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CCR.AX ASX Financial Technology (Fintech)

Credit Clear Ltd

A$0,22
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Mcap
114,9M AUD
P/E
30,9x
EV / Rev
Div yield
Op margin
ROE
Net margin
Debt / equity
Beta
52w range
Volume
Day range
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Open
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Ex-dividend
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About

Credit Clear Ltd provides financial technology solutions, primarily focused on credit risk management and clearing services for financial institutions.

Business. Credit Clear Ltd (CCR.AX) is a financial technology company that operates within the fintech and infrastructure sector. The firm generates revenue primarily through a fee-income model, consistent with industry peers such as card networks and clearinghouses. Specific details regarding operating segments, headquarters location, and primary stock exchange listings are not available in the provided data.

Classification92 %
SectorTechnology
Business sectorFinancial Technology (Fintech) & Infrastructure
IndustryFinancial Technology (Fintech)
Generated · model-assisted
Sell-side consensus
BUY2 analysts
2 buy0 hold0 sell
Avg 12m price target0,38

Analyst recommendations

2 analysts · consensus Buy
Buy2
Hold0
Sell0
12-month price target
0,38
Consensus of sell-side coverage.
Upcoming events
— missing data
See all catalysts →

At a glance

Score
30
composite score
Valuation
30,9x
P/E
Analysts
Buy
2 analysts · indicative
Ownership
not yet wired
Profitability
not yet wired
Quality
58
quality score (0-100)

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning CCR.
  • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,2 %+1,6 %+2,4 %
    Energy+1,2 %+5,3 %+1,4 %
    Real Estate+0,7 %+4,1 %+0,8 %
    Health Care+0,7 %−0,5 %+0,8 %
    Consumer Discretionary+0,3 %+8,7 %+0,5 %
    Information Technology · THIS SECTOR−0,3 %+6,6 %−0,1 %
    Financials−0,3 %−4,5 %−0,1 %
    Consumer Staples−1,0 %+3,0 %−0,8 %
    Utilities−1,5 %−21,2 %−1,3 %
    Industrials−1,7 %−2,3 %−1,6 %
    Communication Services

    Developing storylines

    No tracked sagas currently linked to CCR.AX. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-07-07 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Macro
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-07-08 · AU
    • Rate decisionBank of Canada rate decision (press conf.)2026-07-15 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-07-16 · EU
    • Rate decisionBank of Japan rate decision (press conf.)2026-07-16 · JP
    • Rate decisionFederal Reserve rate decision (press conf.)2026-07-29 · US
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Composite score30 / 100
    Composite score 0-100 · Data quality 0,58
    Data quality0,58 / 1.00

    Synthesis

    Business

    Credit Clear Ltd (CCR.AX) is a financial technology company that operates within the fintech and infrastructure sector. The firm generates revenue primarily through a fee-income model, consistent with industry peers such as card networks and clearinghouses. Specific details regarding operating segments, headquarters location, and primary stock exchange listings are not available in the provided data.

    Classification92 %
    SectorTechnology
    Business sectorFinancial Technology (Fintech) & Infrastructure
    IndustryFinancial Technology (Fintech)
    AI synthesis
    GENERATED

    Credit Clear Ltd has a market capitalization of AUD 109.68 million, with a current market price of AUD 0.21 per share. The company has 522.31 million shares outstanding, with no dilution from potential share issuance as of the latest data. Analysts have assigned a mean price target of AUD 0.38, suggesting a potential upside of 81% from the current market price. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents.

    Profitability metrics for Credit Clear are not available in the current dataset, and no direct comparison to industry medians can be made. The company's valuation snapshot does not include key profitability ratios such as ROIC or EBITDA margins, which are typically used to assess performance in the fintech sector.

    The company's revenue concentration and geographic exposure are not disclosed in the available data. As a fintech firm, Credit Clear may be exposed to regional financial regulations and market conditions, but specific segment or geographic breakdowns are not available for analysis.

    Growth trajectory is not quantified in the current dataset, but analyst price targets suggest a positive outlook. The company has not disclosed revenue history or future guidance, making it difficult to assess growth potential beyond analyst estimates.

    Risk factors include the inability to assess liquidity risk due to missing balance-sheet data. The company is also exposed to general fintech industry risks, such as regulatory changes and competition. Dilution risk is currently low, as there is no evidence of potential share issuance or dilution from convertible instruments.

    Recent events or filings are not disclosed in the available data. The company has not issued any notable press releases or earnings transcripts in the current dataset, limiting the ability to assess recent operational or strategic developments.

