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Complii Fintech Solutions Ltd (AU:CF1)
ASX:CF1
Australian Market

Complii Fintech Solutions Ltd (CF1) AI Stock Analysis

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AU:CF1

Complii Fintech Solutions Ltd

(Sydney:CF1)

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Neutral 44 (OpenAI - 5.2)
Rating:44Neutral
Price Target:
AU$0.02
▲(0.00% Upside)
Action:ReiteratedDate:02/07/26
The score is held down primarily by weak financial performance driven by ongoing losses and negative cash flow, despite strong revenue growth and low leverage. Technical indicators also point to bearish trend and momentum. Valuation is not supportive because the negative P/E is loss-driven and no dividend yield is available.
Positive Factors
Strong revenue growth
A 30%+ top-line expansion demonstrates sustained customer demand and successful sales/market execution. Over a multi-quarter horizon this revenue momentum can enable operating leverage as fixed costs are spread, supporting future margin recovery if cost control improves.
Conservative leverage
Low debt levels reduce interest burden and increase financial flexibility, allowing the company to fund product investment or weather revenue volatility without urgent refinancing. This conservatism supports durability through economic cycles and strategic initiatives.
Healthy equity ratio
A healthy equity base provides a cushion against losses and preserves solvency, enabling longer runway for executing growth strategies. Robust equity ratios make future capital raises less dilutive and improve credibility with partners and customers over time.
Negative Factors
Negative profitability
Persistent negative EBIT and net margins indicate the core business is not currently generating operating profits. Over months this limits retained earnings, constrains reinvestment, and increases reliance on external capital to fund growth until margins sustainably improve.
Negative operating and free cash flow
Declining and negative operating and free cash flow erode liquidity and shorten runway, forcing management to prioritise financing over organic investment. Structurally, this creates dependency on external funding and raises execution risk for multi-quarter growth plans.
Negative return on equity
A negative ROE shows capital is destroying rather than creating shareholder value. Over a sustained period this hampers investor confidence, may necessitate equity issuance, and signals the business model or cost structure needs fundamental adjustment to achieve durable profitability.

Complii Fintech Solutions Ltd (CF1) vs. iShares MSCI Australia ETF (EWA)

Complii Fintech Solutions Ltd Business Overview & Revenue Model

Company DescriptionComplii FinTech Solutions Ltd, together with its subsidiaries, provides financial solutions in Australia and internationally. It offers Complii Advisor Bid, which enables automated distribution and acceptance of corporate deals through advisors and brokers; and Account Fast, an account opening App for clients. The company also operates Corporate Highway which allows distribution of capital raisings; ThinkCaddie, a platform that helps advisers and AFSLs meet their legislated continuing professional development (CPD) obligations to finance industry; Boom, an online administration and paraplanning software; and PrimaryMarkets, an off-market-trading platform that allows trading by private equity investors to create liquidity for equity in private/unlisted companies and funds as well as those entities raising new capital. Complii FinTech Solutions Ltd is headquartered in Sydney, Australia.
How the Company Makes MoneyCF1 generates revenue primarily through subscription-based models for its software solutions, which offer ongoing access to its compliance platforms and tools. The company may also earn money through transaction fees for services provided to its clients, such as real-time data verification and reporting. Significant partnerships with financial institutions and regulatory bodies can amplify its revenue potential by expanding its client base and enhancing its product offerings. Additionally, the company might explore revenue opportunities through consulting services, providing expert advice on regulatory compliance and risk management strategies.

