Complii Fintech Solutions Ltd (CF1) AI Stock Analysis

• Market Cap: AU$14.18M
• Dividend Yield: N/A
• Average Volume (3M): 603.09K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.23
• Revenue Growth: 31.31%
• EPS Growth: 75.00%
• Country: AU
• Employees: 55
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): >-0.01
• Shares Outstanding: 590,685,800
• 10 Day Avg. Volume: 729,329
• 30 Day Avg. Volume: 603,086
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 44 Neutral
• Price Target: AU$0.00 ▼(-100.00% Downside)

The overall stock score is low due to significant financial performance issues, including declining revenues and negative net income. Technical analysis indicates bearish momentum, and valuation metrics are poor, contributing to the low score. Earnings call and corporate events were not factors in this evaluation.

Complii Fintech Solutions Ltd Business Overview & Revenue Model

Company Description

Complii Fintech Solutions Ltd (CF1) is an Australian-based company specializing in financial technology solutions. The company operates within the finance and technology sectors, providing a suite of digital platforms designed to streamline compliance, management, and operational processes for financial services firms. Complii's core products include compliance monitoring tools, automated workflow solutions, and secure communication systems tailored to meet the needs of financial advisors and investment professionals.

How the Company Makes Money

Complii Fintech Solutions Ltd makes money primarily through the subscription and licensing fees charged for its software platforms. The company offers its digital solutions on a Software-as-a-Service (SaaS) basis, providing clients with access to its tools in exchange for recurring payments. Additional revenue streams include customization services, where clients may pay for bespoke adjustments to the software to better fit their specific operational needs, and training services to help financial firms maximize the effectiveness of Complii's solutions. The company may also form strategic partnerships with other financial technology providers to expand its reach and enhance its offerings, contributing to its revenue growth.

Complii Fintech Solutions Ltd Financial Statement Overview

Summary

The company is facing financial difficulties with declining revenues, persistent net losses, and cash flow challenges. Despite a positive net debt position, rising leverage and decreased stockholders' equity highlight significant risks.

Income Statement

The company has shown a declining revenue trend with a significant drop from 2023 to 2024. Gross profit margin has improved from previous losses, but net profit margin remains negative due to substantial net losses. EBIT and EBITDA margins are also negative, indicating operational inefficiencies.

Balance Sheet

The company maintains a negative net debt position, implying more cash than debt, which is positive. However, stockholders' equity has decreased significantly over the years, and the debt-to-equity ratio has increased, indicating rising leverage. The equity ratio remains relatively stable, showing some balance sheet strength.

Cash Flow

Operating cash flow is negative, and free cash flow has worsened over the year, indicating cash generation issues. The free cash flow to net income ratio is skewed due to continual net losses, suggesting cash flow management challenges.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	6.32M	7.93M	8.64M	2.02M	160.13K
Gross Profit	5.46M	-2.49M	1.58M	-1.40M	-2.07M
EBITDA	-4.40M	-5.31M	-615.42K	-4.68M	-1.40M
Net Income	-10.22M	-5.45M	114.94K	-4.19M	-1.05M
Balance Sheet
Total Assets	15.97M	18.94M	13.23M	4.38M	112.88K
Cash, Cash Equivalents and Short-Term Investments	1.94M	5.80M	5.74M	4.00M	85.75K
Total Debt	398.30K	647.15K	893.29K	123.44K	266.67K
Total Liabilities	8.83M	2.67M	2.26M	767.37K	568.29K
Stockholders Equity	7.14M	16.27M	10.96M	3.61M	-455.41K
Cash Flow
Free Cash Flow	-3.12M	-1.75M	872.72K	-2.05M	-1.04M
Operating Cash Flow	-3.11M	-1.71M	995.85K	-2.03M	-1.03M
Investing Cash Flow	-187.94K	1.24M	540.51K	1.98K	28.45K
Financing Cash Flow	-534.83K	536.89K	201.88K	5.87M	325.00K

Complii Fintech Solutions Ltd Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.02
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 below 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 bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 42.65 is Neutral, neither overbought nor oversold. The STOCH value of -66.67 is Positive, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AMX	45 Neutral	19.00M	-2.89	0.00%	―	-3.43%	-40.65%
PFM	44 Neutral	10.06M	-13.25	-30.77%	―	36.72%	20.00%
CF1	44 Neutral	AU$14.18M	―	-42.66%	―	31.31%	75.00%
AER	40 Underperform	4.49M	-7.09	0.00%	―	29.51%	-3.61%
ID8	38 Underperform	6.22M	-1.85	0.00%	―	3.91%	40.00%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%

Complii Fintech Solutions Ltd Corporate Events

Complii FinTech Solutions Issues New Shares to Boost Market Activity

Complii FinTech Solutions Ltd has issued 184,375 fully paid ordinary shares following the exercise of unquoted performance rights under its Incentive Performance Rights Plan. This move, which aligns with the company’s strategic goals, allows for secondary trading of these shares under the exemptions provided by the Corporations Act 2001, potentially enhancing liquidity and investor engagement.

Complii Fintech Solutions Ltd Announces New Securities Quotation

Complii Fintech Solutions Ltd has announced the issuance of 184,375 fully paid ordinary securities, which will be quoted on the ASX under the code CF1. This move reflects the company’s ongoing efforts to expand its market presence and enhance its financial standing, potentially impacting its operations and positioning within the fintech industry.

Complii FinTech Solutions Releases Q4 FY25 Activities Report

Complii FinTech Solutions Ltd has released its Quarterly Activities Report for Q4 FY25, highlighting its ongoing operations and performance. The report underscores the company’s strategic positioning in the fintech industry, focusing on enhancing its SaaS offerings for capital markets. This announcement is significant for stakeholders as it reflects the company’s commitment to innovation and its potential impact on market dynamics.

Complii Fintech Solutions Ltd Announces Cessation of Performance Rights

Complii Fintech Solutions Ltd announced the cessation of 114,286 performance rights due to unmet conditions, impacting its issued capital. This development may affect the company’s financial strategies and stakeholder interests, as it reflects on the company’s ability to meet certain performance benchmarks.

Complii FinTech Director Increases Shareholding

Complii FinTech Solutions Ltd has announced a change in the director’s interest, with Craig Mason acquiring an additional 500,000 shares through an on-market purchase. This acquisition increases his indirect interest to 43,500,000 shares, potentially strengthening his influence and stake in the company.

Complii FinTech Solutions Strengthens Balance Sheet with Early Payment

Complii FinTech Solutions Ltd announced the completion of its services agreement with Registry Direct, following the early receipt of a final payment of $475,000, which was discounted by 5% for early payment. This early payment strengthens Complii’s balance sheet, supporting its growth strategy, while the registry services agreement with Registry Direct remains active.