Clearview Wealth Limited (CVW) AI Stock Analysis

• Market Cap: AU$371.71M
• Dividend Yield: N/A
• Average Volume (3M): 816.59K
• Price to Earnings (P/E): 420.0
• Beta (1Y): -0.10
• Revenue Growth: 0.63%
• EPS Growth: N/A
• Country: AU
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Conglomerates
• EPS (TTM): 0.04
• Shares Outstanding: 628,173,500
• 10 Day Avg. Volume: 490,465
• 30 Day Avg. Volume: 816,594
• PEG Ratio: 2.34
• Price to Book (P/B): 0.85
• Price to Sales (P/S): 12.58
• P/FCF Ratio: -0.22
• 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: AU$0.73
• Price Target Upside: 15.87% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 0.07
• Revenue Forecast (FY): AU$452.00M

• Rating: 56 Neutral
• Price Target: AU$0.55 ▼(-12.54% Downside)
• Action: Reiterated Date: 10/31/25
• Date: Action: Reiterated 10/31/25

The overall stock score is primarily influenced by the company's financial performance challenges, which significantly impact its liquidity and profitability. While technical indicators show a positive trend, the high P/E ratio suggests overvaluation, limiting the stock's appeal. The absence of earnings call data and corporate events means these factors do not influence the score.

Positive Factors

Profit Margins

Despite severe revenue disruption, the company reports positive gross and net margins. Sustained margins suggest the business can price or control costs effectively, preserving cash generation potential as volumes recover and supporting longer-term profitability if revenue stabilizes.

Manageable Leverage

A debt-to-equity near 0.56 indicates moderate leverage and a reasonably stable capital structure. This durability gives financial flexibility to withstand downturns, access financing on reasonable terms, and fund restructuring or strategic initiatives without immediate solvency pressure.

Cash–Earnings Alignment

Free cash flow modestly exceeding net income indicates reported profits have some cash backing rather than being entirely non-cash. That alignment supports credibility of earnings and, if operating cash flows are restored, provides a foundation for sustainable internal funding of operations and investments.

Negative Factors

Revenue Collapse

A ~94% revenue drop is a structural red flag that erodes scale advantages, weakens market position, and limits ability to absorb fixed costs. Rebuilding top-line is critical; prolonged revenue shortfall would impair long-term cash generation, investor confidence, and viability of existing margins.

Operating Cash Flow Weakness

Persistent negative operating cash flow reduces liquidity and forces reliance on external funding or asset sales. Structural cash generation problems constrain investment, increase refinancing risk, and can necessitate cost cuts that damage competitive capabilities over a multi-month horizon.

Low Return on Equity

A ROE around 2.3% signals inefficient use of shareholder capital and limited profit generation from equity. Over time this reduces capacity to self-fund growth or distributions, increases dependence on external capital, and may indicate structural issues in business economics or capital allocation.

Clearview Wealth Limited Business Overview & Revenue Model

Company Description

ClearView Wealth Limited provides life insurance, superannuation, and investments products and services in Australia. It operates through two segments, Life Insurance and Wealth Management. The Life Insurance segment provides life insurance protection products, including term life, permanent disability, trauma and critical illness benefits, child cover, accident covers, income protection, and business expense covers through financial advisers. The Wealth Management segment offers life investment contracts, including ordinary savings, superannuation, and allocated pension products; superannuation and retirement income wraps, and investor directed portfolio service wraps; and managed investment schemes. ClearView Wealth Limited was founded in 1976 and is headquartered in Sydney, Australia.

How the Company Makes Money

Clearview Wealth Limited generates revenue through several key streams. Primarily, the company earns fees from asset management services, which are typically charged as a percentage of assets under management (AUM). Additionally, CVW charges advisory fees for personalized financial planning and consulting services. The firm may also earn commissions from financial products it sells, such as mutual funds, insurance products, or annuities. Significant partnerships with financial institutions or investment platforms can enhance its service offerings and client reach, further contributing to its earnings. Performance-based fees may also be a revenue source, particularly if the firm exceeds specific investment benchmarks, incentivizing strong performance and client retention.

Clearview Wealth Limited Financial Statement Overview

Summary

Clearview Wealth Limited faces significant challenges across its financial statements. The income statement reveals severe revenue declines and inconsistent profitability. The balance sheet is relatively stable but shows low returns on equity. The cash flow statement highlights severe cash flow issues, which could impact the company's liquidity and operational flexibility. Overall, the company needs to address its revenue generation and cash flow management to improve its financial health.

