Complii Fintech Solutions Ltd (CF1) AI Stock Analysis

• Market Cap: AU$13.71M
• Dividend Yield: N/A
• Average Volume (3M): 664.12K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.83
• Revenue Growth: -23.80%
• EPS Growth: -33.62%
• Country: AU
• Employees: 55
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): -0.01
• Shares Outstanding: 571,393,600
• 10 Day Avg. Volume: 776,693
• 30 Day Avg. Volume: 664,118
• PEG Ratio: <0.01
• Price to Book (P/B): 6.68
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -62.10
• 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: 45 Neutral
• Price Target: AU$0.00 ▼(-100.00%Downside)

The overall score reflects significant financial challenges, including declining revenues and negative cash flows, which are the most critical factors. Technical indicators are neutral, providing little direction, while valuation metrics are weak due to negative earnings. The absence of earnings call and corporate event data limits further analysis.

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 generates revenue primarily through the sale of its software solutions to financial institutions. The company employs a subscription-based revenue model, where clients pay recurring fees to access Complii's suite of digital compliance and risk management tools. Additionally, Complii may derive income from offering customized solutions and professional services, including implementation support and consulting. Significant partnerships with financial institutions and other fintech firms can also contribute to revenue by expanding market reach and integrating services into broader financial ecosystems.

Complii Fintech Solutions Ltd Financial Statement Overview

Summary

Complii Fintech Solutions Ltd is facing financial difficulties with declining revenues, persistent net losses, and cash flow challenges. The negative net debt is a positive aspect, but rising leverage and decreased stockholders' equity highlight potential risks. The company needs to address operational inefficiencies and improve cash flow management to enhance financial stability.

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	TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	7.40M	6.32M	7.93M	8.64M	2.02M	160.13K
Gross Profit	3.21M	5.46M	-2.49M	1.58M	-1.40M	-2.07M
EBITDA	-2.90M	-4.40M	-5.31M	-615.42K	-4.68M	-1.40M
Net Income	-8.93M	-10.22M	-5.45M	114.94K	-4.19M	-1.05M
Balance Sheet
Total Assets	8.52M	15.97M	18.94M	13.23M	4.38M	112.88K
Cash, Cash Equivalents and Short-Term Investments	2.89M	1.94M	5.80M	5.74M	4.00M	85.75K
Total Debt	127.23K	398.30K	647.15K	893.29K	123.44K	266.67K
Total Liabilities	2.35M	8.83M	2.67M	2.26M	767.37K	568.29K
Stockholders Equity	6.18M	7.14M	16.27M	10.96M	3.61M	-455.41K
Cash Flow
Free Cash Flow	-1.74M	-3.12M	-1.75M	872.72K	-2.05M	-1.04M
Operating Cash Flow	-1.74M	-3.11M	-1.71M	995.85K	-2.03M	-1.03M
Investing Cash Flow	1.90M	-187.94K	1.24M	540.51K	1.98K	28.45K
Financing Cash Flow	-558.41K	-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: Negative
• RSI: Neutral
• STOCH: 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 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 44.08 is Neutral, neither overbought nor oversold. The STOCH value of 22.22 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	50 Neutral	C$2.97B	1.83	-63.12%	2.59%	11.24%	-12.42%
CF1	45 Neutral	AU$13.71M	―	-37.21%	―	-23.80%	-33.62%
RCL		AU$16.13M	―	-1.14%	―	―	―
PFM	47 Neutral	AU$15.19M	―	-25.95%	―	26.33%	31.67%
AMX	44 Neutral	AU$20.42M	―	-24.21%	―	-11.35%	-49.13%
AER	40 Underperform	AU$5.45M	―	-21.13%	―	22.88%	24.59%
ID8	38 Underperform	AU$4.67M	―	-126.89%	―	-19.29%	41.67%

Complii Fintech Solutions Ltd Corporate Events

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.

Complii FinTech Solutions Releases Q3 FY25 Activities Report

Complii FinTech Solutions Ltd has released its Quarterly Activities Report for Q3 FY25, highlighting its continued role as a key player in the financial technology sector. The report underscores the company’s commitment to enhancing its SaaS platform, which supports capital markets participants in compliance and risk management, potentially strengthening its market position and offering value to stakeholders.