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Credit Clear Limited (CCR) Fair Value & Analysis

Technology · AU · Market cap A$106M

CC Credit Clear Limited CCR · AU
PriceA$0.2200
Fair ValueA$0.1800
Upside-18.2%
Quality92/100
Evidence: High Range A$0.1300 – A$0.2200

Fair value as of: Jun 24, 2026

From 26 valuation models · updated 5 days ago

Fair value updated Jun 24, 2026 — revised from A$0.2700 to A$0.1800 (−33.3%) since Jun 23, 2026. Share price −28.6% over the past month.

Price vs Fair Value (12 months)

A$0.4400 A$0.2200 Fair Value A$0.1800 Jun 2025 Jun 2026

12‑month range A$0.2200 – A$0.4400 · fair‑value band A$0.1300 – A$0.2200 · the A$0.2200 price screens above the A$0.1800 fair value. As of Jun 24, 2026.

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Analysis

Credit Clear Limited (CCR) currently trades at A$0.2200, while our model-based Fair Value estimate is A$0.1800 — implying the stock looks roughly 18.2% overvalued today. We read business quality at 92/100 (high quality), in the Technology sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

Over the trailing twelve months, Credit Clear Limited generated revenue of A$48.7M at a net margin of 10.1%. Revenue grew 7.6% year over year. It earns a return on equity of 7.3%. The balance sheet holds a net cash position of A$11.7M. Fundamentals as of Jun 24, 2026

Key figures & financial health

Revenue (TTM) A$48.7M
Revenue growth (YoY) +7.6%
Net margin 10.1%
Return on equity 7.3%
Free cash flow A$5.4M FY2024
P/E ratio 21.0
More key figures
Operating margin -2.8%
EPS (TTM) A$0.0100
Net cash A$11.7M FY2024

Figures from reported company fundamentals (EODHD) · as of Jun 24, 2026. TTM = trailing twelve months.

About the company

Credit Clear Limited engages in the provision of debt resolution services and technology development and implementation of the digital engagement platform in Australia and New Zealand. It operates in two segments, Receivable Collections and Legal Services. The company offers receivable collection services using a combination of technology solutions as well as traditional collection methods; and technology-enabled communications platform that helps organizations to drive financial outcomes by changing the way customers manage the re-payments. It also provides credit legal services. It serves the telecommunications, insurance, trade credit, financial services, local and state government, utility, and insurance industries. Credit Clear Limited was incorporated in 2015 and is based in Alexandria, Australia.

Revenue & earnings trend

FY2020 – FY2024 · reported fiscal years

Credit Clear Limited reported revenue of A$47.0M in FY2024 versus A$11.0M in FY2020, a compound +43.8%/yr. Reported net income was A$3.5M in FY2024.

Revenue +43.8%/yr
FY20 A$11.0M
FY21 A$21.5M
FY22 A$35.0M
FY23 A$42.0M
FY24 A$47.0M
Net income
FY20 −A$8.0M
FY21 −A$11.1M
FY22 −A$11.1M
FY23 −A$4.5M
FY24 A$3.5M

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Similar stocks

6 more Information Technology Services stocks, each showing price versus our Fair Value estimate (as of Jun 24, 2026).

Stock Price Fair Value vs Fair Value
International Business Machines Corporation IBM $264.94 $147.06 -44%
Accenture plc ACN $124.83 $250.14 +100%
Tata Consultancy Services Limited TCS ₹2,199 ₹1,863 -15%
Infosys Limited INFY ₹1,144 ₹1,305 +14%
Fujitsu Limited FJTSF $18.78 $24.50 +30%
HCL Technologies Limited HCLTECH ₹1,131 ₹2,568 +127%

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Frequently asked questions

Is Credit Clear Limited (CCR) undervalued?
As of Jun 24, 2026, our model estimates a fair value of A$0.1800 versus a price of A$0.2200 — about −18% (overvalued). Model-based estimate, not financial advice.
What is the fair value of CCR?
Our 21-model fair value for Credit Clear Limited is A$0.1800 (as of Jun 24, 2026), built from audited fundamentals. The current price is A$0.2200.
What is the quality score of CCR?
Credit Clear Limited has a Quality Score of 92/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Credit Clear Limited (CCR)?
Credit Clear Limited reported trailing-twelve-month revenue of about A$48.7M (latest available figure, as of Jun 24, 2026).
What is the net profit margin of CCR?
The net profit margin of Credit Clear Limited is about 10.1%, meaning it keeps roughly 10.1% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.