Income Statement

Clearview Wealth Limited has experienced significant volatility in its revenue and profit margins. The most recent year shows a drastic decline in revenue by 94.21%, which is concerning. Gross profit margin and net profit margin have been inconsistent, with the latest figures showing a gross profit margin of 24.75% and a net profit margin of 34.48%, indicating some profitability despite revenue challenges. However, the EBIT and EBITDA margins are unusually high, suggesting potential accounting anomalies or one-time events.

Balance Sheet

The company's balance sheet shows a moderate debt-to-equity ratio of 0.56, indicating manageable leverage. However, the return on equity is low at 2.34%, suggesting inefficiencies in generating returns from equity. The equity ratio is stable, reflecting a solid capital structure, but the company's ability to generate returns remains a concern.

Cash Flow

Clearview Wealth Limited's cash flow situation is troubling, with a significant negative operating cash flow and free cash flow in the most recent year. The free cash flow growth rate is extremely high due to a low base effect, but the operating cash flow to net income ratio is negative, indicating cash flow issues. The free cash flow to net income ratio is slightly above 1, suggesting some alignment between cash flow and reported earnings.

Breakdown	TTM	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021
Income Statement
Total Revenue	449.43M	23.70M	404.13M	330.75M	318.34M	397.25M
Gross Profit	-150.25M	5.87M	26.09M	120.42M	93.73M	184.66M
EBITDA	7.97M	46.32M	23.00M	29.59M	31.20M	12.23M
Net Income	852.00K	8.17M	-12.45M	17.11M	21.18M	6.68M
Balance Sheet
Total Assets	1.04B	1.07B	2.83B	2.58B	2.57B	2.80B
Cash, Cash Equivalents and Short-Term Investments	191.97M	213.14M	101.12M	94.52M	150.74M	120.50M
Total Debt	157.32M	194.54M	111.12M	98.80M	101.02M	103.52M
Total Liabilities	687.48M	717.27M	2.48B	2.10B	1.44B	1.55B
Stockholders Equity	348.29M	349.80M	353.16M	485.30M	481.10M	459.43M
Cash Flow
Free Cash Flow	-1.26B	-1.37B	-8.02M	49.59M	317.42M	263.43M
Operating Cash Flow	-1.26B	-1.36B	3.86M	62.80M	330.00M	269.13M
Investing Cash Flow	1.34B	1.44B	137.06M	107.14M	-171.74M	-365.13M
Financing Cash Flow	-25.92M	15.71M	-167.24M	-181.82M	-128.03M	30.05M

Clearview Wealth Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.63
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:CVW, the sentiment is Positive. The current price of 0.63 is above the 20-day moving average (MA) of 0.56, above the 50-day MA of 0.55, and above the 200-day MA of 0.53, indicating a bullish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 68.98 is Neutral, neither overbought nor oversold. The STOCH value of 92.42 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:CVW.

Clearview Wealth Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FID	73 Outperform	AU$325.46M	16.39	32.31%	4.00%	10.61%	23.34%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SEQ	57 Neutral	AU$27.58M	8.69	6.14%	14.29%	-0.40%	―
CVW	56 Neutral	AU$371.71M	420.00	4.50%	―	0.63%	―
COG	54 Neutral	AU$313.55M	14.93	12.36%	2.86%	-26.30%	40.12%
PPS	52 Neutral	AU$363.17M	20.24	12.27%	2.81%	24.56%	59.32%

Clearview Wealth Limited Corporate Events

Zurich moves to acquire ClearView in A$415m scheme backed by board and major shareholder

ClearView Wealth Limited has agreed a scheme implementation deed under which Zurich Financial Services Australia, a subsidiary of Zurich Insurance Group, will acquire all ClearView shares via a court-approved scheme of arrangement. The offer values ClearView equity at about A$415 million, equating to 65 cents per share in cash before any permitted dividends and representing premiums of more than 20% to recent trading prices and an implied 1.2 times price-to-book multiple.

Shareholders are expected to receive 65 cents per share less any permitted fully franked dividends of up to 5 cents, with eligible investors potentially realising total value of about 67 cents including franking credits. The ClearView board unanimously backs the deal, Crescent Capital Partners has signalled its intention to support it with its 53% stake, and completion remains subject to shareholder, ACCC and APRA approvals, with a ticking fee structure compensating investors if regulatory or other delays push implementation beyond late 2026.

