QuickFee Ltd. (QFE) AI Stock Analysis

• Market Cap: AU$30.67M
• Dividend Yield: N/A
• Average Volume (3M): 1.05M
• Price to Earnings (P/E): 0.9
• Beta (1Y): -0.39
• Revenue Growth: 24.46%
• EPS Growth: 24.10%
• Country: AU
• Employees: 48
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): N/A
• Shares Outstanding: 383,371,340
• 10 Day Avg. Volume: 852,265
• 30 Day Avg. Volume: 1,046,703
• PEG Ratio: 0.16
• Price to Book (P/B): 2.95
• Price to Sales (P/S): 1.56
• P/FCF Ratio: -4.25
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 52 Neutral
• Price Target: AU$0.08 ▲(15.71% Upside)
• Action: Reiterated Date: 03/04/26
• Date: Action: Reiterated 03/04/26

The score is held down primarily by very weak financial performance (shrinking revenue, sizeable losses, high leverage, and negative cash flows). This is partially offset by supportive technical momentum (price above major moving averages with positive MACD) and optically cheap valuation metrics (low P/E and high reported dividend yield).

Positive Factors

Diversified Payment & Financing Revenue Model

QuickFee's core business monetizes both payment processing and installment financing, creating two distinct fee-based revenue streams. Embedding the offering with professional service firms and partnering with payment networks/funders supports distribution, recurring fee capture and risk-sharing—structural traits that can sustain revenues as adoption deepens.

Platform Product Breadth

Supporting multiple payment methods and installment options addresses diverse payer preferences and increases stickiness with billers. This product breadth lowers switching costs for professional firms, aligns with ongoing digitization of B2B billing, and positions QuickFee to capture structural demand for flexible invoice payment solutions over the medium term.

High Gross Margin

A gross margin near 72% indicates the platform has a low direct-cost base versus revenue, typical of scalable fintech infrastructure. If top-line stabilizes, the business can leverage operating leverage to improve operating margins, making existing revenue more profitable and supporting reinvestment or margin recovery over several quarters.

Negative Factors

Sharp Revenue Contraction

A nearly 40% revenue decline signals structural demand, retention or distribution issues rather than short-term volatility. Sustained top-line deterioration reduces operating leverage, limits ability to absorb fixed costs, undermines partner confidence, and makes it harder to scale unit economics—pressures that can persist materially over multiple quarters.

Deep Operating Losses

Significant negative EBIT and net margins indicate the company is burning cash while operating, requiring ongoing capital or drastic cost cuts to reach break-even. Persistent losses erode equity, constrain strategic investments in product and distribution, and increase vulnerability to funding shocks—weaknesses that impair long-term viability if not resolved.

High Leverage & Weak Cash Flow

Very high leverage combined with negative returns on equity signals heavy reliance on debt and fragile solvency. The cash-flow profile is also poor (negative operating and free cash flow with steep FCF deterioration), reducing financial flexibility to fund operations or underwriting, and raising the risk of distress or dilutive recapitalizations in the medium term.

QuickFee Ltd. Business Overview & Revenue Model

Company Description

QuickFee Limited provides a suite of payment and lending offerings through an online portal to professional, commercial, and personal services providers in Australia and the United States. The company develops QuickFee, an online payment platform and financing solution that enables merchants to accept payments by CC, EFT/ACH, payment plan, or a Buy Now, Pay Later instalment plan. QuickFee Limited was founded in 2009 and is based in Baulkham Hills, Australia.

How the Company Makes Money

QuickFee generates revenue primarily through transaction fees charged to service providers for facilitating payments. When a business uses QuickFee's payment solutions, it pays a percentage-based fee for each transaction processed. Additionally, QuickFee may earn interest income from the financing options it provides to clients, as these plans often involve extended payment terms. The company also benefits from partnerships with various professional and legal associations, which can lead to increased customer acquisition and brand credibility, further enhancing its revenue potential.

QuickFee Ltd. Financial Statement Overview

Summary

Financials are weak: revenue fell sharply (-39.59%), profitability is deeply negative (net margin -40.94%, EBIT margin -33.33%), leverage is very high (debt-to-equity 9.79) with negative ROE (-77.25%), and operating/free cash flow are negative with a steep free cash flow deterioration.