Complii Fintech Solutions Ltd Financial Statement Overview

Summary
Strong recent revenue growth (30.16%) is outweighed by weak profitability (negative net profit and EBIT margins) and deteriorating cash generation (negative operating and free cash flow). Balance sheet leverage is conservative, but negative ROE and ongoing losses pressure overall quality.
Income Statement
45
Neutral
Complii Fintech Solutions Ltd has shown a significant revenue growth rate of 30.16% in the most recent year, indicating strong top-line growth. However, the company struggles with profitability, as evidenced by negative net profit margins and EBIT margins. The gross profit margin has also decreased significantly compared to previous years, reflecting challenges in cost management.
Balance Sheet
55
Neutral
The company maintains a low debt-to-equity ratio, suggesting conservative leverage and financial stability. However, the return on equity is negative, indicating that the company is not generating sufficient returns on shareholders' equity. The equity ratio remains healthy, but the overall financial health is impacted by ongoing losses.
Cash Flow
40
Negative
Complii Fintech Solutions Ltd faces challenges with negative operating cash flow and free cash flow, which have both declined over the past year. The free cash flow to net income ratio is slightly above 1, indicating that cash flow is somewhat aligned with net income, but the negative growth in free cash flow is concerning.
BreakdownTTMJun 2025Jun 2024Jun 2023Jun 2022Jun 2021
Income Statement
Total Revenue8.11M9.64M6.32M6.69M8.64M2.02M
Gross Profit3.16M947.71K5.46M-2.49M1.58M-1.40M
EBITDA-3.70M-2.51M-4.40M-5.31M-615.42K-4.68M
Net Income-2.84M-2.70M-10.22M-5.45M114.94K-4.19M
Balance Sheet
Total Assets6.24M7.50M15.97M18.94M13.23M4.38M
Cash, Cash Equivalents and Short-Term Investments1.03M2.05M1.94M5.80M5.74M4.00M
Total Debt354.63K451.51K398.30K647.15K893.29K125.41K
Total Liabilities2.07M2.49M8.83M2.67M2.26M767.37K
Stockholders Equity4.18M5.01M7.14M16.27M10.96M3.61M
Cash Flow
Free Cash Flow-1.25M-1.24M-3.12M-1.75M872.72K-2.05M
Operating Cash Flow-1.22M-1.23M-3.11M-1.71M995.85K-2.03M
Investing Cash Flow-186.36K1.89M-187.94K1.24M540.51K1.98K
Financing Cash Flow-446.21K-545.77K-534.83K536.89K201.88K5.87M

Complii Fintech Solutions Ltd Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.02
Price Trends
50DMA
0.02
Negative
100DMA
0.02
Negative
200DMA
0.02
Negative
Market Momentum
MACD
>-0.01
Negative
RSI
39.79
Neutral
STOCH
50.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:CF1, the sentiment is Negative. The current price of 0.02 is equal to the 20-day moving average (MA) of 0.02, below the 50-day MA of 0.02, and below the 200-day MA of 0.02, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 39.79 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 Negative sentiment for AU:CF1.

Complii Fintech Solutions Ltd Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
61
Neutral
$37.18B12.37-10.20%1.83%8.50%-7.62%
48
Neutral
AU$31.35M-6.80-31.01%-3.43%-40.65%
48
Neutral
AU$7.11M-18.20-47.62%29.51%-3.61%
46
Neutral
AU$3.42M-8.18-29.77%36.72%20.00%
44
Neutral
AU$12.51M-4.29-42.66%31.31%75.00%
43
Neutral
AU$6.66M-2.22-217.63%3.91%46.67%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:CF1
Complii Fintech Solutions Ltd
0.02
>-0.01
-16.00%
AU:RCL
ReadCloud Ltd.
0.09
>-0.01
-9.38%
AU:AMX
Aerometrex Ltd.
0.33
0.04
13.79%
AU:PFM
Cape Range Ltd.
0.04
-0.05
-60.00%
AU:AER
Aeeris Ltd
0.09
0.03
40.00%
AU:ID8
Identitii Ltd.
0.01
0.00
0.00%

Complii Fintech Solutions Ltd Corporate Events

Complii FinTech Files Half-Year Interim Financial Report
Feb 27, 2026

Complii FinTech Solutions Ltd has released its Interim Financial Report and Appendix 4D for the half year ended 31 December 2025, providing investors with an update on the company’s financial performance and position over the period. The lodging of the interim report signals continued regulatory compliance and transparency for the ASX-listed regtech provider, giving shareholders and market participants access to detailed half-year financial information that will inform their assessment of the company’s progress and outlook.

