Complii Fintech Solutions Ltd (CF1) AI Stock Analysis

• Market Cap: AU$14.77M
• Dividend Yield: N/A
• Average Volume (3M): 560.38K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.18
• 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: 563,885
• 30 Day Avg. Volume: 560,377
• PEG Ratio: 0.10
• Price to Book (P/B): 2.85
• Price to Sales (P/S): 1.48
• P/FCF Ratio: -11.54
• 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: 1

• Rating: 49 Neutral
• Price Target: AU$0.00 ▼(-100.00% Downside)

The overall stock score is primarily influenced by financial performance challenges, including profitability and cash flow issues. Technical analysis provides some support with positive price trends, but valuation concerns due to negative earnings weigh heavily on the score.

Complii Fintech Solutions Ltd Business Overview & Revenue Model

Company Description

Complii 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 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

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

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

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

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.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	4.71M	9.64M	6.32M	6.69M	8.64M	2.02M
Gross Profit	216.93K	947.71K	5.46M	-2.49M	1.58M	-1.40M
EBITDA	-1.45M	-2.51M	-4.40M	-5.31M	-615.42K	-4.68M
Net Income	-1.49M	-2.70M	-10.22M	-5.45M	114.94K	-4.19M
Balance Sheet
Total Assets	7.50M	7.50M	15.97M	18.94M	13.23M	4.38M
Cash, Cash Equivalents and Short-Term Investments	2.05M	2.05M	1.94M	5.80M	5.74M	4.00M
Total Debt	451.51K	451.51K	398.30K	647.15K	893.29K	125.41K
Total Liabilities	2.49M	2.49M	8.83M	2.67M	2.26M	767.37K
Stockholders Equity	5.01M	5.01M	7.14M	16.27M	10.96M	3.61M
Cash Flow
Free Cash Flow	-600.44K	-1.24M	-3.12M	-1.75M	872.72K	-2.05M
Operating Cash Flow	-598.06K	-1.23M	-3.11M	-1.71M	995.85K	-2.03M
Investing Cash Flow	-7.59K	1.89M	-187.94K	1.24M	540.51K	1.98K
Financing Cash Flow	-229.36K	-545.77K	-534.83K	536.89K	201.88K	5.87M

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 44.16 is Neutral, neither overbought nor oversold. The STOCH value of -60.00 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
CF1	49 Neutral	AU$14.77M	―	-42.66%	―	31.31%	75.00%
AMX	46 Neutral	AU$19.47M	―	-31.01%	―	-3.43%	-40.65%
PFM	44 Neutral	AU$7.02M	―	-29.77%	―	36.72%	20.00%
AER	40 Underperform	AU$4.57M	―	-47.62%	―	29.51%	-3.61%
ID8	38 Underperform	AU$8.23M	―	-217.63%	―	3.91%	46.67%

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.