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

QuickFee Ltd. (QFE) AI Stock Analysis

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AU:QFE

QuickFee Ltd.

(Sydney:QFE)

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Neutral 50 (OpenAI - 4o)
Rating:50Neutral
Price Target:
AU$0.06
▼(-26.25% Downside)
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
Partnerships
Partnerships with professional and legal associations enhance QuickFee's customer acquisition and brand credibility, supporting long-term revenue growth.
Gross Profit Margin
A high gross profit margin indicates efficient cost management, which can help sustain profitability as the company scales its operations.
Product Offering
Innovative payment solutions like flexible payment plans cater to client needs, potentially increasing market share in the legal and professional services sectors.
Negative Factors
Revenue Decline
A significant decline in revenue growth indicates challenges in maintaining market position and could impact long-term financial stability.
High Leverage
High leverage suggests reliance on debt financing, which can limit financial flexibility and increase risk during economic downturns.
Negative Cash Flow
Persistent negative cash flows indicate potential liquidity issues, which could hinder the company's ability to invest in growth opportunities.

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 with declining revenues, high leverage, and negative cash flows. The company shows negative profit margins and a high debt-to-equity ratio, indicating financial instability and risk of distress.
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 Price0.08
Price Trends
50DMA
0.05
Positive
100DMA
0.04
Positive
200DMA
0.03
Positive
Market Momentum
MACD
<0.01
Negative
RSI
74.13
Negative
STOCH
76.51
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 0.08 is above the 20-day moving average (MA) of 0.07, above the 50-day MA of 0.05, and above the 200-day MA of 0.03, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 74.13 is Negative, neither overbought nor oversold. The STOCH value of 76.51 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$124.99M17.8819.30%13.74%70.80%
61
Neutral
$37.18B12.37-10.20%1.83%8.50%-7.62%
58
Neutral
AU$541.34M30.098.20%1.06%-30.96%
52
Neutral
AU$237.51M-78.13-19.83%10.79%46.67%
50
Neutral
AU$30.26M-6.27-60.86%24.46%24.10%
38
Underperform
AU$27.48M-2.7612.88%-22.58%
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
0.04
100.00%
AU:B4P
Beforepay Group Limited
2.51
0.75
42.61%
AU:WRK
Wrkr Ltd
0.12
0.07
140.00%
AU:SPX
Spenda Limited
0.01
0.00
0.00%
AU:TYR
Tyro Payments Ltd.
1.02
0.20
24.39%
AU:EAT
IncentiaPay Ltd.
0.02
<0.01
5.00%

QuickFee Ltd. Corporate Events

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.

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.

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.

QuickFee Limited Announces Cessation of Securities
Oct 20, 2025

QuickFee Limited announced the cessation of certain securities due to the lapse of conditional rights, as conditions for these securities were not met or became incapable of being satisfied. This cessation involves options expiring in June 2029 with varying exercise prices, impacting a total of 16,667 securities. The announcement highlights a potential reevaluation of QuickFee’s strategic financial instruments and could influence stakeholder perceptions regarding the company’s future financial maneuvers.

QuickFee Ltd. Announces Proxy Voting Procedures for 2025 AGM
Oct 19, 2025

QuickFee Ltd. has announced the procedures for appointing proxies and voting for their upcoming Annual General Meeting scheduled for November 18, 2025. Shareholders are encouraged to appoint proxies online or via a proxy form, with specific instructions on how to direct their votes on various resolutions, including remuneration reports and director elections. The announcement emphasizes the importance of timely submission of proxy forms to ensure participation in the meeting.

QuickFee’s Q1 FY26 Update: Enhancing Financial Solutions for Professional Services
Oct 15, 2025

QuickFee has announced a business update for the first quarter of FY26, highlighting their continued focus on helping professional services firms reduce accounts receivable and grow their business through innovative financial solutions. The company’s offerings, such as Pay Now and QuickFee Finance, provide flexible payment options and financing solutions, which are crucial for firms managing high accounts receivable and competing cash priorities. This update underscores QuickFee’s commitment to supporting firms in improving cash flow and operational efficiency, reinforcing their position as a trusted partner in the professional services industry.

QuickFee Reports Revenue Growth and Strategic Refocus with New CEO
Oct 15, 2025

QuickFee Limited reported a 9% increase in quarterly revenue to A$6.1 million for Q1 FY26, driven by an 11% growth in AU Finance revenue, despite a decline in US Finance revenue. The company completed the sale of its US Pay Now business for US$26.35 million, allowing it to focus on its AU and US Finance operations, with a positive outlook for future growth. Additionally, QuickFee announced a capital return to shareholders and appointed Bruce Coombes as CEO to lead the company’s strategic focus on finance operations.

QuickFee Ltd. Announces Cash Return of Capital to Shareholders
Oct 3, 2025

QuickFee Ltd. has announced a cash return of capital to its shareholders, amounting to AUD 0.075 per security. This move, pending shareholder approval at the upcoming Annual General Meeting, is part of an equal capital reduction strategy under the Corporations Act, potentially impacting share option pricing and performance rights vesting terms.

QuickFee Director Increases Stake with Significant Share Acquisition
Sep 18, 2025

QuickFee Ltd. has announced a change in the director’s interest, with Michael McConnell acquiring an additional 1,000,000 fully paid ordinary shares through an on-market acquisition. This change increases his direct holding to 5,075,217 shares, reflecting a significant investment in the company and potentially indicating confidence in QuickFee’s future performance.

QuickFee Issues Corrected Cleansing Notice for Share Trading
Sep 15, 2025

QuickFee Limited has issued a corrected cleansing notice under section 708A(5) of the Corporations Act 2001, reconfirming the issuance of over 6 million fully paid ordinary shares. These shares were issued in relation to a term loan facility agreement and the conversion of performance rights for employees. The notice ensures that these shares can be traded immediately under the exemption provided by the Act, reflecting QuickFee’s compliance with relevant legal provisions and its commitment to transparency.

QuickFee Issues Over 6 Million Shares for Immediate Trading
Sep 12, 2025

QuickFee Limited has issued 6,092,130 fully paid ordinary shares, including 5,000,000 shares related to share warrants under a term loan facility agreement and 1,092,130 shares to employees upon conversion of performance rights. This issuance allows for immediate trading of these shares under the exemption provided by section 708A(5) of the Corporations Act 2001, potentially enhancing liquidity and market activity for QuickFee’s securities.

QuickFee Director Increases Stake with On-Market Share Acquisition
Sep 11, 2025

QuickFee Limited has announced a change in the director’s interest in securities, specifically regarding Dale Smorgon. The director’s indirect interest in the company increased by 546,822 fully paid ordinary shares, acquired through an on-market transaction valued at $51,482. This change reflects a strategic move by the director to increase his stake in the company, potentially signaling confidence in QuickFee’s future prospects and stability, which may influence stakeholder perceptions and market positioning.

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