The most recent analyst rating on (AU:CVW) stock is a Hold with a A$0.54 price target. To see the full list of analyst forecasts on Clearview Wealth Limited stock, see the AU:CVW Stock Forecast page.

ClearView Wealth Director Gary Burg Steps Down but Retains Significant Indirect Stakes

ClearView Wealth has announced the cessation of director Gary Zalman Burg, effective 20 February 2026, and lodged a final director’s interest notice with the ASX. The filing confirms Burg holds no shares directly but maintains substantial indirect interests through entities Hedgewick Pty Ltd, Court Super Pty Ltd as trustee for the G & P Burg Super Fund, and Wintol Pty Ltd as trustee for the G Z Burg Family Trust, collectively controlling several million ClearView ordinary shares, highlighting ongoing aligned interests despite his board departure.

The most recent analyst rating on (AU:CVW) stock is a Hold with a A$0.54 price target. To see the full list of analyst forecasts on Clearview Wealth Limited stock, see the AU:CVW Stock Forecast page.

ClearView Wealth Director Gary Burg Resigns After 14 Years

ClearView Wealth Limited has announced the resignation of director Gary Burg, effective immediately, reducing the board to seven members, of whom four are independent. Chairman Geoff Black thanked Burg for his 14 years of service, highlighting his experience and investment knowledge as valuable to the company, with the change signalling a refreshed board composition while maintaining a majority of independent directors in its governance structure.

The most recent analyst rating on (AU:CVW) stock is a Hold with a A$0.54 price target. To see the full list of analyst forecasts on Clearview Wealth Limited stock, see the AU:CVW Stock Forecast page.

ClearView sets date for HY26 results release and investor briefing

ClearView Wealth Limited has announced it will release its half-year 2026 financial results before the market opens on 26 February 2026, followed by an investor teleconference later that morning hosted by Managing Director Nadine Gooderick and Chief Financial Officer Athol Chiert. The scheduled briefing, which will be accessible via webcast with a recording available on the company’s website, underscores ClearView’s ongoing commitment to continuous disclosure and engagement with shareholders and the broader market at a time when its life insurance operations manage a substantial in-force premium base and maintain extensive ties with financial advisers.

The most recent analyst rating on (AU:CVW) stock is a Hold with a A$0.54 price target. To see the full list of analyst forecasts on Clearview Wealth Limited stock, see the AU:CVW Stock Forecast page.

ClearView Wealth Cancels 254,000 Shares Under Employee Scheme Buy-Back

ClearView Wealth Limited has cancelled 254,000 ordinary fully paid shares following an employee share scheme buy-back dated 5 January 2026, as disclosed in its latest capital notification to the ASX. The move marginally reduces the company’s issued capital and reflects routine capital management associated with its employee equity arrangements, with limited immediate impact expected on broader operations but incremental effects on share count for existing shareholders.

The most recent analyst rating on (AU:CVW) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Clearview Wealth Limited stock, see the AU:CVW Stock Forecast page.

Clearview Wealth Completes Selective Buy-Back of 254,000 Shares

Clearview Wealth Limited has provided a final update on its previously announced selective share buy-back of its ordinary fully paid shares. The company confirmed that it has repurchased a total of 254,000 shares for an aggregate consideration of approximately A$200,843, formally completing the buy-back program that was initially notified in December 2025. The transaction modestly reduces the company’s share count and reflects ongoing capital management, which may marginally enhance earnings per share and alter the ownership profile for remaining shareholders.

The most recent analyst rating on (AU:CVW) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Clearview Wealth Limited stock, see the AU:CVW Stock Forecast page.

Clearview Wealth Limited Announces Selective Share Buy-Back

Clearview Wealth Limited has announced a selective buy-back of its ordinary fully paid shares, as indicated by the ASX security code CVW. This strategic move is likely aimed at optimizing the company’s capital structure and potentially enhancing shareholder value. The buy-back could have implications for the company’s market positioning by signaling confidence in its financial health and future prospects.

The most recent analyst rating on (AU:CVW) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Clearview Wealth Limited stock, see the AU:CVW Stock Forecast page.

ClearView Completes Cloud Platform Migration, Embraces Tech-Driven Growth

ClearView Wealth Limited has successfully completed the migration of its in-force portfolios to a new cloud-based core insurance platform. This transformation marks a shift towards technology-led growth, enhancing digital experiences for advisers and customers, and positioning ClearView as a technology-driven life insurer focused on efficiency and service.

The most recent analyst rating on (AU:CVW) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Clearview Wealth Limited stock, see the AU:CVW Stock Forecast page.