Credit Clear Limited (AU:CCR)
ASX:CCR
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Credit Clear Limited
(Sydney:CCR)
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Rating:61Neutral
Price Target:
AU$0.23
▲(14.50% 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
Conservative balance sheet / low leverage
A very low debt-to-equity ratio and high equity ratio provide lasting financial resilience, reduce refinancing risk and give management optionality to invest in product development or M&A. This structural strength supports stability through economic cycles and funds strategic initiatives without heavy leverage.
Negative Factors
Negative EBIT margin (operational efficiency)
A negative EBIT margin shows core operations aren't fully profitable before non-operating items, signalling structural issues in operating leverage or cost base. To sustain long-term earnings growth the company must convert gross margin gains into positive operating profit through sustained cost discipline and scale.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet / low leverage
A very low debt-to-equity ratio and high equity ratio provide lasting financial resilience, reduce refinancing risk and give management optionality to invest in product development or M&A. This structural strength supports stability through economic cycles and funds strategic initiatives without heavy leverage.
Read all positive factors
Credit Clear Limited (CCR) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$115.06M
Dividend YieldN/A
Average Volume (3M)463.52K
Price to Earnings (P/E)―
Beta (1Y)0.41
Revenue Growth7.68%
EPS GrowthN/A
CountryAU
Employees220
SectorTechnology
Sector Strength88
IndustryInformation Technology Services
Share Statistics
EPS (TTM)<0.01
Shares Outstanding511,369,800
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 Upside87.50% 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
Neutral
0.20
Price Trends
0.21
Negative
0.23
Negative
0.25
Negative
Market Momentum
>-0.01
Negative
50.72
Neutral
55.56
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:CCR, the sentiment is Neutral. The current price of 0.2 is above the 20-day moving average (MA) of 0.20, below the 50-day MA of 0.21, and below the 200-day MA of 0.25, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 50.72 is Neutral, neither overbought nor oversold. The STOCH value of 55.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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$115.06M | -40.64 | 7.00% | ― | 7.68% | ― | |
58 Neutral | AU$40.95M | -77.51 | 4.70% | 4.66% | -1.81% | -61.23% | |
56 Neutral | AU$65.64M | 38.88 | 5.67% | ― | 13.98% | 90.00% | |
46 Neutral | AU$20.95M | -0.45 | -53.64% | ― | 6.96% | 31.11% | |
46 Neutral | AU$38.27M | 8.18 | 1.96% | 3.45% | 3.65% | 22.22% | |
45 Neutral | AU$159.29M | -22.24 | -45.17% | ― | 5.43% | -667.97% |
* Technology Sector Average
AU:CCR
Credit Clear Limited
0.23
0.01
4.65%
AU:EML
EML Payments
0.41
-0.57
-58.16%
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IOUpay Limited
0.02
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-91.25%
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0.07
0.01
20.69%
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0.15
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-16.67%
AU:COS
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0.23
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-69.18%
Credit Clear Limited Corporate Events
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...
Credit Clear Updates Market on Ongoing On-Market Share Buy-Back
Apr 12, 2026
Credit Clear Limited has provided an updated notification to the ASX regarding its on-market share buy-back program for its ordinary fully paid shares under the code CCR. The update confirms that as of 13 April 2026, the company continues to execu...
Credit Clear Continues On‑Market Share Buy‑Back Program
Apr 9, 2026
Credit Clear Limited, the ASX-listed receivables management and payments technology firm, continues its on-market share buy-back program, targeting its ordinary fully paid shares under the code CCR. The company is using this capital management ini...
Credit Clear Updates Market on Daily Progress of On‑Market Share Buy‑Back
Apr 8, 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 update, dated 9 April 2026, reports that a total of 1,754,500 shares had been...
Credit Clear Updates Market on Ongoing On-Market Share Buy-Back
Apr 7, 2026
Credit Clear Limited has continued its on-market share buy-back program, providing an updated notification to the ASX as of 8 April 2026. The company reported that a total of 1,500,000 ordinary fully paid shares had been repurchased prior to the p...
Credit Clear Updates Market on Progress of On-Market Share Buy-Back
Apr 7, 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 the code CCR. The latest update, dated 7 April 2026, forms part of a series of regular disclosu...
Credit Clear provides daily update on ongoing on-market share buy-back
Apr 1, 2026
Credit Clear Limited, listed on the ASX under ticker CCR, continues to manage its capital structure through an on-market buy-back of its ordinary fully paid shares. The company has been progressively reducing its share count since first notifying ...
Credit Clear Updates Market on Ongoing On-Market Share Buy-Back
Apr 1, 2026
Credit Clear Limited has updated the market on its ongoing on-market share buy-back program for its ordinary fully paid shares, ASX code CCR. The latest notification shows a cumulative total of 749,911 shares repurchased before the previous day, w...
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...
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.