The release, authorised by the board, underscores Complii’s adherence to ASX reporting obligations and governance standards, reinforcing its standing as a listed financial technology company serving the capital markets sector. By making its half-year results publicly available, the company maintains engagement with investors and other stakeholders who rely on timely disclosures to monitor operational developments and evaluate strategic execution.

The most recent analyst rating on (AU:CF1) stock is a Hold with a A$0.02 price target. To see the full list of analyst forecasts on Complii Fintech Solutions Ltd stock, see the AU:CF1 Stock Forecast page.

Complii requests ASX trading halt ahead of convertible note raising
Feb 27, 2026

Complii FinTech Solutions Ltd has requested a trading halt in its securities on the ASX as it prepares an announcement regarding a proposed convertible note raising. Trading in CF1 shares will be suspended until either the company releases details of the capital raising or normal trading resumes on 4 March 2026, signalling that the fintech is moving to secure new funding that could affect its capital structure and investor base.

The company has stated it is not aware of any reason the halt should be refused and has confirmed there is no additional information required to inform the market about the request. While specific terms of the proposed convertible note issue have not yet been disclosed, the move underscores management’s use of hybrid financing to support its growth or operational plans, a step that existing shareholders and potential investors will watch closely for dilution and strategic implications.

The most recent analyst rating on (AU:CF1) stock is a Hold with a A$0.02 price target. To see the full list of analyst forecasts on Complii Fintech Solutions Ltd stock, see the AU:CF1 Stock Forecast page.

Complii Updates Market on Lapse of Director Craig Mason’s Performance Rights
Feb 3, 2026

Complii FinTech Solutions Ltd has reported a change in the indirect interests of director Craig Mason, held via Marshall William Holdings Pty Ltd as trustee for the CSKM Family Trust. As of 31 January 2026, 4 million of Mason’s performance rights have lapsed, reducing his indirect holding from 29 million to 25 million performance rights, while his indirect ownership of 52.95 million fully paid ordinary shares remains unchanged. The change reflects an adjustment arising from the lapse of performance-based securities rather than a trade or disposal of shares, and does not involve any consideration or alteration to contractual interests, suggesting limited immediate impact on the company’s capital structure but clarifying the director’s incentive position for investors.

The most recent analyst rating on (AU:CF1) stock is a Hold with a A$0.02 price target. To see the full list of analyst forecasts on Complii Fintech Solutions Ltd stock, see the AU:CF1 Stock Forecast page.

Complii Fintech Cancels 6 Million Unvested Performance Rights
Feb 3, 2026

Complii Fintech Solutions Ltd has announced the lapse of 6 million performance rights, which have ceased due to the relevant vesting conditions not being met or becoming incapable of being satisfied as at 31 January 2026. The cancellation of these conditional securities slightly reduces the company’s potential future share dilution and may reflect a reassessment of performance hurdles or changing circumstances around management or employee incentive structures, though it does not alter the company’s existing issued share capital.

The most recent analyst rating on (AU:CF1) stock is a Hold with a A$0.02 price target. To see the full list of analyst forecasts on Complii Fintech Solutions Ltd stock, see the AU:CF1 Stock Forecast page.

Complii lifts quarterly revenue and launches rebuilt compliance CRM as capital raising volumes grow
Jan 28, 2026

In the December quarter of FY26, Complii reported solid operational and financial momentum, with group annual recurring revenue rising 3.4% quarter-on-quarter and 6.6% year-on-year (excluding Registry Direct), supported by growth in its core Complii business and a strong rebound in receipts from customers to $2.021 million, up 34.1% on the prior quarter. The group remained debt-free, held $1.029 million in cash at 31 December 2025, and booked total revenue and other income of $3.32 million including a $1.217 million R&D rebate, while generating a net operating cash inflow of $384,000. Operationally, approximately 7,452 billion in new capital funds were raised on the Complii platform across 1,077 offerings, and the company reached a major milestone with the Stage 1 release of its rebuilt compliance-driven CRM, designed to enhance performance, user experience and modular subscription options, which positions the platform to target new markets that require specific compliance functions such as staff trading, AML checks and compliance registers, and underpins ongoing discussions with tier-one clients expected to convert in the following quarter.

