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Credit Clear Limited
(Sydney:CCR)
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Rating:59Neutral
Price Target:
AU$0.14
▼(-29.50% Downside)
Action:Reiterated
Date:06/27/26
The score is supported primarily by improving financial performance—strong balance sheet, solid free cash flow growth, and better gross margins. This is materially offset by weak technicals, with the share price below all key moving averages and negative MACD indicating a clear downtrend, despite oversold RSI. Valuation (P/E 12.82) provides moderate support but is not strong enough to outweigh the bearish price action.
Positive Factors
Conservative capital structure
A very low debt-to-equity ratio and high equity ratio give the company durable financial flexibility, lowering refinancing and interest risks. This conservative balance sheet supports investment in product and sales initiatives and cushions cyclical downturns over the next several quarters.
Negative Factors
Negative EBIT margin
Despite gross margin gains, the company reports negative EBIT, showing operating costs still outpace core earnings. Persisting negative operating profitability can constrain sustainable margin expansion and requires sustained revenue scale or cost discipline to convert improved gross profits into operating profit.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative capital structure
A very low debt-to-equity ratio and high equity ratio give the company durable financial flexibility, lowering refinancing and interest risks. This conservative balance sheet supports investment in product and sales initiatives and cushions cyclical downturns over the next several quarters.
Read all positive factors
Credit Clear Limited (CCR) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$67.59M
Dividend YieldN/A
Average Volume (3M)463.52K
Price to Earnings (P/E)13.1
Beta (1Y)0.68
Revenue Growth7.68%
EPS GrowthN/A
CountryAU
Employees220
SectorTechnology
Sector Strength88
IndustryInformation Technology Services
Share Statistics
EPS (TTM)<0.01
Shares Outstanding500,646,700
10 Day Avg. Volume604,449
30 Day Avg. Volume463,519
Financial Highlights & Ratios
PEG Ratio-0.16
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$0.35Price Target Upside75.00% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.02
Revenue Forecast (FY)AU$75.63M
Credit Clear Limited Business Overview & Revenue Model
Company Description
Credit Clear Limited focuses on building and deploying advanced platforms for managing outstanding payments, alongside offering comprehensive debt collection services. The company's activities are structured into two primary divisions: Receivable ...
How the Company Makes Money
Credit Clear makes money by charging business customers for the use of its software platform that facilitates digital debtor/customer communications and payment engagement. Revenue is primarily generated from fees linked to platform usage (for exa...
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
0.20
Negative
0.20
Negative
0.23
Negative
Market Momentum
-0.02
Positive
26.78
Positive
31.83
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 above the 20-day moving average (MA) of 0.17, below the 50-day MA of 0.20, and below the 200-day MA of 0.23, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 26.78 is Positive, neither overbought nor oversold. The STOCH value of 31.83 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% | |
59 Neutral | AU$67.59M | 13.12 | 7.00% | ― | 7.68% | ― | |
57 Neutral | AU$45.99M | 62.65 | 1.96% | 3.45% | 3.65% | 22.22% | |
54 Neutral | AU$51.09M | 51.47 | -30.20% | ― | 31.09% | ― | |
48 Neutral | AU$3.77M | -5.33 | -112.53% | ― | ― | ― | |
46 Neutral | AU$7.98M | -0.14 | -53.64% | ― | 6.96% | 31.11% | |
45 Neutral | AU$137.97M | -2.06 | -45.17% | ― | 5.43% | -667.97% |
* Technology Sector Average
AU:CCR
Credit Clear Limited
0.14
-0.10
-42.55%
AU:CCA
Change Financial Ltd
0.07
-0.01
-12.94%
AU:EML
EML Payments
0.36
-0.71
-66.51%
AU:OVT
IOUpay Limited
0.01
-0.23
-95.83%
AU:CGO
CPT Global Limited
0.09
0.03
47.54%
AU:CCG
Comms Group Ltd. (Australia)
0.08
0.04
75.00%
Credit Clear Limited Corporate Events
Credit Clear Expands On-Market Share Buy-Back, Lifts Total to 38 Million Shares
Jun 30, 2026
Credit Clear Limited has continued its on-market share buy-back program, repurchasing ordinary fully paid shares under the ASX code CCR as part of an ongoing capital management initiative. The company reported that it bought back 1,072,713 shares ...
