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Credit Clear Limited
(Sydney:CCR)
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Rating:75Outperform
Price Target:
AU$0.19
▲(36.43% Upside)
Action:Upgraded
Date:08/29/26
The score is driven primarily by improving financial performance: a shift to profitable growth, strong and improving free cash flow, and low leverage. Technicals add support with positive trend/momentum, though indicators are close to overbought. Valuation is reasonable based on a mid-range P/E, with no dividend yield data available.
Positive Factors
Revenue Growth and Profitability Turnaround
The return to profitability alongside strong revenue growth indicates improving operating execution and customer adoption. Sustained top-line expansion gives the platform greater scale, while stable net margins suggest the recent turnaround is becoming commercially meaningful.
Negative Factors
Sharp Gross Margin Compression
The severe gross-margin decline raises concerns about pricing power, delivery costs, or customer and revenue mix. Even with positive net margins, persistent compression could limit operating leverage and make future earnings more sensitive to cost control.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth and Profitability Turnaround
The return to profitability alongside strong revenue growth indicates improving operating execution and customer adoption. Sustained top-line expansion gives the platform greater scale, while stable net margins suggest the recent turnaround is becoming commercially meaningful.
Read all positive factors
Credit Clear Limited (CCR) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$84.51M
Dividend YieldN/A
Average Volume (3M)500.46K
Price to Earnings (P/E)19.2
Beta (1Y)0.67
Revenue Growth28.01%
EPS Growth2.38%
CountryAU
Employees220
SectorTechnology
Sector Strength88
IndustryInformation Technology Services
Share Statistics
EPS (TTM)<0.01
Shares Outstanding497,099,000
10 Day Avg. Volume563,508
30 Day Avg. Volume500,463
Financial Highlights & Ratios
PEG Ratio2.11
Price to Book (P/B)0.90
Price to Sales (P/S)1.27
P/FCF Ratio11.76
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$0.35Price Target Upside150.00% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.02
Revenue Forecast (FY)AU$75.12M
Credit Clear Limited Business Overview & Revenue Model
Company Description
Credit Clear Limited focuses on building and deploying advanced platforms for managing outstanding payments, alongside offering comprehensive debt collection services. The company's activities are structured into two primary divisions: Receivable ...
How the Company Makes Money
Credit Clear generates revenue by providing its cloud-based receivables and collections communications platform to enterprise customers (typically credit providers, utilities, telecoms, and debt collection agencies). The core monetisation is gener...
Credit Clear Limited Financial Statement Overview
Summary
Income Statement
71
Positive
Balance Sheet
83
Very Positive
Cash Flow
78
Positive
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 60.07M | 46.95M | 42.00M | 34.95M | 21.46M |
| Gross Profit | 6.12M | 21.68M | -1.12M | -5.70M | -9.38M |
| EBITDA | 6.98M | 1.39M | 2.46M | -4.83M | -10.50M |
| Net Income | 4.35M | 3.54M | -4.50M | -11.06M | -11.13M |
Balance Sheet | |||||
| Total Assets | 120.50M | 85.36M | 78.08M | 76.84M | 74.38M |
| Cash, Cash Equivalents and Short-Term Investments | 31.56M | 15.68M | 18.82M | 16.07M | 14.37M |
| Total Debt | 10.18M | 3.93M | 4.27M | 5.14M | 1.67M |
| Total Liabilities | 35.94M | 21.08M | 18.81M | 15.56M | 13.99M |
| Stockholders Equity | 84.56M | 64.28M | 59.27M | 61.29M | 60.39M |
Cash Flow | |||||
| Free Cash Flow | 6.50M | 5.42M | 2.16M | -4.54M | -7.36M |
| Operating Cash Flow | 6.78M | 5.79M | 3.69M | -2.78M | -5.93M |
| Investing Cash Flow | -16.06M | -1.88M | -2.20M | -2.04M | -29.30M |
| Financing Cash Flow | 16.21M | -1.37M | -346.00K | 6.62M | 34.69M |
Credit Clear Limited Technical Analysis
Positive
0.14
Price Trends
0.13
Positive
0.17
Negative
0.21
Negative
Market Momentum
<0.01
Negative
69.63
Neutral
92.31
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:CCR, the sentiment is Positive. The current price of 0.14 is above the 20-day moving average (MA) of 0.13, above the 50-day MA of 0.13, and below the 200-day MA of 0.21, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 69.63 is Neutral, neither overbought nor oversold. The STOCH value of 92.31 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:CCR.
