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Home CompaniesCredit Clear Ltd

Credit Clear Ltd

Technology Information Technology Services
PortfolioPortfolio WatchlistWatchlist
Company price
0.18 AUD 0.04 ( 28.57%)
Last update at 2026-11-06T04:25:00Z
VOLUME
1918106
Market Cap
70.46M
P/E
14.00

Momentum Score

…

Credit Clear Limited engages in the provision of debt resolution services in Australia. It operates in three segments: Receivables Collections Australia; Collections Offshore; and Legal Services. The company offers receivable collection services through technology solutions, as well as traditional collection methods; and digital collection service. It also provides credit legal services. In addition, the company is involved in technology development and implementation of the digital engagement platform. Credit Clear Limited was incorporated in 2015 and is based in Alexandria, Australia.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
0.14
Low
0.19
High
52 Week Price Range
0.10
Low
0.30
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Credit Clear Ltd is an Australian fintech that provides cloud-based accounts-receivable management and debt-recovery solutions for businesses, combining software, analytics and outsourced collection services. Long-term growth may be supported by recurring SaaS revenue, broader product adoption across financial and utility services, geographic expansion and increased automation and behavioural analytics to improve recovery rates. The company may appeal to investors seeking a technology-led receivables platform with potential for higher operating leverage as volumes scale.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
0.14
Dividend Yield
-
Revenue TTM
60.12M
Revenue Per Share
0.13
Gross Profit TTM
27.79M
Debt / Equity
0.12
ROE
5.84%
Net Debt
-21.38M
ROCE
0.78%
Diluted EPS TTM
0.01

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 3.13M -2.00M -4.56M -11.04M -14.59M
Net income 4.35M 3.54M -4.50M -11.06M -11.13M
Selling general administrative 34.02M 5.74M 25.42M 4.26M 5.99M
Selling and marketing expenses - 7.30M - 5.87M 3.43M
Gross profit 6.12M 21.68M -1.12M -5.70M -9.38M
Reconciled depreciation 6.26M 6.24M 6.63M 6.07M 3.95M
Ebit 0.72M -2.13M -4.17M -9.14M -12.46M
Ebitda 6.98M 1.39M 2.46M -3.08M -8.51M
Depreciation and amortization 6.26M 3.52M 6.63M 6.07M 3.95M
Operating income 0.72M 5.94M -4.95M -9.14M -12.46M
Other operating expenses 59.35M 41.01M 46.95M 44.10M 33.92M
Interest expense 0.48M 0.38M 0.40M 0.14M 0.14M
Tax provision -1.22M -5.54M -0.07M 0.02M 0.00M
Interest income 0.67M 0.52M 0.54M 0.21M 0.02M
Net interest income 0.19M 0.13M 0.14M 0.07M -0.36M
Income tax expense -1.22M 5.54M -0.07M 0.02M -3.46M
Total revenue 60.07M 46.95M 42.00M 34.95M 21.46M
Total operating expenses 5.40M 15.75M 3.83M 3.45M 3.08M
Cost of revenue 53.95M 25.27M 43.12M 40.65M 30.84M
Total other income expense net 2.41M -7.94M 0.38M -1.90M -2.13M
Net income from continuing ops 4.35M 3.54M -4.50M -11.06M -12.58M
Net income applicable to common shares - 3.54M -4.50M -11.06M -12.58M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 120.50M 85.36M 78.08M 76.84M 76.78M
Intangible assets 4.45M 6.85M - 13.35M 16.49M
Other current assets 2.51M - 0.93M 0.31M 0.38M
Total liab 35.94M 21.08M 18.81M 15.56M 16.69M
Total stockholder equity 84.56M 64.28M 59.27M 61.29M 60.09M
Other current liab 19.02M 7.56M 12.00M 8.03M 11.51M
Common stock 119.19M - 101.32M 99.68M 90.45M
Capital stock 119.19M 102.70M - 99.68M 90.45M
Retained earnings -39.32M -43.66M -47.21M -42.71M -33.10M
Other liab - - - 0.67M 1.35M
Good will 57.37M 36.88M 36.88M 35.74M 37.43M
Other assets - - - 1.17M 1.33M
Cash 31.56M 15.68M 18.82M 12.00M 10.20M
Total current liabilities 28.78M 17.87M 15.14M 10.78M 14.51M
Current deferred revenue - - 0.53M 0.52M 0.78M
Net debt -21.38M - -14.54M -6.86M -8.53M
Short term debt 7.36M - 1.07M 1.03M 0.84M
Short long term debt 5.50M - - - -
Short long term debt total 10.18M - 4.27M 5.14M 1.67M
Other stockholder equity - - - -56.97M -57.66M
Property plant equipment - - - 5.37M 2.07M
Total current assets 45.47M 31.20M 25.98M 21.22M 19.46M
Long term investments 1.00M 0.89M - 1.17M 0.62M
Net tangible assets - - - 12.20M 6.17M
Short term investments 9.17M 7.56M - 4.06M 4.17M
Net receivables 11.40M 7.01M 6.24M 4.37M 4.70M
Inventory - - - 0.47M -
Accounts payable 2.41M 3.03M 1.54M 1.20M 1.38M
Accumulated other comprehensive income 4.68M - 5.16M 4.31M 2.73M
Non currrent assets other - - 9.95M -54.46M -
Non current assets total 75.03M 54.16M 52.10M 55.63M 57.32M
Capital lease obligations 4.68M 3.93M - 5.14M 1.67M
Long term debt total - - - 4.11M 0.83M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - -1.88M -2.20M -2.04M -29.30M
Change to liabilities - - - -1.93M 0.74M
Total cashflows from investing activities -16.06M -1.88M -2.20M -2.04M -29.30M
Net borrowings 5.36M -0.11M - -0.96M -0.76M
Total cash from financing activities 16.21M -1.37M -0.35M 6.62M 34.69M
Change to operating activities - - - 0.60M 0.47M
Net income 4.35M 3.54M -4.50M -11.06M -11.13M
Change in cash 8.33M 2.53M 1.14M 1.69M 2.97M
Begin period cash flow 23.23M 13.14M 12.00M 14.37M 11.40M
End period cash flow 31.56M 15.68M 13.14M 16.07M 14.37M
Total cash from operating activities 6.78M 5.79M 3.69M -2.78M -5.93M
Issuance of capital stock 19.94M - 0.50M 7.58M 35.45M
Depreciation 6.26M 6.24M 6.63M 6.07M 3.95M
Other cashflows from investing activities - -1.52M 0.04M -0.29M -27.87M
Change to inventory - - - 1.33M 0.00M
Change to account receivables -1.09M -0.80M -1.03M -0.68M -0.79M
Sale purchase of stock -7.59M - - - 35.45M
Other cashflows from financing activities 3.86M -0.11M 0.26M -0.96M -0.76M
Change to netincome - - - 4.36M 2.36M
Capital expenditures 0.28M 0.36M 1.54M 1.75M 1.43M
Change in working capital -5.43M -6.44M 0.07M -2.01M -1.02M
Stock based compensation - 1.29M - 4.33M 2.36M
Other non cash items 1.61M 1.15M 1.49M 18.96M 8.22M
Free cash flow 6.50M 5.42M 2.16M -4.54M -7.36M