Credit Clear Corrects Share Cancellation Details in Updated ASX Filing
Jun 30, 2026
Credit Clear Limited has lodged an updated Appendix 3H notification with the ASX, advising a correction to the reported number of shares cancelled in a prior announcement dated June 30, 2026. The revision clarifies the actual change in issued capi...
Credit Clear Cancels 10.7 Million Shares After On-Market Buy-Back
Jun 30, 2026
Credit Clear Limited has confirmed the cessation of 10,700,247 ordinary fully paid shares following an on-market buy-back completed on June 30, 2026. The cancellation of these securities reduces the company’s issued capital, which may enhanc...
Credit Clear Updates Market on Progress of On‑Market Share Buy‑Back
Jun 29, 2026
Credit Clear Limited has issued an update on its on‑market share buy‑back program, confirming that it repurchased a total of 2,475,000 ordinary fully paid shares on the previous trading day. This brings the cumulative number of shares ...
Credit Clear updates market on progress of ongoing share buy-back
Jun 28, 2026
Credit Clear Limited has provided an updated notification to the ASX on its ongoing on-market share buy-back for its ordinary fully paid shares, under issuer code CCR. The company reported that it had bought back a cumulative total of 30,014,579 s...
Credit Clear to Defend ACCC Legal Action Over Debt Collection Practices
Jun 24, 2026
Credit Clear Limited, an Australian technology-based debt collection and digital billing provider, operates a platform that uses artificial intelligence to streamline customer repayments for clients in sectors including transport, financial servic...
Credit Clear updates market on ongoing on‑market share buy-back
Jun 23, 2026
Credit Clear Limited has provided a daily update on its on-market share buy-back program for its ordinary fully paid shares listed under the ASX code CCR. The company reported that it had repurchased a cumulative total of 29,921,361 shares prior t...
Credit Clear Continues On‑Market Share Buy‑Back Program
Jun 22, 2026
Credit Clear Limited, trading under ASX code CCR, is executing an on‑market share buy‑back of its ordinary fully paid shares as part of its ongoing capital management strategy. The program reflects an effort to refine its equity struct...
Credit Clear strengthens leadership with appointment of Executive Director Joshua Reid
Jun 22, 2026
Credit Clear Limited has appointed experienced financial executive Joshua Reid as an Executive Director, effective 20 July 2026, to bolster its leadership as it continues rapid expansion in scale and geography. Reid brings more than 30 years’...
Credit Clear updates market on ongoing on‑market share buy‑back
Jun 21, 2026
Credit Clear Limited has continued its on‑market share buy‑back program for its ordinary fully paid shares, reporting that it has repurchased a cumulative 29,546,884 securities prior to the latest trading day. The company disclosed tha...
Credit Clear Updates Market on Progress of On-Market Share Buy-Back
Jun 19, 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. The company reported that it has repurchased a total of 28,837,102 shares prior to the ...
Credit Clear updates market on ongoing on‑market share buy‑back
Jun 17, 2026
Credit Clear Limited has continued its on-market share buy-back program, updating the market with a daily notification covering purchases up to 18 June 2026. The company reported that it had bought back a total of 28,449,449 ordinary fully paid sh...
Credit Clear Updates Market on Progress of On-Market Share Buy-Back
Jun 9, 2026
Credit Clear Limited has provided an updated notification to the ASX on its ongoing on-market share buy-back program for its ordinary fully paid shares, trading under the code CCR. The company reported that it had bought back a cumulative total of...
Credit Clear updates market on ongoing on-market share buy-back
Jun 3, 2026
Credit Clear Limited has updated the market on progress under its on-market share buy-back program, reporting that a total of 19,696,857 ordinary fully paid shares had been repurchased before the previous trading day. The company also disclosed th...
Credit Clear Issues Daily Update on Ongoing On‑Market Share Buy‑Back
Jun 2, 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 code CCR. The company reported that it has bought back a cumulative to...
