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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 51 (OpenAI - 5.2)
Rating:51Neutral
Price Target:
AU$0.02
▲(5.00% Upside)
Complii Fintech Solutions Ltd's overall stock score is primarily influenced by its strong revenue growth and bullish technical indicators. However, significant challenges in profitability and valuation due to ongoing losses and overbought technical conditions temper the overall outlook.
Positive Factors
Revenue Growth
Sustained ~30% top-line growth indicates the business is expanding market adoption and driving recurring revenues. Over 2-6 months this supports investment in product, sales capacity and scale-driven improvements, increasing the odds of eventual margin recovery as fixed costs spread.
Low Leverage
A conservative capital structure gives the company financial resilience and optionality to fund growth or weather downturns without immediate refinancing pressure. This durable advantage preserves strategic flexibility for investments or M&A over the medium term.
Improving EPS Trend
A strong reported EPS growth metric signals operating improvement and potential path toward profitability. If revenue growth persists, continued EPS improvement reflects operating leverage and cost efficiency gains that support sustainable earnings growth over several quarters.
Negative Factors
Profitability
Ongoing net losses and negative margins are structural risks: they limit retained earnings, constrain reinvestment capacity, and increase dependency on external funding. Converting high revenue growth into sustainable profits is necessary for long-term financial viability.
Cash Flow Deficit
Declining and negative operating and free cash flows reduce internal financing for R&D and sales expansion, raising the likelihood of dilutive equity raises or debt. This undermines long-term execution certainty and investor optionality if trends persist.
Margin Compression
Significant gross margin deterioration suggests pricing pressure or rising direct costs, which erodes the scalability of revenue growth. Unless cost structure or pricing power improves, margin compression will make sustained profitability and return on equity difficult to achieve.

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
Complii Fintech Solutions Ltd is experiencing robust revenue growth, yet it faces significant challenges in achieving profitability and positive cash flow. The company maintains a stable balance sheet with low leverage, but the negative return on equity and cash flow issues highlight the need for improved operational efficiency and cost management to enhance financial performance.
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue9.64M9.64M6.32M6.69M8.64M2.02M
Gross Profit947.71K947.71K5.46M-2.49M1.58M-1.40M
EBITDA-2.40M-2.51M-4.40M-5.31M-615.42K-4.68M
Net Income-2.70M-2.70M-10.22M-5.45M114.94K-4.19M
Balance Sheet
Total Assets7.50M7.50M15.97M18.94M13.23M4.38M
Cash, Cash Equivalents and Short-Term Investments2.05M2.05M1.94M5.80M5.74M4.00M
Total Debt451.51K451.51K398.30K647.15K893.29K125.41K
Total Liabilities2.49M2.49M8.83M2.67M2.26M767.37K
Stockholders Equity5.01M5.01M7.14M16.27M10.96M3.61M
Cash Flow
Free Cash Flow-1.24M-1.24M-3.12M-1.75M872.72K-2.05M
Operating Cash Flow-1.23M-1.23M-3.11M-1.71M995.85K-2.03M
Investing Cash Flow1.89M1.89M-187.94K1.24M540.51K1.98K
Financing Cash Flow-545.77K-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
-25.00
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 Negative momentum. The RSI at 39.79 is Neutral, neither overbought nor oversold. The STOCH value of -25.00 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

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%
51
Neutral
AU$12.51M-4.67-42.66%31.31%75.00%
48
Neutral
AU$26.12M-3.97-31.01%-3.43%-40.65%
46
Neutral
AU$3.32M-8.75-29.77%36.72%20.00%
46
Neutral
AU$7.50M-11.16-47.62%29.51%-3.61%
43
Neutral
AU$4.99M-2.08-217.63%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
-19.23%
AU:RCL
ReadCloud Ltd.
0.09
>-0.01
-3.23%
AU:AMX
Aerometrex Ltd.
0.28
>-0.01
-3.51%
AU:PFM
Cape Range Ltd.
0.04
-0.06
-63.16%
AU:AER
Aeeris Ltd
0.10
0.04
60.00%
AU:ID8
Identitii Ltd.
0.01
0.00
0.00%

Complii Fintech Solutions Ltd Corporate Events

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.

Complii FinTech Solutions Ltd AGM Resolutions Passed
Nov 27, 2025

Complii FinTech Solutions Ltd announced that all resolutions at their recent Annual General Meeting were passed by poll, reflecting strong shareholder support. The resolutions included the adoption of the Remuneration Report, the re-election of Director Greg Gaunt, and the adoption of an Incentive Performance Rights Plan, indicating strategic alignment and confidence in the company’s leadership and future plans.

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 Solutions Reports Q1 FY26 Growth and Upcoming CRM Launch
Oct 31, 2025

Complii FinTech Solutions Ltd reported a 4.9% year-on-year increase in Group Annual Recurring Revenue (ARR) for Q1 FY26, with notable growth in its Complii platform by 12.2%. The company raised approximately $4.689 billion in new capital funds through its platform, marking significant engagement with numerous client firms. Additionally, Complii is advancing its operations with the upcoming release of a new CRM system in Q2 FY26, which is expected to enhance user experience and compliance capabilities. The company remains financially stable with $1.508 million in customer receipts and a debt-free status, further bolstered by a recent R&D rebate of $1.217 million.

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: Nov 28, 2025