Credit Clear Limited (ASX:CCR)

Credit Clear Statistics

Total Valuation

Credit Clear has a market cap or net worth of AUD 110.41 million. The enterprise value is 101.09 million.

Market Cap	110.41M
Enterprise Value	101.09M

Important Dates

The next estimated earnings date is Friday, August 22, 2025.

Earnings Date	Aug 22, 2025
Ex-Dividend Date	n/a

Share Statistics

Credit Clear has 424.65 million shares outstanding. The number of shares has increased by 4.89% in one year.

Current Share Class	424.65M
Shares Outstanding	424.65M
Shares Change (YoY)	+4.89%
Shares Change (QoQ)	+5.97%
Owned by Insiders (%)	35.82%
Owned by Institutions (%)	15.21%
Float	254.32M

Valuation Ratios

PE Ratio	n/a
Forward PE	31.14
PS Ratio	2.44
PB Ratio	1.89
P/TBV Ratio	8.26
P/FCF Ratio	26.28
P/OCF Ratio	24.45
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 125.27, with an EV/FCF ratio of 24.06.

EV / Earnings	-22.13
EV / Sales	2.23
EV / EBITDA	125.27
EV / EBIT	n/a
EV / FCF	24.06

Financial Position

The company has a current ratio of 1.74, with a Debt / Equity ratio of 0.08.

Current Ratio	1.74
Quick Ratio	1.27
Debt / Equity	0.08
Debt / EBITDA	5.59
Debt / FCF	1.07
Interest Coverage	-11.97

Financial Efficiency

Return on equity (ROE) is -7.65% and return on invested capital (ROIC) is -4.51%.

Return on Equity (ROE)	-7.65%
Return on Assets (ROA)	-3.74%
Return on Invested Capital (ROIC)	-4.51%
Return on Capital Employed (ROCE)	-7.51%
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	0.58
Inventory Turnover	n/a

Taxes

In the past 12 months, Credit Clear has paid 45,000 in taxes.

Income Tax	45,000
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has decreased by -13.33% in the last 52 weeks. The beta is -0.13, so Credit Clear's price volatility has been lower than the market average.

Beta (5Y)	-0.13
52-Week Price Change	-13.33%
50-Day Moving Average	0.24
200-Day Moving Average	0.27
Relative Strength Index (RSI)	53.83
Average Volume (20 Days)	324,253

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, Credit Clear had revenue of AUD 45.32 million and -4.57 million in losses. Loss per share was -0.01.

Revenue	45.32M
Gross Profit	20.09M
Operating Income	-4.67M
Pretax Income	-4.52M
Net Income	-4.57M
EBITDA	-509,000
EBIT	-4.67M
Loss Per Share	-0.01

Balance Sheet

The company has 13.83 million in cash and 4.51 million in debt, giving a net cash position of 9.32 million or 0.02 per share.

Cash & Cash Equivalents	13.83M
Total Debt	4.51M
Net Cash	9.32M
Net Cash Per Share	0.02
Equity (Book Value)	58.27M
Book Value Per Share	0.14
Working Capital	11.82M

Cash Flow

In the last 12 months, operating cash flow was 4.52 million and capital expenditures -314,000, giving a free cash flow of 4.20 million.

Operating Cash Flow	4.52M
Capital Expenditures	-314,000
Free Cash Flow	4.20M
FCF Per Share	0.01

Margins

Gross margin is 44.33%, with operating and profit margins of -10.30% and -10.08%.

Gross Margin	44.33%
Operating Margin	-10.30%
Pretax Margin	-9.98%
Profit Margin	-10.08%
EBITDA Margin	-1.12%
EBIT Margin	-10.30%
FCF Margin	9.27%

Dividends & Yields

Credit Clear does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-4.89%
Shareholder Yield	n/a
Earnings Yield	-4.14%
FCF Yield	3.81%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Credit Clear has an Altman Z-Score of 3.12 and a Piotroski F-Score of 4.

Altman Z-Score	3.12
Piotroski F-Score	4