Credit Clear Limited Announces Proposed Securities Issue
Oct 22, 2025

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 Expands with Acquisition of ARC Europe and Successful Placement
Oct 22, 2025

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 Announces 2025 Annual General Meeting Details
Oct 13, 2025

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.

Credit Clear Limited Announces AGM and Director Nominations
Sep 26, 2025

Credit Clear Limited has announced that its Annual General Meeting (AGM) will take place on November 25, 2025, where the election of directors will be a key agenda item. The company has opened nominations for director positions, which must be submitted by October 7, 2025. This announcement is part of Credit Clear’s ongoing governance processes and reflects its commitment to maintaining robust leadership to support its operations across diverse industries.

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 Announces On-Market Buy-Back
Aug 22, 2025

Credit Clear Limited has announced a new on-market buy-back of its ordinary fully paid securities, as indicated by the ASX security code CCR. This move is likely aimed at optimizing the company’s capital structure and could potentially enhance shareholder value by reducing the number of shares outstanding.

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 Reports Strong FY25 Results and Positive FY26 Outlook
Aug 22, 2025

Credit Clear Limited reported a 12% increase in revenue to $46.9 million for the fiscal year ending June 2025, driven by expanded client relationships and increased debt file referrals. The company achieved a 76% improvement in Underlying EBITDA to $7.4 million, reflecting disciplined cost management and the scalability of its digital platforms. With a robust cash position of $15.6 million, Credit Clear is well-positioned for growth, focusing on digital innovation and market expansion. The company added 182 new clients and anticipates FY26 revenue to reach $50-52 million, with continued improvements in EBITDA margins.

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 Revises FY25 Results Webinar Timing
Aug 12, 2025

Credit Clear Limited has announced a revised time for its FY25 Results Webinar, which will now take place at 9.30am AEST on Friday, 22 August 2025. This change is part of the company’s ongoing communication strategy with investors, highlighting its commitment to transparency and engagement with stakeholders.

The most recent analyst rating on (AU:CCR) stock is a Buy with a A$0.53 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.

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.Date of analysis: Oct 23, 2025