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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)

Rating:61Neutral
Price Target:
AU$0.50
▲(100.00% Upside)
Credit Clear Limited shows strong revenue growth and improved cash flow management, contributing positively to its financial performance. Technical indicators suggest bullish momentum, but the valuation remains a concern due to negative earnings. The absence of earnings call insights and corporate events limits additional context.
Positive Factors
Client Acquisition
182 new enterprise clients added with approximately 20% of them having potential to convert into Tier-1 clients.
Cost Management
The update reflects the benefit of the cost-out program undertaken in FY25 and shows the potential operating leverage of the business.
Geographical Expansion
Geographical expansion into other countries leveraging CCR’s processes, systems, and technology is planned.
Negative Factors
Market Risks
Risks include change in market dynamics towards PDP, customer retention, competition, adverse regulatory change, cyber-attack, continued availability of qualified personnel, and wage inflation.
Revenue Guidance
The company revised revenue guidance from $48-$50m to $46-$47m.

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

Credit Clear Limited Business Overview & Revenue Model

Company DescriptionCredit Clear Limited (CCR) is an innovative technology-driven company operating in the financial services sector. The company specializes in providing digital billing and collections solutions, leveraging its proprietary platform to enhance the efficiency and effectiveness of debt recovery processes. CCR's core services are designed to optimize customer engagement and improve payment outcomes through personalized communication strategies across multiple channels, including SMS, email, and digital portals.
How the Company Makes MoneyCredit Clear Limited generates revenue primarily through its digital debt collection services. The company employs a software-as-a-service (SaaS) model, charging clients subscription fees for access to its platform. Additionally, CCR may earn performance-based fees linked to the successful recovery of debts. The company's partnerships with various financial institutions, utilities, and telecommunications companies are significant contributors to its earnings, as these relationships expand its client base and broaden its market reach. By continuously improving its technology and expanding its service offerings, CCR aims to increase its revenue streams and maintain competitive advantage in the digital collections industry.

Credit Clear Limited Financial Statement Overview

Summary
Credit Clear Limited is experiencing strong revenue growth and improved gross profit margins, indicating effective cost management. However, profitability remains a challenge with negative earnings, despite improvements in cash flow. The balance sheet shows financial stability with low leverage.
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
60
Neutral
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.
BreakdownJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income Statement
Total Revenue42.00M34.95M21.46M10.98M6.47M
Gross Profit18.32M-5.70M-9.38M-4.47M-854.09K
EBITDA2.46M-4.83M-10.50M-6.09M-3.43M
Net Income-4.50M-11.06M-11.13M-8.02M-4.29M
Balance Sheet
Total Assets78.08M76.84M74.38M22.33M13.86M
Cash, Cash Equivalents and Short-Term Investments18.82M16.07M14.37M11.40M2.97M
Total Debt4.27M5.14M1.67M1.10M1.41M
Total Liabilities18.81M15.56M13.99M5.98M4.98M
Stockholders Equity59.27M61.29M60.39M16.35M8.87M
Cash Flow
Free Cash Flow2.16M-4.54M-7.36M-4.54M-2.21M
Operating Cash Flow3.69M-2.78M-5.93M-3.97M-2.19M
Investing Cash Flow-2.20M-2.04M-29.30M-855.00K-5.25M
Financing Cash Flow-346.00K6.62M34.69M13.38M8.13M

Credit Clear Limited Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price0.25
Price Trends
50DMA
0.24
Positive
100DMA
0.23
Positive
200DMA
0.27
Negative
Market Momentum
MACD
<0.01
Positive
RSI
49.05
Neutral
STOCH
25.93
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 0.25 is below the 20-day moving average (MA) of 0.26, above the 50-day MA of 0.24, and below the 200-day MA of 0.27, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 49.05 is Neutral, neither overbought nor oversold. The STOCH value of 25.93 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

