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Credit Clear Limited
(Sydney:CCR)
Credit Clear Limited (CCR) vs. iShares MSCI Australia ETF (EWA)
Credit Clear Limited Business Overview & Revenue Model
Credit Clear Limited Financial Statement Overview
| 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
Credit Clear Limited Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
67 Neutral | AU$54.60M | 15.13 | 10.79% | 4.66% | 14.59% | -11.13% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
61 Neutral | AU$106.89M | 17.23 | 5.74% | ― | 11.72% | ― | |
56 Neutral | AU$74.39M | 44.74 | 4.26% | ― | 11.90% | 42.11% | |
46 Neutral | AU$40.44M | 67.27 | -1.89% | 3.45% | 2.06% | -277.78% | |
45 Neutral | AU$240.82M | -3.57 | -32.98% | ― | -5.87% | -540.18% | |
37 Underperform | AU$12.98M | -2.70 | -61.51% | ― | -2.50% | 23.44% |
Credit Clear Limited Corporate Events
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 transaction would be conducted under separate, formal disclosure materials prepared in line with applicable laws.
The company underscores extensive disclaimers around the accuracy and completeness of the information, the absence of any obligation to update it, and the inherent risks and uncertainties surrounding forward-looking statements. Investors are cautioned not to rely on past performance or forward-looking comments as guarantees, reinforcing that any investment decisions should be made independently, possibly with professional advice.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.24 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.
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 company closed the period with $20.9 million in cash, as direct digital payments jumped 29% to $84.4 million and active debt files increased to 3.0 million, underscoring the scalability of its digital model and disciplined cost control.
Recent acquisitions of SaaS collections provider DTS and UK-based ARC Europe significantly broaden Credit Clear’s addressable market, adding blue-chip relationships, a strong UK footprint and new capabilities in early-stage digital collections. Management expects these deals to be earnings-accretive from the first full year, drive geographic expansion, unlock revenue and cost synergies and support FY26 guidance of $57.0–$59.0 million in revenue and $9.5–$10.5 million in underlying EBITDA, reinforcing the group’s position in tech-enabled debt recovery.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.24 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 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 did not declare any dividends and strengthened its balance sheet with net tangible assets per share rising to $0.07 from $0.03, while also completing post-period acquisitions of ARC Europe Ltd and Illion Digital Tech Solutions Holding Limited, moves that are expected to expand its operational scale and enhance its technology capabilities in receivables management.
The improved financial performance and higher asset backing suggest Credit Clear is progressing toward greater operating efficiency despite remaining loss-making. The subsequent acquisitions indicate an aggressive growth and consolidation strategy within the digital collections and credit technology sector, with potential implications for increased market share and enhanced services for clients across Europe and digital credit technology markets.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.24 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 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 that these shares were issued without a prospectus in reliance on statutory disclosure exemptions, and stated that it remains compliant with its continuous disclosure and financial reporting obligations, with no excluded information requiring disclosure, thereby supporting regulatory transparency around the ARC transaction and its impact on the company’s capital structure.
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, 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’s quoted share base, potentially affecting liquidity and ownership structure for existing and new shareholders.
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 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 Canada. DTS brings a 35-year track record, a blue-chip Tier 1 client base and FY26 year-to-date annualised revenue of $10 million with EBITDA of $1.2 million, and the deal is expected to be earnings accretive in its first year. By adding DTS’ voice-enabled, self-service digital payments and collections technology to its existing AI-driven platform, Credit Clear significantly broadens its digital offering, increases its digital collections share of annualised revenue from 5% to 17%, diversifies into new geographies and sectors, and follows a similar integration strategy to its successful ARMA acquisition, positioning the company for greater scale and international growth.
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 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 41.7 million ordinary shares following the issue of 32 million new shares for $8 million. The new shares were issued pursuant to a resolution passed at a general meeting on 27 January 2026, signalling a significant capital injection and deeper alignment of the director’s interests with shareholders, which may be viewed as a vote of confidence in the company’s prospects and governance, albeit with a corresponding increase in director ownership concentration.