Income Statement

QuickFee Ltd. has experienced a significant decline in revenue, with a negative revenue growth rate of -39.59% in the most recent year. The company also shows negative profit margins, including a net profit margin of -40.94% and an EBIT margin of -33.33%, indicating ongoing profitability challenges. The gross profit margin remains relatively high at 71.75%, suggesting some efficiency in cost management, but overall financial performance is weak due to substantial losses.

Balance Sheet

The balance sheet reveals high leverage with a debt-to-equity ratio of 9.79, indicating significant reliance on debt financing. The return on equity is negative at -77.25%, reflecting poor profitability relative to shareholder equity. The equity ratio is low, suggesting limited financial stability and a high risk of financial distress.

Cash Flow

Cash flow analysis shows negative operating cash flow and free cash flow, with a drastic decline in free cash flow growth of -2746.90%. The operating cash flow to net income ratio is negative, indicating cash flow issues relative to reported earnings. Despite a free cash flow to net income ratio above 1, the overall cash flow situation is concerning due to persistent negative cash flows.

Breakdown	TTM	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021
Income Statement
Total Revenue	12.02M	10.44M	15.59M	14.92M	10.92M	8.86M
Gross Profit	4.02M	7.49M	12.60M	11.01M	8.24M	7.01M
EBITDA	37.26M	-996.00K	-3.20M	-1.26M	-6.73M	-2.93M
Net Income	33.41M	-4.27M	-4.67M	-8.08M	-13.50M	-8.55M
Balance Sheet
Total Assets	80.22M	74.36M	70.75M	48.11M	43.20M	50.32M
Cash, Cash Equivalents and Short-Term Investments	16.77M	13.71M	13.55M	3.39M	8.19M	21.31M
Total Debt	62.72M	54.16M	48.63M	36.06M	23.45M	24.23M
Total Liabilities	66.68M	68.83M	62.24M	39.17M	26.91M	25.92M
Stockholders Equity	13.54M	5.53M	8.51M	8.95M	16.30M	24.39M
Cash Flow
Free Cash Flow	-3.07M	-3.84M	-9.12M	-16.22M	-23.12M	1.98M
Operating Cash Flow	-3.03M	-3.25M	-9.04M	-16.19M	-23.02M	2.15M
Investing Cash Flow	33.51M	-587.00K	-74.00K	4.00K	-106.94K	-173.99K
Financing Cash Flow	-30.04M	4.08M	19.25M	11.35M	9.20M	5.53M

QuickFee Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.07
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:QFE, the sentiment is Positive. The current price of 0.07 is below the 20-day moving average (MA) of 0.07, above the 50-day MA of 0.07, and above the 200-day MA of 0.04, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 66.39 is Neutral, neither overbought nor oversold. The STOCH value of 47.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:QFE.

QuickFee Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TYR	68 Neutral	AU$432.79M	16.98	8.20%	―	1.06%	-30.96%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
B4P	59 Neutral	AU$74.70M	8.96	19.30%	―	13.74%	70.80%
WRK	53 Neutral	AU$249.41M	-59.52	-19.83%	―	10.79%	46.67%
QFE	52 Neutral	AU$30.67M	0.91	-60.86%	―	24.46%	24.10%
SPX	37 Underperform	AU$13.55M	―	-97.38%	―	106.21%	-60.61%

QuickFee Ltd. Corporate Events

QuickFee Director Increases Indirect Shareholding Through Performance Rights Vesting

QuickFee Limited has disclosed a change in the indirect securities interests of director Bruce Coombes, reflecting the vesting of performance rights into fully paid ordinary shares. The disclosure details an internal equity-based remuneration event that modestly increases Coombes’ indirect shareholding while reducing his unvested performance rights balance.

Following the transaction, Coombes’ indirect holding increased by 1,400,000 shares to 27,944,150 shares, and his performance rights decreased by 700,000 to 1,400,000 rights. The change underscores the ongoing use of QuickFee’s Performance Rights and Options Plan to align director incentives with shareholder interests through equity-based compensation rather than cash outlay.

The most recent analyst rating on (AU:QFE) stock is a Hold with a A$0.07 price target. To see the full list of analyst forecasts on QuickFee Ltd. stock, see the AU:QFE Stock Forecast page.