Peer Comparison*

Sector: Technology Industry: Information Technology Services

Stock Name
Change
(AUD)
Price
(AUD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
CCR
Credit Clear Ltd		 0.04
28.57%		 0.18 14.00 - 1.17 0.80 0.78 4.88
NXT
NEXTDC Ltd		 0.55
5.58%		 10.40 82.08 2000.00 15.09 0.81 15.00 20.30
DTL
Data 3 Ltd		 -0.60
4.03%		 14.28 42.51 32.68 2.55 23.86 2.17 23.03
MAQ
Macquarie Technology Group Ltd		 -2.76
5.25%		 49.86 42.44 68.97 3.48 2.06 3.60 12.18
APX
Appen Ltd		 -0.06
4.91%		 1.06 - 9.25 1.20 2.11 0.64 9.35

Profile*

Credit Clear Ltd

Credit Clear Limited engages in the provision of debt resolution services in Australia. It operates in three segments: Receivables Collections Australia; Collections Offshore; and Legal Services. The company offers receivable collection services through technology solutions, as well as traditional collection methods; and digital collection service. It also provides credit legal services. In addition, the company is involved in technology development and implementation of the digital engagement platform. Credit Clear Limited was incorporated in 2015 and is based in Alexandria, Australia.

Building 11, Alexandria, NSW, Australia, 2015

61 2 9189 9541

https://creditclear.com.au

Name Title Year Born
Mr. Andrew Kevin-John Smith CEO & Exec. Director NA
Mr. Lewis James Romano Co-Founder & Head of International NA
Mr. Victor Joseph Peplow Chief Financial Officer NA
Shane Ashton Group Chief Operating Officer NA
Mr. Jason Serafino Chief Product & Technology Officer NA
Mr. Eddie Smith Group Head of Sales NA
Mr. Brenton E. Glaister Managing Director of Credit Solutions 1963
Ms. Veronica Johns Chief Customer Officer NA
Greg Houston Chief Risk & Security Officer NA
Mr. Adam John Gallagher B.Econ., GDipACG., GDipIS., ICSA, M.Com., MAICD Company Sec. & Director NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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