The most recent analyst rating on (AU:CF1) stock is a Hold with a A$0.02 price target. To see the full list of analyst forecasts on Complii Fintech Solutions Ltd stock, see the AU:CF1 Stock Forecast page.

Complii Updates Market on Director Craig Mason’s Lapsed Performance Rights
Jan 2, 2026

Complii FinTech Solutions Ltd has disclosed a change in director Craig Mason’s indirect interests, following the lapse of a tranche of performance rights held via a family trust structure. Mason’s indirect holding remains at 52,950,000 fully paid ordinary shares, while his performance rights have decreased by 8,000,000 to 29,000,000 across six remaining classes, all still subject to performance milestones. The change, which did not involve any on-market trading or consideration, reflects an adjustment in his incentive-based exposure rather than his equity stake, offering investors clarity on the director’s evolving remuneration-linked interests and alignment with company performance.

The most recent analyst rating on (AU:CF1) stock is a Hold with a A$0.03 price target. To see the full list of analyst forecasts on Complii Fintech Solutions Ltd stock, see the AU:CF1 Stock Forecast page.

Complii Fintech Performance Rights Lapse, Reducing Potential Dilution
Jan 2, 2026

Complii Fintech Solutions Ltd has announced the lapse of 11.5 million performance rights, which ceased on 31 December 2025 after the conditions attached to those rights were not met or became incapable of being satisfied. The cessation of these conditional securities effectively reduces potential future dilution for existing shareholders and may signal a reassessment of prior performance or incentive hurdles, though it does not alter the company’s current issued share capital structure beyond removing these unvested rights.

The most recent analyst rating on (AU:CF1) stock is a Hold with a A$0.03 price target. To see the full list of analyst forecasts on Complii Fintech Solutions Ltd stock, see the AU:CF1 Stock Forecast page.

Complii FinTech Issues Shares on Exercise of Performance Rights
Dec 31, 2025

Complii FinTech Solutions has issued 73,023 fully paid ordinary shares following the vesting and exercise of unquoted performance rights under its Incentive Performance Rights Plan, slightly increasing its share capital base. The company has confirmed that these shares were issued without a prospectus under the Corporations Act and that, as at the date of the notice, it remains compliant with its financial reporting and continuous disclosure obligations, enabling secondary trading of the new shares under the relevant statutory exemptions.

The most recent analyst rating on (AU:CF1) stock is a Hold with a A$0.03 price target. To see the full list of analyst forecasts on Complii Fintech Solutions Ltd stock, see the AU:CF1 Stock Forecast page.

Complii Fintech Adds 73,023 New Shares to ASX Quotation
Dec 31, 2025

Complii Fintech Solutions Ltd has applied for quotation on the ASX of 73,023 new fully paid ordinary shares, to be issued on 31 December 2025 under its existing CF1 ticker. The relatively small share issue, arising from the conversion or exercise of existing securities, marginally increases the company’s free float and capital base, but does not signal any material change to its operations, strategy or market positioning at this stage.

The most recent analyst rating on (AU:CF1) stock is a Hold with a A$0.03 price target. To see the full list of analyst forecasts on Complii Fintech Solutions Ltd stock, see the AU:CF1 Stock Forecast page.

Complii Issues New Shares on Exercise of Performance Rights
Dec 19, 2025

Complii FinTech Solutions Ltd has issued 1,649,673 fully paid ordinary shares following the exercise of unquoted performance rights that vested under its Incentive Performance Rights Plan. The company has confirmed that these new shares are eligible for secondary trading under the Corporations Act exemption provisions, signalling ongoing compliance with financial reporting and continuous disclosure requirements and resulting in a modest increase to its share base for eligible participants.