    Key takeaways
    • Credit Clear has a market price of AUD 0.21 and a market cap of AUD 109.68 million.
    • Analysts have assigned a mean price target of AUD 0.38, indicating a potential upside of 81%.
    • No balance-sheet data is available, making it impossible to assess liquidity risk.
    • Dilution risk is currently low, with no evidence of potential share issuance.
    • The company's profitability and growth metrics are not disclosed in the current dataset.

    Bull / Bear case

    Generated · model-assisted
    — missing data

    In focus — financials by report

    Annual
    ANNUALFiled 2025-08-22
    FY 2025 · Full-year highlights

    Revenue A$46.9M, +11,7% YoY; Operating income +56,3% YoY.

    RevenueA$46.9M+11,7 % YoY
    Operating income-A$2.2M+56,3 % YoY
    Net incomeA$3.5M+178,8 % YoY
    Free cash flowA$7.8M+1 207,4 % YoY
    EPS
    Operating cash flowA$5.8M+56,7 % YoY
    Financials
    Income statement
    RevenueA$46.9M
    Gross profit
    Operating income-A$2.2M
    Net incomeA$3.5M
    Margins
    Gross margin
    Operating margin-4.6%
    Net margin7.6%
    FCF margin16.7%
    Balance sheet
    Total assetsA$85.4M
    Total liabilitiesA$21.1M
    Total equityA$64.3M
    Cash & equivalents
    Long-term debtA$3.9M
    Cash flow
    Operating cash flowA$5.8M
    CapEx-A$2.0M
    Free cash flowA$7.8M
    SBC
    P&L flow · revenue → net income
    Revenue A$46.9MOperating costs A$49.1MNet income A$3.5M
    Highlights
    • Revenue A$46.9M, +11,7% YoY
    • Operating income +56,3% YoY
    • Net income +178,8% YoY
    • Free cash flow +1 207,4% YoY
    • Net margin 7.6%

    Valuation FY

    Market price
    A$0,22
    Market cap
    A$109.7M
    Enterprise value
    P/E
    30.9x
    Non-GAAP P/E
    EV / Revenue
    EV / Op income
    EV / OCF
    P / B
    P / Tangible book
    Tangible book
    Net cash
    Current ratio
    Debt / equity
    ROA
    ROE
    Cash conversion
    CapEx / revenue
    SBC / revenue
    Dilution ratio
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Next quarternear-term
    Earnings · next quarterconf 45 %
    EPS
    Consensus EPS
    0,01
    Predicted surprise
    +0,00
    Beat probability
    45 %
    Analysts
    2
    Other metrics
    Revenue
    no estimate
    Segment revenue
    no estimate
    Margin
    no estimate
    Segment margin
    no estimate
    as of 2026-05-10 · Earnings Surprise V1
    Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
    Full fiscal year~1 year ahead
    Full fiscal year · our forecast vs guidance vs consensus
    MetricOur forecastGuidanceConsensus
    EPSno estimateno estimate0,01
    Revenueno estimateno estimate58,0M AUD
    Operating incomeno estimateno estimate4,5M AUD
    Full-year consensus mean (period as reported by source) · consensus in AUD. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
    Probabilistic model output — not investment advice. · generated 2026-07-07

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution2 analysts
    Strong buy0
    Buy2
    Hold0
    Sell0
    Strong sell0
    12-month price targetA$0,38 · Median A$0,38
    Low A$0,35High A$0,40
    Operating income · consensus4,5M AUD
    EPS surprise
    −20,0 %
    reported vs consensus · miss
    Revenue surprise
    −19,1 %
    reported vs consensus · miss

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    LowA$0,35
    MeanA$0,38
    MedianA$0,38
    HighA$0,40
    SpotA$0,22
    +70.5 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskUnknown

    Benchmarks vs cohort

    No cohort benchmark data available for this issuer yet.

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Market Price
      input from market-data provider (delayed close or quote-shim mid)
    • Market Cap
      market_price * shares_outstanding_diluted
    Source documents
    • Credit Clear Ltd Market data — financials · 2026-05-27
    • Credit Clear Ltd Market data — analyst estimates · 2026-05-27

    Ownership & reference

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    CCR.AXCanonical
    ASX · AUD

    Intel & risk

    PredictorBeat prob45 %Surprise+0,00Full forecast →
    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskUnknown

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
    2025-08-22 04:42 UTCEARNINGSAnnual results — FY 2025 Revenue AUD 46.9M · Net AUD 3.5M
    2024-08-28 04:26 UTCEARNINGSAnnual results — FY 2024 Revenue AUD 42.0M · Net AUD -4.5M
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-07-07 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage