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QuickFee Ltd. (AU:QFE)
ASX:QFE
US Market

QuickFee Ltd. (QFE) AI Stock Analysis

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AU:QFE

QuickFee Ltd.

(Sydney:QFE)

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Neutral 50 (OpenAI - 5.2)
Rating:50Neutral
Price Target:
AU$0.07
▲(1.43% Upside)
QuickFee Ltd.'s overall stock score reflects significant financial weaknesses, including declining revenues and high leverage. While technical indicators show some positive momentum, the high RSI suggests caution. The high dividend yield is a notable factor, but the negative P/E ratio highlights ongoing profitability issues.
Positive Factors
Fee-based, scalable business model
A transaction-fee and financing income model creates recurring, volume-linked revenue that scales with customer usage. This aligns incentives with service providers, supports predictable unit economics as volumes grow, and lets the business leverage platform effects over months.
High gross margin profile
A 71.75% gross margin indicates strong unit economics on core payment services, providing room to cover fixed costs and invest in product and compliance. High gross margins are durable in software-enabled payments and support margin recovery if top-line stabilizes.
Niche market focus with partnership channels
Concentration on legal and professional services creates deep domain expertise, tailored product fit and partnership-driven distribution. These factors can produce higher retention, referralled growth, and differentiated offerings versus generic payments players over the medium term.
Negative Factors
Very high financial leverage
Extreme leverage limits financial flexibility, raises interest and covenant risk, and increases insolvency vulnerability if revenues remain weak. Over 2-6 months high debt will constrain investment, force costly refinancing, or pressure strategic options.
Negative operating cash flow and collapsing FCF
Persistent negative operating cash flow and a dramatic FCF decline drain liquidity and shorten runway. This forces reliance on external financing, which can dilute shareholders or raise costs, and limits the company's ability to fund growth or absorb shocks over the medium term.
Declining revenue and deep negative margins
Sharp revenue declines and large negative margins indicate structural demand or execution issues. Sustained losses hinder reinvestment, weaken competitive position, and raise existential risk unless revenue stabilization and margin improvement occur within the next several quarters.

QuickFee Ltd. (QFE) vs. iShares MSCI Australia ETF (EWA)

QuickFee Ltd. Business Overview & Revenue Model

Company DescriptionQuickFee 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 MoneyQuickFee 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
QuickFee Ltd. faces significant financial challenges, including declining revenues, high leverage, and negative cash flows. With negative profit margins and a high debt-to-equity ratio, the company's financial health is weak, posing substantial risks.
Income Statement
30
Negative
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
25
Negative
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
20
Very Negative
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue10.44M10.44M15.59M14.92M10.92M8.86M
Gross Profit7.49M7.49M12.60M11.01M8.24M7.01M
EBITDA-1.06M-996.00K-3.20M-1.26M-6.73M-2.93M
Net Income-4.27M-4.27M-4.67M-8.08M-13.50M-8.55M
Balance Sheet
Total Assets74.36M74.36M70.75M48.11M43.20M50.32M
Cash, Cash Equivalents and Short-Term Investments13.71M13.71M13.55M3.39M8.19M21.31M
Total Debt54.16M54.16M48.63M36.06M23.45M24.23M
Total Liabilities68.83M68.83M62.24M39.17M26.91M25.92M
Stockholders Equity5.53M5.53M8.51M8.95M16.30M24.39M
Cash Flow
Free Cash Flow-3.31M-3.84M-9.12M-16.22M-23.12M1.98M
Operating Cash Flow-3.25M-3.25M-9.04M-16.19M-23.02M2.15M
Investing Cash Flow-587.00K-587.00K-74.00K4.00K-106.94K-173.99K
Financing Cash Flow4.08M4.08M19.25M11.35M9.20M5.53M

QuickFee Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price0.07
Price Trends
50DMA
0.07
Positive
100DMA
0.05
Positive
200DMA
0.04
Positive
Market Momentum
MACD
<0.01
Negative
RSI
75.86
Negative
STOCH
68.75
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 75.86 is Negative, neither overbought nor oversold. The STOCH value of 68.75 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

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
71
Outperform
AU$103.58M15.3119.30%13.74%70.80%
61
Neutral
$37.18B12.37-10.20%1.83%8.50%-7.62%
58
Neutral
AU$525.72M29.208.20%1.06%-30.96%
53
Neutral
AU$304.01M-96.88-19.83%10.79%46.67%
50
Neutral
AU$28.55M-5.95-60.86%24.46%24.10%
37
Underperform
AU$10.84M-1.89-97.38%106.21%-60.61%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:QFE
QuickFee Ltd.
0.08
0.03
74.42%
AU:B4P
Beforepay Group Limited
2.15
0.58
36.94%
AU:WRK
Wrkr Ltd
0.16
0.11
210.00%
AU:SPX
Spenda Limited
0.01
0.00
0.00%
AU:TYR
Tyro Payments Ltd.
0.99
0.18
22.22%

QuickFee Ltd. Corporate Events

QuickFee Sharpens Focus on Cash-Flow Solutions for Professional Services Firms
Jan 20, 2026

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
Jan 20, 2026

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
Jan 7, 2026

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
Jan 7, 2026

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
Dec 9, 2025

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
Dec 8, 2025

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
Dec 8, 2025

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.