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 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 disclosure document in reliance on provisions of the Corporations Act, and stated it is up to date with its financial reporting and continuous disclosure obligations, with no excluded information requiring disclosure, signalling regulatory compliance and transparency for investors.
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 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’s quoted share base, potentially increasing liquidity for investors and reflecting ongoing capital-related activity disclosed earlier to the market.
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 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 securities under the company’s employee incentive plan and the ratification and approval of placement share issues, including Tranche 2 placement shares to related party Paul Dwyer. The decisive backing of these measures provides the company with continued flexibility to incentivise staff and access equity capital, reinforcing its financial and governance framework as it pursues growth in the digital billing and collections market.
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 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 568,702 ordinary shares to 19,190,611 shares after vested share rights under the company’s FY24 long-term incentive and FY25 short-term incentive plans were converted into equity at no cash consideration, reflecting the execution of shareholder-approved remuneration structures that further align the director’s interests with those of investors.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 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 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 cessation of these performance-based rights and options marginally reduces the company’s pool of potential equity instruments on issue, with implications for future dilution, employee or executive incentive structures, and capital management settings, but does not directly affect current ordinary shareholders’ holdings.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 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 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 that the shares were issued without a prospectus under the relevant Corporations Act provisions and that it remains compliant with continuous disclosure and financial reporting obligations, with no excluded information requiring disclosure, signalling regulatory adherence and transparency for investors.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 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 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 securities, arising from the exercise or conversion of existing options or other convertible securities, will expand the company’s listed share base and may modestly impact ownership dispersion and liquidity for current shareholders.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 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 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 consideration details and to include an additional security class in the updated submission, with a new application to be lodged. The move reflects an administrative adjustment rather than a change in strategic direction but signals the company’s effort to ensure accurate disclosure and compliance with listing requirements, a point of relevance for investors tracking its capital structure and new security issuances.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 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 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 confirmed that the issue was conducted without a prospectus under the Corporations Act’s disclosure exemptions, that it remains compliant with its financial reporting and continuous disclosure obligations, and that there is no undisclosed price-sensitive information related to this share issue, providing regulatory clarity and transparency for existing and new shareholders.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 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 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 other convertible instruments, will modestly expand the company’s free float and may enhance trading liquidity, representing incremental capital formation for the fintech receivables specialist without altering its core operations.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 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 has confirmed that completion of its acquisition of UK-based ARC Europe Ltd is expected on or around 1 January 2026, following satisfaction of all conditions, including approval from the UK Financial Conduct Authority. ARC, a longstanding debt collection provider with clients across financial services, health and leisure, insurance and utilities, generated FY25 revenue of $8.8 million and EBITDA of $1.2 million, and the deal is expected to be earnings accretive in Credit Clear’s first full year of ownership. Management expects the acquisition to deliver operational efficiencies, cross-selling opportunities and a platform for geographic expansion into the UK and broader European collections markets, with ARC’s co-founders remaining in their roles to support integration alongside Credit Clear’s recent DTS acquisition.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 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 has convened a physical-only general meeting of shareholders to be held at its Melbourne office on 27 January 2026, with key meeting materials including the notice of meeting, agenda, explanatory memorandum and personalised proxy forms being dispatched to investors. The announcement underscores the company’s reliance on in-person shareholder engagement for governance matters and ensures investors are formally informed and able to exercise their voting rights via proxy if they cannot attend.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 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 announced the acquisition of DTS, a SaaS collections business operating globally with a 35-year track record. The acquisition, valued at A$7.75 million, is expected to enhance Credit Clear’s digital offerings by incorporating DTS’ voice capabilities, expanding its client base of Blue-Chip companies, and diversifying operations across geographic regions. By complementing prior acquisitions and enabling cross-selling opportunities, this transaction anticipates accelerating revenue growth, optimizing services through technology integration, and driving significant benefits for both clients and the company.
The most recent analyst rating on (AU:CCR) stock is a Hold with a A$0.27 price target. To see the full list of analyst forecasts on Credit Clear Limited stock, see the AU:CCR Stock Forecast page.