Complii Fintech Solutions Ltd (CF1) AI Stock Analysis

• Market Cap: AU$13.66M
• Dividend Yield: N/A
• Average Volume (3M): 698.51K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.46
• 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: 593,890,700
• 10 Day Avg. Volume: 926,439
• 30 Day Avg. Volume: 698,509
• 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: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 51 Neutral
• Price Target: AU$0.03 ▲(40.00% 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

Strong revenue growth indicates expanding market reach and successful product adoption, enhancing long-term business prospects.

Business Model

A subscription-based model provides predictable revenue streams and customer retention, supporting sustainable growth.

Balance Sheet Health

Low leverage enhances financial flexibility and reduces risk, supporting long-term operational stability.

Negative Factors

Profitability Challenges

Ongoing profitability issues can hinder reinvestment in growth and innovation, impacting long-term competitiveness.

Cash Flow Issues

Negative cash flow limits the company's ability to invest in growth opportunities and manage financial obligations.

Return on Equity

Negative ROE suggests inefficient use of equity capital, which can deter investment and affect long-term growth potential.

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

CF1 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

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	9.64M	9.64M	6.32M	6.69M	8.64M	2.02M
Gross Profit	947.71K	947.71K	5.46M	-2.49M	1.58M	-1.40M
EBITDA	-2.40M	-2.51M	-4.40M	-5.31M	-615.42K	-4.68M
Net Income	-2.70M	-2.70M	-10.22M	-5.45M	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	-1.24M	-1.24M	-3.12M	-1.75M	872.72K	-2.05M
Operating Cash Flow	-1.23M	-1.23M	-3.11M	-1.71M	995.85K	-2.03M
Investing Cash Flow	1.89M	1.89M	-187.94K	1.24M	540.51K	1.98K
Financing Cash Flow	-545.77K	-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 39.79 is Neutral, neither overbought nor oversold. The STOCH value of -83.33 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	51 Neutral	AU$13.66M	-5.11	-42.66%	―	31.31%	75.00%
AMX	48 Neutral	AU$23.75M	-3.61	-31.01%	―	-3.43%	-40.65%
PFM	42 Neutral	AU$1.99M	-5.25	-29.77%	―	36.72%	20.00%
AER	40 Underperform	AU$5.55M	-8.26	-47.62%	―	29.51%	-3.61%
ID8	38 Underperform	AU$4.94M	-2.08	-217.63%	―	3.91%	46.67%

Complii Fintech Solutions Ltd Corporate Events

Complii Fintech Solutions Ltd Announces Quotation of New Securities on ASX

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.

Complii FinTech Solutions Ltd AGM Resolutions Passed

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.

Complii FinTech Solutions Reports Q1 FY26 Growth and Upcoming CRM Launch

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.

Complii FinTech Solutions Announces 2025 Annual General Meeting Details

Complii FinTech Solutions Ltd has announced its upcoming Annual General Meeting, scheduled for 27 November 2025. Shareholders have been informed about the meeting details, including how to access the Notice of Meeting and Annual Report online. The company encourages shareholders to lodge their proxy votes online before the meeting, emphasizing the importance of digital engagement and streamlined communication with stakeholders.