Credit Clear Limited Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | AU$84.51M | 19.19 | 5.40% | ― | 28.01% | 2.38% | |
65 Neutral | AU$33.14M | 40.19 | 6.26% | ― | 15.94% | ― | |
62 Neutral | AU$45.60M | 38.64 | 3.15% | 2.94% | -7.66% | ― | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
52 Neutral | AU$3.77M | -5.33 | -92.86% | ― | ― | ― | |
46 Neutral | AU$1.72M | -0.04 | -53.64% | ― | -60.21% | 42.32% | |
43 Neutral | AU$95.42M | -4.77 | -14.16% | ― | -6.74% | 64.64% |
* Technology Sector Average
AU:CCR
Credit Clear Limited
0.17
-0.07
-29.79%
AU:CCA
Change Financial Ltd
0.05
-0.04
-43.90%
AU:EML
EML Payments
0.25
-0.81
-76.67%
AU:OVT
IOUpay Limited
0.01
0.00
0.00%
AU:CGO
CPT Global Limited
0.09
0.02
28.57%
AU:CCG
Comms Group Ltd. (Australia)
0.09
0.03
51.79%
Credit Clear Limited Corporate Events
Credit Clear Issues FY26 Results Presentation With Strict Disclaimers
Aug 27, 2026
Credit Clear Limited has released its FY26 results presentation, outlining background information on the company for selected investors and stakeholders. The document is framed as general information rather than an offer of securities or investmen...
Credit Clear lifts earnings as U.K. acquisitions expand debt collection reach
Aug 27, 2026
Credit Clear reported FY26 revenue of $60 million, up 28 percent year on year, with 9 percent organic growth and contributions from newly acquired ARC Europe and DTS lifting pro-forma revenue to $70 million. Underlying EBITDA rose 41 percent to $1...
Credit Clear files updated ASX corporate governance statement and Appendix 4G
Aug 27, 2026
Credit Clear Limited has lodged its updated corporate governance statement for the year ended 30 June 2026, confirming it is available on the company’s website and has been approved by the board as at 27 August 2026. The filing includes a co...
Credit Clear to Release FY26 Results and Host Investor Webinar
Aug 19, 2026
Credit Clear Limited will release its full-year results for the period ended 30 June 2026 on Thursday, 27 August 2026, marking a key disclosure event for the ASX-listed debt collection technology provider. The announcement underscores a continued ...
Credit Clear installs Joshua Reid as Managing Director to drive next growth phase
Aug 19, 2026
Credit Clear Limited has appointed Joshua Reid as Managing Director of Credit Clear and interim Chief Executive Officer of ARMA Group Holdings Pty Ltd, effective 1 September 2026, marking a key leadership shift as the group scales operations in Au...
Credit Clear Beats FY26 Guidance With Strong Revenue and EBITDA Growth
Jul 22, 2026
Australian technology and debt collection provider Credit Clear Limited reported unaudited FY26 revenue of $60.0 million, up 28% and above its guidance range, alongside underlying EBITDA growth of 41% to $10.4 million at the top end of forecasts. ...
Credit Clear Streamlines Capital Structure With Share Cancellations and Lapsed Rights
Jul 14, 2026
Credit Clear Limited has reduced its ordinary share capital through the cancellation of 3,547,713 fully paid ordinary shares, following an on-market buy-back completed on June 30, 2026. The company has also confirmed the lapse of 555,475 share rig...
Credit Clear Issues 7 Million Unquoted Share Rights Under Incentive Plan
Jul 14, 2026
Credit Clear Limited has notified the market of the issue of 7,044,669 unquoted share rights under its employee incentive scheme, effective 1 April 2026. The securities, designated as CCRAG SHARE RIGHTS, are not intended to be quoted on the ASX, u...
Credit Clear Expands On-Market Share Buy-Back, Lifts Total to 38 Million Shares
Jun 30, 2026
Credit Clear Limited has continued its on-market share buy-back program, repurchasing ordinary fully paid shares under the ASX code CCR as part of an ongoing capital management initiative. The company reported that it bought back 1,072,713 shares ...
Credit Clear Corrects Share Cancellation Details in Updated ASX Filing
Jun 30, 2026
Credit Clear Limited has lodged an updated Appendix 3H notification with the ASX, advising a correction to the reported number of shares cancelled in a prior announcement dated June 30, 2026. The revision clarifies the actual change in issued capi...
Credit Clear Cancels 10.7 Million Shares After On-Market Buy-Back
Jun 30, 2026
Credit Clear Limited has confirmed the cessation of 10,700,247 ordinary fully paid shares following an on-market buy-back completed on June 30, 2026. The cancellation of these securities reduces the company’s issued capital, which may enhanc...
