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Credit Clear Limited
(Sydney:CCR)
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Rating:69Neutral
Price Target:
AU$0.13
â–¼(-6.43% Downside)
Action:Reiterated
Date:10/23/26
The score is driven primarily by improving financial performance (return to profitability, strong FY2026 revenue growth, conservative leverage, and stronger free cash flow). Offsetting this, technicals are weak with price below key moving averages and a negative MACD. Valuation is reasonable at a mid-teens P/E, but the lack of dividend data limits support from income returns.
Positive Factors
Revenue growth and profitability
The return to profitability alongside strong FY2026 revenue growth indicates improving commercial scale and operating execution. Positive margins show that the platform is converting increased activity into earnings, creating a stronger base for reinvestment and continued expansion over the next several quarters.
Negative Factors
Sharp gross margin compression
The steep gross-margin decline signals that the economics of delivering revenue have become less favorable or more variable. If this compression persists, revenue growth may translate less effectively into operating profit and cash generation, limiting the durability of the recent profitability improvement.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue growth and profitability
The return to profitability alongside strong FY2026 revenue growth indicates improving commercial scale and operating execution. Positive margins show that the platform is converting increased activity into earnings, creating a stronger base for reinvestment and continued expansion over the next several quarters.
Read all positive factors
Credit Clear Limited (CCR) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$65.42M
Dividend YieldN/A
Average Volume (3M)261.18K
Price to Earnings (P/E)15.1
Beta (1Y)0.71
Revenue Growth28.01%
EPS Growth2.38%
CountryAU
Employees220
SectorTechnology
Sector Strength88
IndustryInformation Technology Services
Share Statistics
EPS (TTM)<0.01
Shares Outstanding503,261,840
10 Day Avg. Volume438,876
30 Day Avg. Volume261,181
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$75.40M
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 | 4.11M | 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
Neutral
0.14
Price Trends
0.14
Negative
0.14
Negative
0.18
Negative
Market Momentum
>-0.01
Negative
49.61
Neutral
53.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:CCR, the sentiment is Neutral. The current price of 0.14 is above the 20-day moving average (MA) of 0.13, above the 50-day MA of 0.14, and below the 200-day MA of 0.18, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 49.61 is Neutral, neither overbought nor oversold. The STOCH value of 53.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
69 Neutral | AU$65.42M | 15.12 | 5.40% | ― | 28.01% | 2.38% | |
63 Neutral | AU$31.76M | 37.24 | 6.26% | ― | 15.94% | ― | |
63 Neutral | AU$44.13M | 36.36 | 3.15% | 3.13% | -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% | 7.58% | ― | ― | |
43 Neutral | AU$82.17M | -4.04 | -14.16% | ― | -6.74% | 64.64% | |
42 Neutral | AU$1.85M | -0.02 | -122.17% | 900.00% | -60.21% | 50.10% |
* Technology Sector Average
AU:CCR
Credit Clear Limited
0.13
-0.16
-55.17%
AU:CCA
Change Financial Ltd
0.05
-0.02
-34.29%
AU:EML
EML Payments
0.21
-0.76
-78.35%
AU:OVT
IOUpay Limited
0.01
0.00
0.00%
AU:CGO
CPT Global Limited
0.09
<0.01
5.88%
AU:CCG
Comms Group Ltd. (Australia)
0.08
0.01
19.40%
Credit Clear Limited Corporate Events
Credit Clear Sets Date and Agenda for 2026 AGM in Melbourne
Oct 22, 2026
Credit Clear Limited has scheduled its 2026 Annual General Meeting for 24 November 2026 at 11.00 am AEDT in Melbourne, outlining that the full notice, agenda and explanatory materials are available online and via the ASX platform under its code CC...
Credit Clear Issues Over 6.6 Million Unquoted Share Rights Under Employee Scheme
Oct 14, 2026
Credit Clear Limited has notified the market of the issue of 6,629,157 unquoted share rights under its employee incentive scheme, recorded as CCRAG, with an issue date of August 3, 2026. The move reinforces the company’s use of equity-based ...
Credit Clear Sets November AGM Date and Opens Director Nominations
Sep 23, 2026
Credit Clear Limited has scheduled its Annual General Meeting for 19 November 2026, where the election of directors will be a key item of business. In line with its constitution and ASX listing rules, the company has opened the nomination process ...
Credit Clear Director Increases Shareholding Through Equity Remuneration
Sep 11, 2026
Credit Clear Limited has reported a change in director Michael Doery’s indirect interest in the company’s securities, reflecting an increase in his shareholding through Miclod Holdings Pty Ltd. The update, lodged with the ASX, details ...
Credit Clear boosts director equity via share-based remuneration
Sep 11, 2026
Credit Clear Limited has disclosed a change in director Jodie Bedoya’s indirect interests in the company’s securities, reflecting an issuance of new ordinary shares. The change arises from the allocation of 53,965 shares to EDJO Pty Lt...
Credit Clear director increases equity stake through share-based remuneration
Sep 11, 2026
Credit Clear Limited has disclosed a change in director Hugh Robertson’s interests in the company’s securities following an issue of shares in lieu of cash remuneration. The transaction reflects the company’s practice of compensa...
Credit Clear Expands ASX-Listed Share Base With New Ordinary Securities
Sep 10, 2026
Credit Clear Limited, an ASX-listed financial technology company, specialises in digital receivables management and debt collection solutions for businesses, using data-driven tools to streamline collection activities and improve payment outcomes....
Credit Clear Issues Shares to Directors in Lieu of Cash Fees
Sep 10, 2026
Credit Clear Limited has applied to the ASX for quotation of 512,674 new ordinary fully paid shares, issued on 9 September 2026. These shares have been granted to related parties in lieu of cash remuneration for directors’ fees, as approved ...
Credit Clear Launches On-Market Share Buy-Back of Ordinary Shares
Sep 7, 2026
Credit Clear Limited has announced it will conduct an on-market share buy-back of its ordinary fully paid shares listed on the ASX under the code CCR. The move signals management’s intention to deploy capital towards reducing the number of s...
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...
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.