Credit Clear Cuts Share Count After On-Market Buy-Back
Jun 1, 2026
Credit Clear Limited has cancelled 8,375,743 ordinary fully paid shares following completion of an on-market buy-back that reached cessation on 31 May 2026. The reduction in issued capital reflects an active capital management strategy that may en...
Credit Clear updates on ongoing on-market share buy-back
Jun 1, 2026
Credit Clear Limited has provided an updated notification on its ongoing on-market share buy-back of ordinary fully paid shares. As of 2 June 2026, the company reported that it had repurchased a cumulative 19,314,332 shares since the program began...
Credit Clear updates market on ongoing on-market share buy-back
May 31, 2026
Credit Clear Limited has continued its on-market share buy-back program, reporting that a total of 19,138,317 ordinary fully paid shares had been repurchased prior to the latest trading day. The company disclosed that a further 176,015 shares were...
Credit Clear Updates Market on Progress of On-Market Share Buy-Back
May 27, 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 company reported that a total of 18,964,071 shares had been repu...
Credit Clear Updates ASX on Progress of On-Market Share Buy-Back
May 26, 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 code CCR. The update, dated 27 May 2026, notes that the company repurchased 304,09...
Credit Clear Updates Market on Progress of On-Market Share Buy-Back
May 22, 2026
Credit Clear Limited has provided an update on its on-market share buy-back, covering ordinary fully paid shares traded under the ASX code CCR. The company first notified the program in August 2025 and continues to lodge daily updates as part of i...
Credit Clear Continues Daily On-Market Share Buy-Back Program
May 21, 2026
Credit Clear Limited has continued its on-market share buy-back program, confirming that a total of 17,294,977 ordinary fully paid shares had been repurchased prior to the latest trading day. The company reported that a further 170,000 shares were...
Credit Clear unveils next-gen AI platform at emerging companies conference
May 11, 2026
Credit Clear Limited, an Australian technology and debt collection specialist, has built a digital billing and communication platform that leverages award-winning artificial intelligence to streamline customer repayments. The company services a br...
Credit Clear Updates Market on Progress of Ongoing Share Buy-Back
May 11, 2026
Credit Clear Limited has provided an update on its ongoing on-market share buy-back program, covering ordinary fully paid shares traded under the ASX code CCR. The company reported that it had repurchased a cumulative 12,933,997 shares prior to th...
Credit Clear Updates Market on Progress of On‑Market Share Buy‑Back
May 10, 2026
Credit Clear Limited has updated the market on progress under its on‑market share buy‑back program for ordinary fully paid shares, identified by ASX code CCR. The company reported that a cumulative 12,864,237 shares had been repurchase...
Credit Clear Continues On-Market Buy-Back, Lifts Total Repurchases to Over 12.3 Million Shares
May 8, 2026
Credit Clear Limited has continued its on-market share buy-back program, confirming that it repurchased a total of 521,061 ordinary fully paid shares on the previous trading day. This brings the cumulative number of shares bought back under the pr...
Credit Clear Updates Daily On-Market Share Buy-Back Figures
May 6, 2026
Credit Clear Limited, listed on the ASX under code CCR, is a publicly traded company with ordinary fully paid shares. The company operates within the listed corporate sector and is subject to Australian market disclosure and reporting requirements...
Credit Clear Updates Market on Progress of On-Market Share Buy-Back
May 5, 2026
Credit Clear Limited has updated the market on its ongoing on-market share buy-back program for its ordinary fully paid shares, listed under ASX code CCR. The company reported that it has repurchased a total of 11,191,201 shares prior to the lates...
Credit Clear Updates Market on Progress of On-Market Share Buy-Back
May 4, 2026
Credit Clear Limited, listed on the ASX under ticker CCR, has ordinary fully paid shares on issue that are currently the subject of an on-market share buy-back program. The announcement provides administrative details including the company’s...
Credit Clear Cuts Share Count via On‑Market Buy‑Back
May 3, 2026
Credit Clear Limited has cancelled 10,938,589 ordinary fully paid shares following completion of an on‑market buy‑back, as disclosed in its latest capital notification to the ASX. The reduction in issued capital may enhance metrics suc...
