Credit Clear Limited (CCR) AI Stock Analysis

• Market Cap: AU$89.18M
• Dividend Yield: N/A
• Average Volume (3M): 463.75K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.90
• Revenue Growth: 20.24%
• EPS Growth: 27.33%
• Country: AU
• Employees: N/A
• Sector: Technology
• Sector Strength: 83
• Industry: Information Technology Services
• EPS (TTM): 0.00
• Shares Outstanding: 424,648,650
• 10 Day Avg. Volume: 596,570
• 30 Day Avg. Volume: 463,755
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: AU$0.46
• Price Target Upside: 100.00% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 55 Neutral
• Price Target: AU$0.00 ▼(-100.00%Downside)

Credit Clear Limited's overall stock score is driven by its solid financial performance, particularly in revenue growth and improved cash flow management. However, challenges in profitability and a negative P/E ratio weigh on the valuation score. Technical analysis reflects mixed momentum, contributing to a moderate overall score.

Positive Factors

Client Growth

Continued growth in the group's top-line and 'pipeline' (new client wins) positions the business for a solid growth trajectory towards the medium-term.

Financial Performance

Record revenues are anticipated for May and June 2025.

Industry Opportunities

Underinvestment in technology by incumbents and shift in industry dynamics provides opportunity for CCR to emerge as a sizeable player in the industry.

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 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 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 Money

Credit Clear Limited makes money primarily through its software-as-a-service (SaaS) revenue model. The company charges its clients subscription fees for access to its digital platform, which enables businesses to streamline their receivables management and collections processes. Additionally, Credit Clear generates revenue through performance-based fees tied to successful debt recovery outcomes facilitated by their platform. The company's partnerships with financial institutions and other large enterprises also contribute significantly to its earnings, allowing for broader market penetration and client base expansion.

Credit Clear Limited Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
42.00M	34.95M	21.46M	10.98M	6.47M
	Gross Profit
42.00M	-5.70M	-9.38M	-4.47M	-854.09K
	EBIT
-4.95M	-9.14M	-12.46M	-8.45M	-5.39M
	EBITDA
2.08M	-4.83M	-10.50M	-6.09M	-3.43M
	Net Income Common Stockholders
-4.50M	-11.06M	-11.13M	-8.02M	-4.29M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
18.82M	16.07M	14.37M	11.40M	2.97M
	Total Assets
78.08M	76.84M	74.38M	22.33M	13.86M
	Total Debt
4.27M	5.14M	1.67M	1.10M	1.41M
	Net Debt
-8.87M	-10.93M	-12.70M	-10.30M	-1.32M
	Total Liabilities
18.81M	15.56M	13.99M	5.98M	4.98M
	Stockholders Equity
59.27M	61.29M	60.39M	16.35M	8.87M
Cash Flow		Free Cash Flow
2.16M	-4.54M	-7.36M	-4.54M	-2.21M
	Operating Cash Flow
3.69M	-2.78M	-5.93M	-3.97M	-2.19M
	Investing Cash Flow
-2.20M	-2.04M	-29.30M	-855.00K	-5.25M
	Financing Cash Flow
-346.00K	6.62M	34.69M	13.38M	8.13M

Credit Clear Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.23
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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 0.23 is above the 20-day moving average (MA) of 0.22, above the 50-day MA of 0.22, and below the 200-day MA of 0.28, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 54.22 is Neutral, neither overbought nor oversold. The STOCH value of 50.00 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	62 Neutral	$11.91B	9.99	-7.22%	4.96%	7.31%	-8.91%
CCR	55 Neutral	AU$89.18M	―	-7.65%	―	20.24%	27.33%
HM3			―		―	―	―
2RC		€494.70M	7.41	13.05%	4.72%	―	―
F5L		€120.59M	5.61	7.81%	6.51%	―	―
PPS	57 Neutral	AU$293.79M	28.34	9.89%	1.63%	23.52%	7.96%

Credit Clear Limited Corporate Events

Credit Clear Limited on Track for Strong FY25 Earnings Amid Strategic Growth Initiatives

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

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

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.

Credit Clear Concludes Small Shareholding Sale Facility

Credit Clear Limited has successfully completed its Small Shareholding Sale Facility, allowing shareholders with holdings valued under $500 to sell their shares without incurring brokerage or handling costs. A total of 327,928 shares were sold by 348 shareholders, while 84 shareholders chose to retain their shares. The sale price was set at $0.2269 per share, and payments are scheduled to be made by April 11, 2025. This initiative reflects Credit Clear’s commitment to providing shareholder value and operational efficiency.