QuickFee issues 2.7m shares on performance rights conversion, no capital raised

QuickFee Limited has issued 2.7 million fully paid ordinary shares to directors and employees following the conversion of performance rights under its Performance Rights and Options Plan. The shares were issued at no cash consideration, do not raise new capital for the company, and are immediately tradeable under an exemption from disclosure provisions in the Corporations Act.

The company confirmed it remains compliant with its financial reporting and continuous disclosure obligations and stated there is no undisclosed price-sensitive information related to this share issue. The move effectively increases QuickFee’s free float and aligns staff and director incentives with shareholders without diluting value through a capital-raising event.

The most recent analyst rating on (AU:QFE) stock is a Hold with a A$0.07 price target. To see the full list of analyst forecasts on QuickFee Ltd. stock, see the AU:QFE Stock Forecast page.

QuickFee Highlights H1 FY26 Results and Reinforces Niche Fee-Funding Focus

QuickFee has released its H1 FY26 results, underscoring its role as a leading B2B fee-funding provider to accounting and legal firms in Australia and the U.S. While detailed financial metrics were not disclosed in the text provided, the announcement reinforces the company’s positioning in a high-margin niche, with leadership fronted by CEO Bruce Coombes and CFO Simon Yeandle, and directs stakeholders to its investor hub for further information.

The most recent analyst rating on (AU:QFE) stock is a Hold with a A$0.07 price target. To see the full list of analyst forecasts on QuickFee Ltd. stock, see the AU:QFE Stock Forecast page.

QuickFee Declares H1 FY26 Interim Dividend, Reinforcing Capital Return Policy

QuickFee Limited has declared an interim dividend of 0.5 cents per share for the half-year to 31 December 2025, partially franked at 27%, consistent with its updated capital management policy to return at least 1 cent per share in cash distributions annually. The payout, estimated at about $1.9 million across roughly 380 million shares, underscores the company’s confidence in its profitability and cash generation, while offering income-focused shareholders greater clarity on returns despite the absence of a dividend reinvestment plan and the application of standard tax withholding rules for Australian and overseas investors.

The most recent analyst rating on (AU:QFE) stock is a Hold with a A$0.07 price target. To see the full list of analyst forecasts on QuickFee Ltd. stock, see the AU:QFE Stock Forecast page.

QuickFee Declares Interim Dividend and Tightens Payout Requirements

QuickFee Limited has declared a cash dividend of AUD 0.005 per ordinary fully paid share, relating to the six‑month period ended 31 December 2025, with an ex‑dividend date of 3 March 2026 and a record date of 4 March 2026. The dividend is scheduled for payment on 18 March 2026 via electronic funds transfer only, underscoring the company’s move away from cheque payments.

Australian resident shareholders are being instructed to provide their Tax File Number, Australian Business Number, or exemption details to the share registry to avoid tax being withheld from the unfranked portion of the dividend. Investors must also supply valid bank account details in line with instructions from the registry, as failure to do so will result in the dividend not being paid, highlighting the operational importance of up‑to‑date shareholder information for timely distributions.

The most recent analyst rating on (AU:QFE) stock is a Hold with a A$0.07 price target. To see the full list of analyst forecasts on QuickFee Ltd. stock, see the AU:QFE Stock Forecast page.

QuickFee Swings to Profit, Returns Capital and Declares Interim Dividend

QuickFee Limited swung to a net profit of A$36.5 million for the half-year to 31 December 2025, compared with a loss a year earlier, despite a 13.5% decline in revenue to A$10.1 million. The group’s net assets rose to A$13.5 million and cash increased to A$14.8 million, supported by proceeds from the sale of its US Pay Now business.

The company returned approximately A$28.5 million to shareholders via a 7.5 cent per share capital reduction and has declared its first interim ordinary dividend for the period. The partially franked dividend of 0.5 cents per share, payable on 18 March 2026, signals a shift toward capital returns and may indicate growing financial stability following the strategic divestment.

The most recent analyst rating on (AU:QFE) stock is a Hold with a A$0.07 price target. To see the full list of analyst forecasts on QuickFee Ltd. stock, see the AU:QFE Stock Forecast page.

QuickFee Sharpens Focus on Cash-Flow Solutions for Professional Services Firms

QuickFee’s Q2 FY26 business update highlights its continued focus on helping professional services firms reduce accounts receivable, improve cash flow and support business growth through tailored B2B finance and payment solutions. With a growing client base of more than 650 firms and over $700 million in cumulative loan originations, the company underscores its niche positioning in professional services financing and payments, offering flexible fee and disbursement funding that positions it as a specialised partner for accounting and legal practices seeking faster payments and enhanced working capital management.