QuickFee Updates Capital Strategy and Announces Dividend Policy
Dec 2, 2025

QuickFee Limited has announced an update to its capital management strategy, including a 7.5 cents per share return of capital completed on December 1, 2025, and a new dividend policy aiming for a minimum of 1 cent per share annually. The company maintains a strong balance sheet with A$11.2 million in cash and liquidity, and reaffirms its FY26 EBTDA guidance. Following the sale of its US Pay Now business, QuickFee is exploring further opportunities to maximize shareholder value.

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. Issues Performance Rights to Employees
Dec 2, 2025

QuickFee Ltd. has announced the issuance of 73,995 performance rights as part of an employee incentive scheme. These securities are unquoted and are not intended to be listed on the ASX. This move is likely aimed at motivating and retaining talent within the company, potentially impacting its operational efficiency and market competitiveness positively.

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 Announces 7.5c Per Share Capital Return
Nov 20, 2025

QuickFee Limited has announced a capital return of 7.5 cents per share, amounting to approximately A$28.5 million, following shareholder approval at the recent Annual General Meeting. This capital return is a result of the proceeds from the sale of QuickFee’s US Pay Now and Connect businesses. The remaining proceeds will be used to reduce borrowings and maintain a minimum cash level. This move is expected to impact QuickFee’s financial positioning by strengthening its balance sheet and providing direct returns to shareholders.

QuickFee Ltd. Announces Shareholder-Approved Cash Return of Capital
Nov 20, 2025

QuickFee Ltd. announced the approval of a cash return of capital to its shareholders, following a vote at the Annual General Meeting on November 18, 2025. This move, which involves an equal capital reduction under the Corporations Act, is expected to impact share option pricing and the vesting terms of performance rights, potentially influencing the company’s financial structure and stakeholder interests.

QuickFee Ltd. Director Increases Indirect Stake
Nov 20, 2025

QuickFee Ltd. announced a change in the director’s interest, with Bruce Coombes acquiring additional indirect interests in the form of 1,600,523 fully paid ordinary shares and 700,000 performance rights. This change reflects a strategic move under the QuickFee Limited Performance Rights and Option Plan, potentially impacting the company’s governance and stakeholder interests by aligning director incentives with company performance.

QuickFee Ltd. Announces Quotation of New Securities on ASX
Nov 18, 2025

QuickFee Ltd. has announced the quotation of 1,600,523 fully paid ordinary securities on the Australian Securities Exchange (ASX), effective November 20, 2025. This move is part of the company’s strategy to enhance its market presence and liquidity, potentially benefiting stakeholders by increasing the availability of its shares for trading.

QuickFee’s 2025 AGM Resolutions Passed, Supporting Strategic Growth
Nov 18, 2025

At its 2025 Annual General Meeting, QuickFee Limited announced that all resolutions, including the adoption of the remuneration report, re-election of a director, and approvals related to share capital and performance rights, were passed by shareholders. This outcome supports QuickFee’s strategic initiatives, potentially enhancing its operational capabilities and market positioning, thereby benefiting stakeholders through sustained growth and value creation.

QuickFee Limited’s 2025 AGM Highlights Strategic Growth and Operational Focus
Nov 17, 2025

QuickFee Limited held its 2025 Annual General Meeting, presenting key documents including the Chair’s address, management presentation, and FY26 earnings guidance. The meeting also involved shareholder resolutions and proxy votes, with results to be announced to the ASX. This meeting underscores QuickFee’s strategic focus on growth and operational efficiency, positioning it for continued expansion and value creation in the B2B fee-funding industry.

QuickFee to Broadcast AGM via Live Webcast
Nov 10, 2025

QuickFee Limited has announced that its Annual General Meeting, scheduled for November 18, 2025, will be broadcast via a live Teams webcast. While shareholders can view the meeting online, they will not be able to vote or ask questions in real time unless physically present. This move reflects QuickFee’s commitment to accessibility and transparency, potentially impacting shareholder engagement and participation.

QuickFee CEO to Present at Coffee Microcaps Webinar
Oct 29, 2025

QuickFee Limited announced that its Founder and CEO, Bruce Coombes, will present at the Coffee Microcaps Webinar on 30 October 2025. The company, which specializes in payment and lending services for accounting and legal firms, is positioned for growth with a scalable business model and a new reseller agreement in the US. This presentation is part of QuickFee’s efforts to strengthen its market presence and communicate its growth strategy to stakeholders.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Dec 07, 2025