Credit Clear Updates Market on Progress of On‑Market Share Buy‑Back
Jun 29, 2026
Credit Clear Limited has issued an update on its on‑market share buy‑back program, confirming that it repurchased a total of 2,475,000 ordinary fully paid shares on the previous trading day. This brings the cumulative number of shares ...
Credit Clear updates market on progress of ongoing share buy-back
Jun 28, 2026
Credit Clear Limited has provided an updated notification to the ASX on its ongoing on-market share buy-back for its ordinary fully paid shares, under issuer code CCR. The company reported that it had bought back a cumulative total of 30,014,579 s...
Credit Clear to Defend ACCC Legal Action Over Debt Collection Practices
Jun 24, 2026
Credit Clear Limited, an Australian technology-based debt collection and digital billing provider, operates a platform that uses artificial intelligence to streamline customer repayments for clients in sectors including transport, financial servic...
Credit Clear updates market on ongoing on‑market share buy-back
Jun 23, 2026
Credit Clear Limited has provided a daily update on its on-market share buy-back program for its ordinary fully paid shares listed under the ASX code CCR. The company reported that it had repurchased a cumulative total of 29,921,361 shares prior t...
Credit Clear Continues On‑Market Share Buy‑Back Program
Jun 22, 2026
Credit Clear Limited, trading under ASX code CCR, is executing an on‑market share buy‑back of its ordinary fully paid shares as part of its ongoing capital management strategy. The program reflects an effort to refine its equity struct...
Credit Clear strengthens leadership with appointment of Executive Director Joshua Reid
Jun 22, 2026
Credit Clear Limited has appointed experienced financial executive Joshua Reid as an Executive Director, effective 20 July 2026, to bolster its leadership as it continues rapid expansion in scale and geography. Reid brings more than 30 years’...
Credit Clear updates market on ongoing on‑market share buy‑back
Jun 21, 2026
Credit Clear Limited has continued its on‑market share buy‑back program for its ordinary fully paid shares, reporting that it has repurchased a cumulative 29,546,884 securities prior to the latest trading day. The company disclosed tha...
Credit Clear Updates Market on Progress of On-Market Share Buy-Back
Jun 19, 2026
Credit Clear Limited has provided an updated notification to the ASX regarding its ongoing on-market share buy-back program for its ordinary fully paid shares. The company reported that it has repurchased a total of 28,837,102 shares prior to the ...
Credit Clear updates market on ongoing on‑market share buy‑back
Jun 17, 2026
Credit Clear Limited has continued its on-market share buy-back program, updating the market with a daily notification covering purchases up to 18 June 2026. The company reported that it had bought back a total of 28,449,449 ordinary fully paid sh...
Credit Clear Updates Market on Progress of On-Market Share Buy-Back
Jun 9, 2026
Credit Clear Limited has provided an updated notification to the ASX on its ongoing on-market share buy-back program for its ordinary fully paid shares, trading under the code CCR. The company reported that it had bought back a cumulative total of...
Credit Clear updates market on ongoing on-market share buy-back
Jun 3, 2026
Credit Clear Limited has updated the market on progress under its on-market share buy-back program, reporting that a total of 19,696,857 ordinary fully paid shares had been repurchased before the previous trading day. The company also disclosed th...
Credit Clear Issues Daily Update on Ongoing On‑Market Share Buy‑Back
Jun 2, 2026
Credit Clear Limited has provided an updated notification to the ASX regarding its ongoing on‑market share buy‑back program for its ordinary fully paid shares under code CCR. The company reported that it has bought back a cumulative to...
Credit Clear Cuts Share Count After On-Market Buy-Back
Jun 1, 2026
Credit Clear Limited has cancelled 8,375,743 ordinary fully paid shares following completion of an on-market buy-back that reached cessation on 31 May 2026. The reduction in issued capital reflects an active capital management strategy that may en...
Credit Clear updates on ongoing on-market share buy-back
Jun 1, 2026
Credit Clear Limited has provided an updated notification on its ongoing on-market share buy-back of ordinary fully paid shares. As of 2 June 2026, the company reported that it had repurchased a cumulative 19,314,332 shares since the program began...
Credit Clear updates market on ongoing on-market share buy-back
May 31, 2026
Credit Clear Limited has continued its on-market share buy-back program, reporting that a total of 19,138,317 ordinary fully paid shares had been repurchased prior to the latest trading day. The company disclosed that a further 176,015 shares were...
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.