Credit Clear Continues Active On‑Market Share Buy-Back
May 3, 2026
Credit Clear Limited, an ASX-listed fintech and credit management provider, issues ordinary fully paid shares under ticker CCR and uses on-market transactions as part of its approach to managing capital and shareholder value. The company’s p...
Credit Clear updates market on daily progress of on-market share buy-back
Apr 30, 2026
Credit Clear Limited has provided an updated notification to the ASX regarding its ongoing on-market share buy-back program. The company reported that it had repurchased a cumulative total of 10,742,960 ordinary fully paid shares prior to the most...
Credit Clear Updates Market on Progress of On-Market Share Buy-Back
Apr 29, 2026
Credit Clear Limited, listed on the ASX under the ticker CCR as an issuer of ordinary fully paid shares, has disclosed details of its share capital relating to an ongoing on-market buy-back program. The company is registered in Australia under ACN...
Credit Clear updates market on progress of on‑market share buy‑back
Apr 27, 2026
Credit Clear Limited has continued its on‑market share buy‑back program, reporting that a total of 8,016,719 ordinary fully paid shares had been repurchased prior to the most recent trading day. The company disclosed that it bought bac...
Credit Clear Updates Market on Progress of On-Market Share Buy-Back
Apr 23, 2026
Credit Clear Limited, an ASX-listed fintech and receivables management company, provides digital solutions that help enterprises engage with customers and recover payments more efficiently. Its core business focuses on leveraging technology and da...
Credit Clear updates market on progress of ongoing on‑market share buy-back
Apr 22, 2026
Credit Clear Limited has provided an updated daily notification on its ongoing on‑market share buy-back, confirming that a total of 7,066,349 ordinary fully paid shares had been repurchased before the previous trading day. The company report...
Credit Clear Updates Market on Progress of On-Market Share Buy-Back
Apr 21, 2026
Credit Clear Limited has provided an update on its ongoing on-market share buy-back program for its ordinary fully paid shares listed under ASX code CCR. The company reported that it has repurchased a cumulative total of 6,106,349 shares prior to ...
Credit Clear Reports Progress on Ongoing On‑Market Share Buy‑Back
Apr 19, 2026
Credit Clear Limited has updated the market on its ongoing on‑market share buy‑back of ordinary fully paid shares under ASX code CCR. The company reported that a total of 3,598,411 shares had been repurchased prior to the most recent t...
Credit Clear Continues On‑Market Buy‑Back With Daily Update
Apr 16, 2026
Credit Clear Limited has updated the market on its ongoing on‑market share buy‑back of ordinary fully paid shares, confirming that a total of 3,335,411 securities had been repurchased prior to the latest trading day. The company report...
Credit Clear Issues 360,671 Unquoted Share Rights Under Employee Incentive Plan
Apr 16, 2026
Credit Clear Limited has notified the market of the issue of 360,671 unquoted share rights under its employee incentive scheme, effective 1 February 2026. The new securities, which are not intended to be quoted on the ASX, reflect the company̵...
Credit Clear Updates Market on Progress of On‑Market Share Buy‑Back
Apr 15, 2026
Credit Clear Limited has notified the market of ongoing on‑market share buy‑back activity involving its ordinary fully paid shares trading under ASX code CCR. The company is providing this as an update to its previously announced buy&#...
Credit Clear Issues Shares to Consultant Under Regulatory Exemption
Apr 14, 2026
Credit Clear Limited has issued 499,151 fully paid ordinary shares at $0.2003 per share to an external consultant as remuneration for services, effectively using equity rather than cash to settle its obligations. The company stated that the shares...
Credit Clear Issues New Shares to Service Provider for Fees
Apr 14, 2026
Credit Clear Limited has applied for quotation on the ASX of 499,151 new fully paid ordinary shares issued to a service provider as payment for services rendered. The move marginally increases the company’s share count and reflects the use o...
Credit Clear Updates Market on Progress of On‑Market Share Buy‑Back
Apr 13, 2026
Credit Clear Limited has provided an updated notification to the ASX on its ongoing on-market share buy-back program for its ordinary fully paid shares. The company reported that, as of the latest update dated 14 April 2026, it has repurchased a c...
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.