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Complii FinTech Solutions Ltd (CF1) Fair Value & Analysis

Technology · AU · Market cap A$19.5M

CF Complii FinTech Solutions Ltd CF1 · AU
PriceA$0.0260
Fair ValueA$0.0250
Upside-3.9%
Quality48/100
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Mixed Growth
Loss-making · -29.9% net margin
negative free cash flow
Trails peers (2/9)
Narrow moat 10/100
Evidence: Low Share as image

Fair value as of: Jul 16, 2026

From 2 valuation models · updated 25 days ago

Fair value updated Jul 16, 2026, revised from A$0.0230 to A$0.0250 (+8.9%) since Jun 26, 2026. Share price −13.3% over the past month.

Below-average quality, currently priced close to our fair value.

What matters now

  • The price sits close to our fair value, market and models broadly agree here, little valuation tension.
  • Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
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Price vs Fair Value (5 years)

A$0.3200 A$0.0140 Fair Value A$0.0250 Oct 2019 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.

How to read this chart

60‑month range A$0.0140 – A$0.3200 · the A$0.0260 price screens above the A$0.0250 fair value. Dashed = 300-day average. As of Jul 16, 2026.

Full chart & analysis →

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Analysis

Complii FinTech Solutions Ltd (CF1) currently trades at A$0.0260, while our model-based Fair Value estimate is A$0.0250, implying the stock looks roughly 3.9% fairly valued today. The Quality Score stands at 48/100 (below-average 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: low).

Over the trailing twelve months, Complii FinTech Solutions Ltd generated revenue of A$9.5M at a net margin of -29.9%. Revenue declined 3.3% year over year. It earns a return on equity of -54.8%. The balance sheet holds a net cash position of A$1.6M. Fundamentals as of Jul 16, 2026

The share trades about 19% below its 52-week high and 63% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at -27% fair-value upside, at -4%, CF1 screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Gordon GGM A$0.0100 70
NCAV (Graham) A$0.0100 A$0.0100 50
All 2 models by family
Dividend Discount
Gordon GGM A$0.0100 70
Asset-Based
NCAV (Graham) A$0.0100 A$0.0100 50

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Key figures & financial health

Revenue (TTM) A$9.5M
Revenue growth (YoY) -3.3%
Net margin -29.9%
Return on equity -54.8%
Free cash flow −A$1.2M FY2025
Operating margin -26.5%
More key figures
Net cash A$1.6M FY2025

Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 48/100

Of which business quality 49 · Market factors (momentum, volatility) 58

Profitability 24
Margins and returns on capital today
Quality Growth 80
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 72
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 67
Price trend over the last 3–12 months (market factor)
52W Momentum 50
Distance to the 52-week high (market factor)
Net Issuance 51
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Complii FinTech Solutions Ltd operates an integrated corporate and adviser management platform for the financial services sector in Australia, the Philippines, and internationally.

Full company description

Complii FinTech Solutions Ltd operates an integrated corporate and adviser management platform for the financial services sector in Australia, the Philippines, and internationally. It operates Account Fast that enables new adviser client establishment for online service management; Boom, a back office online management for online client account administration and paraplanning; Adviser Bid, which enables automated distribution and acceptance of corporate deals; Complaints that manages resolution, notify, and alert for mandatory obligation deadlines; Compliance that fulfills all transactionally related Australian financial services license (AFSL) requirements; Corporate Highway Access for corporate deal flow and liquidity within the Complii Community; Financial Crimes that enables alert to suspicious trading and screen clients/investors; Rebalancer, an intuitive workflow to rebalance client portfolios, actively monitor drift and generate client reports; Online portfolio is the portal for Adviser's clients to access information and download forms; Risk Management to identify, manage, and control risks across an organization; and Staff Trading to manage, check, and reconcile pre-order staff trading requests. The company manages Caddie for the management of adviser and CPD obligations; PRIMARYMARKETS.com, a capital raising platform for unlisted companies and funds; and MIntegrity for operational and regulatory risk consulting. The company is based in Sydney, Australia.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Complii FinTech Solutions Ltd reported revenue of A$9.6M in FY2025 versus A$2.0M in FY2021, a compound +47.7%/yr. Reported net income was −A$2.7M in FY2025.

Growth Quality 12/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
A$9.6M
Latest YoY
+52.5%
Avg. growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+3.7%
Avg. growth/yr (19Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−1.5%
Revenue +47.7%/yr
FY21 A$2.0M
FY22 A$8.6M
FY23 A$6.7M
FY24 A$6.3M
FY25 A$9.6M
Net income
FY21 −A$4.2M
FY22 A$115K
FY23 −A$5.4M
FY24 −A$10.2M
FY25 −A$2.7M

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Cite: Fair Value Calculator (2026). "Complii FinTech Solutions Ltd Fair Value". https://www.fairvalue-calculator.com/stock/CF1

Peer Group

Software - Application · 709 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 48 · Below median
Fair Value upside −23% · Above median
Return on assets -24% · Bottom 25%
Net margin (TTM) -30% · Bottom 25%
Operating margin (TTM) -26% · Bottom 25%
Revenue growth -3% · Below median

Valuation Multiples vs Software - Application median · lower = cheaper

P/B 2.75× · Pricier than median
P/S (TTM) 1.46× · Cheaper than median

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 3 · sector 0
FUTURE 0 · sector 38
PAST 0 · sector 13
HEALTH 0 · sector 98
DIVIDEND 0 · sector 28

Insider activity: 35/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Software - Application stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).

Stock Price Fair Value vs Fair Value
SAP SE SAPS C$12.69 C$16.26 +28%
Shopify Inc SHOP C$173.23 C$20.54 -88%
Uber Technologies, Inc UBER $72.67 $51.11 -30%
Salesforce, Inc CRM $170.77 $182.10 +7%
ServiceNow, Inc NOW $107.71 $33.12 -69%
Cadence Design Systems, Inc CDNS $384.17 $80.41 -79%
Snowflake Inc SNOW $271.87 $34.04 -87%
Adobe Inc ADBE $230.61 $379.48 +65%
Automatic Data Processing, Inc ADP $241.92 $177.51 -27%
Intuit Inc INTU $291.09 $258.69 -11%

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Frequently asked questions

Is Complii FinTech Solutions Ltd (CF1) overvalued or undervalued?
As of Jul 16, 2026, our model estimates a fair value of A$0.0250 versus a price of A$0.0260, about −4% (fairly valued).
What is the fair value of CF1?
Our model-based fair value for Complii FinTech Solutions Ltd is A$0.0250 (as of Jul 16, 2026), built from audited fundamentals. The current price is A$0.0260.
What is the quality score of CF1?
Complii FinTech Solutions Ltd has a Quality Score of 48/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of Complii FinTech Solutions Ltd (CF1)?
Complii FinTech Solutions Ltd reported trailing-twelve-month revenue of about A$9.5M (latest available figure, as of Jul 16, 2026).
What is the net profit margin of CF1?
The net profit margin of Complii FinTech Solutions Ltd is about -29.9%, meaning it is currently running at a net loss. 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.

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