How does CCR's PS Ratio compare to its peers?

CCR is expensive based on its Price-To-Sales Ratio (3.6x) compared to the peer average (2.1x).

How does CCR's PS Ratio compare vs other companies in the AU Software Industry?

CCR is expensive based on its Price-To-Sales Ratio (3.6x) compared to the Australian Software industry average (3.1x).

What is CCR's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CCR is expensive based on its Price-To-Sales Ratio (3.6x) compared to the estimated Fair Price-To-Sales Ratio (2.4x).

What is the Fair Price of CCR when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

CCR (A$0.37) is trading below our estimate of [[fair value]] (A$0.71)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Target price is less than 20% higher than the current share price.

Credit Clear (ASX:CCR) - Stock Price, News & Analysis

CCR Stock Overview

Engages in the development and implementation of receivables management platform, and provision of receivable collection services in Australia and New Zealand. More details

CCR fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	4/6
Past Performance	0/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 48.5% below our estimate of its fair value

Earnings are forecast to grow 51.92% per year

Risk Analysis

Does not have a meaningful market cap (A$153M)

Credit Clear Limited Competitors

COSOL

ASX:COS

AU$154.4m

Acusensus

ASX:ACE

AU$119.0m

Bigtincan Holdings

ASX:BTH

AU$143.8m

Energy One

ASX:EOL

AU$172.5m

Price History & Performance

Summary of all time highs, changes and price drops for Credit Clear
Historical stock prices
Current Share Price	AU$0.36
52 Week High	AU$0.36
52 Week Low	AU$0.17
Beta	-0.13
11 Month Change	10.61%
3 Month Change	32.73%
1 Year Change	102.78%
33 Year Change	-27.00%
5 Year Change	n/a
Change since IPO	-20.65%

Credit Clear Limited's (ASX:CCR) Share Price Not Quite Adding Up

Sep 26

Recent updates

Credit Clear Limited's (ASX:CCR) Share Price Not Quite Adding Up

Sep 26

Credit Clear Limited's (ASX:CCR) Share Price Could Signal Some Risk

Jun 17

Credit Clear Limited (ASX:CCR) Stock Rockets 38% But Many Are Still Ignoring The Company

Feb 28

We're Hopeful That Credit Clear (ASX:CCR) Will Use Its Cash Wisely

Aug 30

Little Excitement Around Credit Clear Limited's (ASX:CCR) Earnings As Shares Take 27% Pounding

May 18

Companies Like Credit Clear (ASX:CCR) Are In A Position To Invest In Growth

Jan 28

Alexander Waislitz of Credit Clear Limited (ASX:CCR) Just Spent AU$741k On Shares

Feb 27

Credit Clear Limited (ASX:CCR) Insiders Have Been Selling

Jan 27

Shareholder Returns

	CCR	AU Software	AU Market
7D	2.8%	-3.6%	0.9%
1Y	102.8%	80.4%	18.4%

Return vs Industry: CCR exceeded the Australian Software industry which returned 80.4% over the past year.

Return vs Market: CCR exceeded the Australian Market which returned 18.4% over the past year.

Price Volatility

Is CCR's price volatile compared to industry and market?
CCR volatility
CCR Average Weekly Movement	6.6%
Software Industry Average Movement	9.2%
Market Average Movement	8.6%
10% most volatile stocks in AU Market	17.3%
10% least volatile stocks in AU Market	3.3%

Stable Share Price: CCR has not had significant price volatility in the past 3 months compared to the Australian market.

Volatility Over Time: CCR's weekly volatility (7%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2015	n/a	Andrew Smith	creditclear.com.au

Credit Clear Limited engages in the development and implementation of receivables management platform, and provision of receivable collection services in Australia and New Zealand. It operates in two segments, Receivable Collections and Legal Services. The company offers technology-enabled communications platform that helps organizations to drive financial outcomes by changing the way customers manage their re-payments.

Credit Clear Limited Fundamentals Summary

How do Credit Clear's earnings and revenue compare to its market cap?
CCR fundamental statistics
Market cap	AU$153.49m
Earnings (TTM)	-AU$4.50m
Revenue (TTM)	AU$42.24m

3.6x

P/S Ratio

-34.1x

P/E Ratio

Is CCR overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CCR income statement (TTM)
Revenue	AU$42.24m
Cost of Revenue	AU$23.92m
Gross Profit	AU$18.32m
Other Expenses	AU$22.82m
Earnings	-AU$4.50m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	-0.011
Gross Margin	43.36%
Net Profit Margin	-10.65%
Debt/Equity Ratio	0%

How did CCR perform over the long term?