The most recent analyst rating on (AU:QFE) stock is a Hold with a A$0.07 price target. To see the full list of analyst forecasts on QuickFee Ltd. stock, see the AU:QFE Stock Forecast page.

QuickFee Holds Revenue Steady as Core Fee-Funding Business Delivers Strong Margins

QuickFee reported flat quarterly revenue of A$4.2 million for Q2 FY26 on a normalised basis, with AU Finance revenue rising 7% and US Finance revenue falling 14% year-on-year, while H1 FY26 normalised group revenue increased 4% to A$8.5 million. The company highlighted a robust 15% net interest margin from core fee-funding operations and, following the sale of its US Pay Now business for A$40 million and a A$28.5 million capital return, outlined a new dividend policy and guided to FY26 EBTDA of A$3.75–4.25 million, underpinned by low capex needs and growth potential from US reseller volumes.

The most recent analyst rating on (AU:QFE) stock is a Hold with a A$0.07 price target. To see the full list of analyst forecasts on QuickFee Ltd. stock, see the AU:QFE Stock Forecast page.

QuickFee Issues 700,000 Unquoted Employee Share Options Under Incentive Scheme

QuickFee Limited has issued 700,000 new unquoted employee share options under its employee incentive scheme, with an exercise price of 8.6 cents and an expiry date of 30 June 2030. The grant, which will not be quoted on the ASX, reflects the company’s continued use of equity-linked compensation to align staff interests with shareholders and potentially support talent retention and long-term performance as it executes its growth plans.

The most recent analyst rating on (AU:QFE) stock is a Hold with a A$0.06 price target. To see the full list of analyst forecasts on QuickFee Ltd. stock, see the AU:QFE Stock Forecast page.

QuickFee Options Lapse After Vesting Conditions Not Met

QuickFee Ltd, listed on the ASX under the code QFE, has reported the cessation of a series of employee or incentive options after they failed to meet required vesting or performance conditions. The company has notified the market that a total of 66,667 options, with various exercise prices and all expiring on 30 June 2029, lapsed on 31 December 2025 because the conditions attached to these conditional rights were not, or could no longer be, satisfied, resulting in a modest reduction in potential future dilution for existing shareholders and signalling that certain internal targets were not achieved.

The most recent analyst rating on (AU:QFE) stock is a Hold with a A$0.06 price target. To see the full list of analyst forecasts on QuickFee Ltd. stock, see the AU:QFE Stock Forecast page.

QuickFee Issues Shares to Employees Under Performance Plan

QuickFee Limited announced the issuance of 496,914 fully paid ordinary shares to its employees as part of its Performance Rights and Options Plan. This move, which allows immediate trading of the shares, reflects QuickFee’s compliance with relevant legal provisions and its strategic efforts to incentivize employees, potentially enhancing its operational efficiency and market positioning.

The most recent analyst rating on (AU:QFE) stock is a Hold with a A$0.06 price target. To see the full list of analyst forecasts on QuickFee Ltd. stock, see the AU:QFE Stock Forecast page.

QuickFee Ltd. Expands Market Presence with New Securities Quotation

QuickFee Ltd. has announced the quotation of 496,914 fully paid ordinary securities on the Australian Securities Exchange, effective December 10, 2025. This move signifies an expansion in the company’s market presence and may enhance liquidity, potentially impacting its operational capabilities and offering stakeholders increased investment opportunities.

The most recent analyst rating on (AU:QFE) stock is a Hold with a A$0.06 price target. To see the full list of analyst forecasts on QuickFee Ltd. stock, see the AU:QFE Stock Forecast page.

QuickFee Ltd. Announces Cessation of Securities

QuickFee Ltd. announced the cessation of several securities, totaling over 56,000 options, due to unmet conditions. This cessation may impact the company’s financial strategy and stakeholder interests, as it reflects a shift in the company’s securities management and potential adjustments in their financial planning.

The most recent analyst rating on (AU:QFE) stock is a Hold with a A$0.06 price target. To see the full list of analyst forecasts on QuickFee Ltd. stock, see the AU:QFE Stock Forecast page.