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
66
Neutral
AU$103.73M11.3312.90%4.09%23.66%-7.71%
63
Neutral
AU$108.02M132.503.26%5.37%-45.95%
62
Neutral
$409.41M34.807.22%-27.00%
61
Neutral
$34.83B4.75-10.43%2.08%6.55%-9.99%
61
Neutral
AU$101.92M-7.65%20.24%27.33%
61
Neutral
AU$28.64M60.001.16%6.54%48.72%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:CCR
Credit Clear Limited
0.25
-0.03
-10.71%
AU:EML
EML Payments
1.08
0.32
41.18%
AU:CCG
Comms Group Ltd. (Australia)
0.06
<0.01
20.00%
AU:KYP
CV Check Ltd
0.27
0.16
145.45%
AU:COS
Cosol Limited
0.58
-0.45
-43.69%

Credit Clear Limited Corporate Events

Credit Clear Limited Reports Strong FY25 Financial Performance and Strategic Growth
Jul 22, 2025

Credit Clear Limited reported a strong financial performance for the fiscal year ending June 2025, with a 76% increase in underlying EBITDA to $7.4 million and a 12% rise in revenue to $46.9 million. The company attributes this growth to increased adoption of its digital solutions, improved operating efficiency, and strategic client partnerships, particularly in the insurance sector. With a robust cash position of $15.6 million, Credit Clear is well-positioned for further growth in FY26, aiming to expand its market share and deepen client integration.

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.

Credit Clear Limited Issues Unquoted Share Rights
Jul 14, 2025

Credit Clear Limited announced the issuance of 157,995 unquoted share rights under an employee incentive scheme, which are not intended to be listed on the ASX. This move is part of the company’s strategy to enhance employee engagement and align their interests with corporate goals, potentially impacting its operational dynamics and stakeholder relations positively.

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.

Credit Clear Limited Announces Cessation of Securities
Jul 14, 2025

Credit Clear Limited announced the cessation of certain securities, specifically the lapse of conditional rights to 2,950,000 options due to unmet conditions. This development could impact the company’s capital structure and may influence investor perceptions regarding the company’s financial strategies and operational execution.

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.

Credit Clear Limited on Track for Strong FY25 Earnings Amid Strategic Growth Initiatives
May 26, 2025

Credit Clear Limited is on track to achieve its earnings guidance for FY25, with strong earnings growth and a focus on expanding client revenue. Despite a slight revision in revenue guidance due to external factors, the company anticipates record revenues for May and June 2025. Credit Clear is also engaging in cost rationalization and process improvements to enhance productivity and service delivery. The company is exploring potential acquisitions and remains open to opportunities that align with its growth objectives, while maintaining a strong balance sheet and considering capital management strategies to maximize shareholder value.

The most recent analyst rating on (AU:CCR) stock is a Buy with a A$0.51 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.

TIGA Trading Increases Stake in Credit Clear Limited
May 22, 2025

TIGA Trading Pty Ltd has increased its stake in Credit Clear Limited, as indicated by a change in substantial holding from 16.37% to 17.50%. This adjustment in voting power reflects a series of market purchases by TIGA Trading and associated entities, potentially signaling confidence in Credit Clear’s market position and future prospects.

The most recent analyst rating on (AU:CCR) stock is a Buy with a A$0.51 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.

Thorney Technologies Increases Stake in Credit Clear Limited
May 22, 2025

Credit Clear Limited, a company listed on the ASX, has experienced a change in the interests of its substantial holder, Thorney Technologies Ltd. This change, effective from May 20, 2025, involves several market purchases by Thorney Technologies and its associated entities, increasing their voting power from 16.37% to 17.50%. This adjustment in shareholding reflects Thorney Technologies’ continued investment interest in Credit Clear Limited, potentially impacting the company’s market position and stakeholder dynamics.

The most recent analyst rating on (AU:CCR) stock is a Buy with a A$0.51 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: Jul 23, 2025