See historical performance and comparison

CCR Stock Overview

Rewards

Risk Analysis

Credit Clear Limited Competitors

ASX:COS

AU$154.4m

ASX:ACE

AU$119.0m

ASX:BTH

AU$143.8m

ASX:EOL

AU$172.5m

Price History & Performance

Recent News & Updates

Independent Chairman recently bought AU$669k worth of stock

Credit Clear Limited, Annual General Meeting, Nov 22, 2024

Credit Clear Limited's (ASX:CCR) Share Price Not Quite Adding Up

Non-Executive Director recently bought AU$106k worth of stock

Full year 2024 earnings: Revenues in line with analyst expectations

Credit Clear Limited Appoints Jodie Bedoya as Non-Executive Director, Effective from 1 September 2024

Recent updates

Independent Chairman recently bought AU$669k worth of stock

Credit Clear Limited, Annual General Meeting, Nov 22, 2024

Credit Clear Limited's (ASX:CCR) Share Price Not Quite Adding Up

Non-Executive Director recently bought AU$106k worth of stock

Full year 2024 earnings: Revenues in line with analyst expectations

Credit Clear Limited Appoints Jodie Bedoya as Non-Executive Director, Effective from 1 September 2024

Credit Clear Limited to Report Fiscal Year 2024 Results on Aug 28, 2024

Credit Clear Limited's (ASX:CCR) Share Price Could Signal Some Risk

Credit Clear Limited (ASX:CCR) Stock Rockets 38% But Many Are Still Ignoring The Company

Credit Clear Limited (ASX:CCR) entered into a binding agreement to acquire DRA Group for AUD 1.5 million.

Credit Clear Limited, Annual General Meeting, Nov 23, 2023

Full year 2023 earnings released: EPS: AU$0 (vs AU$0.046 loss in FY 2022)

New minor risk - Financial data availability

We're Hopeful That Credit Clear (ASX:CCR) Will Use Its Cash Wisely

Little Excitement Around Credit Clear Limited's (ASX:CCR) Earnings As Shares Take 27% Pounding

First half 2023 earnings released: AU$0.02 loss per share (vs AU$0.02 loss in 1H 2022)

Non-Executive Director recently bought AU$319k worth of stock

Less than half of directors are independent

Insider recently bought AU$105k worth of stock

Credit Clear Limited Announces Board Retirements

Credit Clear Limited, Annual General Meeting, Nov 29, 2022

Non-Executive Director recently bought AU$1.3m worth of stock

Credit Clear Limited Appoints Mr. Paul Dwyer as Non-Executive Director

Full year 2022 earnings released: AU$0.046 loss per share (vs AU$0.038 loss in FY 2021)

Credit Clear Limited to Report Fiscal Year 2022 Results on Aug 31, 2022

Credit Clear Limited Announces Resignation of Lewis Romano as Director

Credit Clear Limited Announces the Resignation of Gerd Schenkel from the Board

Credit Clear Limited Appoints Michael Doery as A Non-Executive Director

Less than half of directors are independent

Credit Clear Limited Announces Executive Changes

Credit Clear Limited Appoints Andrew Smith to the Board

Credit Clear Limited Announces Executive Changes

Credit Clear Limited (ASX:CCR) completed the acquisition of Australian Recoveries and Mercantile Agents Pty Ltd.

Companies Like Credit Clear (ASX:CCR) Are In A Position To Invest In Growth

Credit Clear Limited (ASX:CCR) agreed to acquire Australian Recoveries and Mercantile Agents Pty Ltd for AUD 46 million.

Less than half of directors are independent

Full year 2021 earnings released: AU$0.038 loss per share (vs AU$0.026 loss in FY 2020)

Full year 2021 earnings released

Credit Clear Limited Provides Revenue Guidance for the Third Quarter of 2021

New 90-day high: AU$0.78

First half 2021 earnings released: AU$0.02 loss per share

Alexander Waislitz of Credit Clear Limited (ASX:CCR) Just Spent AU$741k On Shares

Insider recently bought AU$741k worth of stock

Credit Clear Limited to Report First Half, 2021 Results on Feb 26, 2021

Credit Clear Limited (ASX:CCR) Insiders Have Been Selling

Non-Executive Director & Co-Founder recently bought AU$63k worth of stock

Credit Clear Limited Appoints Christine Christian AO to its Board as an Independent Non-Executive Director

Insider recently bought AU$400k worth of stock

Shareholder Returns

Price Volatility

About the Company

Credit Clear Limited Fundamentals Summary

3.6x

-34.1x

Earnings & Revenue