The most recent analyst rating on (AU:CF1) stock is a Hold with a A$0.03 price target. To see the full list of analyst forecasts on Complii Fintech Solutions Ltd stock, see the AU:CF1 Stock Forecast page.

Complii Fintech Seeks ASX Quotation for 1.65m New Shares
Dec 19, 2025

Complii Fintech Solutions Ltd has applied for quotation on the ASX of 1,649,673 new fully paid ordinary shares, to be issued on 19 December 2025 following the exercise or conversion of existing options or other convertible securities. The incremental listing expands the company’s quoted share base, reflecting the utilisation of previously granted equity instruments and marginally increasing liquidity for shareholders, though without further operational or strategic detail disclosed in the filing.

The most recent analyst rating on (AU:CF1) stock is a Hold with a A$0.03 price target. To see the full list of analyst forecasts on Complii Fintech Solutions Ltd stock, see the AU:CF1 Stock Forecast page.

Complii Fintech Solutions Issues Performance Rights to Boost Employee Incentives
Dec 16, 2025

Complii Fintech Solutions Ltd announced the issuance of 15,348,582 performance rights as part of an employee incentive scheme. This move is aimed at motivating and retaining key personnel, which could strengthen the company’s operational capabilities and competitive position in the fintech industry.

The most recent analyst rating on (AU:CF1) stock is a Hold with a A$0.03 price target. To see the full list of analyst forecasts on Complii Fintech Solutions Ltd stock, see the AU:CF1 Stock Forecast page.

Complii FinTech Solutions Issues Performance Rights to Employees
Dec 16, 2025

Complii FinTech Solutions Ltd has issued 15,348,582 performance rights to eligible employees under its Incentive Performance Rights Plan for the financial year ending June 30, 2026. This issuance, which excludes key management personnel, follows performance and remuneration reviews for the previous financial year, reflecting the company’s commitment to incentivizing its workforce and aligning their interests with corporate goals.

The most recent analyst rating on (AU:CF1) stock is a Hold with a A$0.03 price target. To see the full list of analyst forecasts on Complii Fintech Solutions Ltd stock, see the AU:CF1 Stock Forecast page.

Complii FinTech Solutions Issues New Shares Following Performance Rights Exercise
Dec 8, 2025

Complii FinTech Solutions Ltd has issued 495,238 fully paid ordinary shares following the exercise of performance rights under its Incentive Performance Rights Plan. This move, compliant with the Corporations Act 2001, allows for the secondary trading of these shares, potentially enhancing liquidity and investor engagement.

The most recent analyst rating on (AU:CF1) stock is a Hold with a A$0.03 price target. To see the full list of analyst forecasts on Complii Fintech Solutions Ltd stock, see the AU:CF1 Stock Forecast page.

Complii Fintech Solutions Ltd Announces New Securities Issuance
Dec 8, 2025

Complii Fintech Solutions Ltd has announced a new issuance of 495,238 fully paid ordinary securities, which will be quoted on the ASX. This move is likely to impact the company’s market presence by potentially increasing its liquidity and attracting more investors, thereby strengthening its position in the fintech industry.

The most recent analyst rating on (AU:CF1) stock is a Hold with a A$0.03 price target. To see the full list of analyst forecasts on Complii Fintech Solutions Ltd stock, see the AU:CF1 Stock Forecast page.

Complii Fintech Solutions Ltd Announces Quotation of New Securities on ASX
Dec 1, 2025

Complii Fintech Solutions Ltd has announced the quotation of 2,709,688 ordinary fully paid securities on the ASX, effective December 1, 2025. This move is part of the company’s strategy to enhance its market presence and operational capabilities, potentially impacting its industry positioning by increasing its financial flexibility and attracting more stakeholders.

The most recent analyst rating on (AU:CF1) stock is a Hold with a A$0.03 price target. To see the full list of analyst forecasts on Complii Fintech Solutions Ltd stock, see the AU:CF1 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: Feb 07, 2026