Credit Clear's Days Sales Outstanding for the
six
months ended in Dec. 2025 was 48.77.
Credit Clear's Days Inventory for the
six
months ended in Dec. 2025 was .
Credit Clear's Days Payable for the
six
months ended in Dec. 2025 was .
Therefore, Credit Clear's Cash Conversion Cycle (CCC) for the
six
months ended in Dec. 2025 was 48.77.
Generally, the lower this number is, the better for the company. Although it should be combined with other metrics (such as ROE % and ROA %), it can be especially useful for comparing close competitors, because the company with the lowest CCC is often the one with better management.
Be Aware
CCC is most effective with retail-type companies, which have inventories that are sold to customers. Consulting businesses, software companies and insurance companies are all examples of companies for whom this metric is meaningless.
The CCC is one of several tools that can help you evaluate management, especially if it is calculated for several consecutive time periods and for several competitors. Decreasing or steady CCCs are good, while rising ones should motivate you to dig a bit deeper.
Credit Clear Cash Conversion Cycle Related Terms
Credit Clear Cash Conversion Cycle Historical Data
* Premium members only.
The historical data trend for Credit Clear's Cash Conversion Cycle can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
ASX:CCR vs IBM, ACN, FISV: Cash Conversion Cycle Comparison
For the Information Technology Services subindustry, Credit Clear's Cash Conversion Cycle, along with its competitors' market caps and Cash Conversion Cycle data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Credit Clear Cash Conversion Cycle vs Software Industry
For the Software industry and Technology sector, Credit Clear's Cash Conversion Cycle distribution charts can be found below:
* The bar in red indicates where Credit Clear's Cash Conversion Cycle falls into.
Cash Conversion Cycle (CCC) measures how fast a company can convert cash on hand into even more cash on hand. This metric looks at the amount of time needed to sell inventory, the amount of time needed to collect receivables and the length of time the company is afforded to pay its bills without incurring penalties.
Cash Conversion Cycle is one of several measures of management effectiveness.
Credit Clear's Cash Conversion Cycle for the fiscal year that ended in Jun. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Credit Clear (ASX:CCR) has a Cash Conversion Cycle of 48.77 as of Dec. 2025. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on Credit Clear and its competitors.
Is Credit Clear's Cash Conversion Cycle too high?
Credit Clear's current Cash Conversion Cycle is 48.77. The Software industry median Cash Conversion Cycle is 32.23. Credit Clear's value of 48.77 is 51.3% above this industry median. Overall, Credit Clear has a GF Score™ of 35/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Clear's Cash Conversion Cycle compare to IBM and ACN?
Credit Clear's Cash Conversion Cycle of 48.77 can be compared against companies in the Software industry. The industry median Cash Conversion Cycle is 32.23. Credit Clear's value of 48.77 is 51.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Conversion Cycle for a Software company?
The median Cash Conversion Cycle among Software companies is 32.23, based on 2,804 companies in the industry. Companies in the top quartile (top 25%) have a Cash Conversion Cycle significantly above this median, while those in the bottom quartile fall well below. However, Cash Conversion Cycle should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Clear's current Cash Conversion Cycle of 48.77 is 51.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Conversion Cycle mean?
A high Cash Conversion Cycle can signal that a stock is expensive relative to its fundamentals. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on Credit Clear and its competitors. For the Software industry, the median Cash Conversion Cycle is 32.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Clear's current Cash Conversion Cycle is 48.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Clear stock overvalued right now?
Based on GuruFocus' analysis, Credit Clear (ASX:CCR) is currently considered Significantly Undervalued. The stock's GF Value™ is A$0.35, compared to a current price of A$0.15 — trading 57.1% below its estimated fair value. The current Cash Conversion Cycle is 48.77 and 51.3% above the Software industry median of 32.23. Credit Clear's overall GF Score™ is 35/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Conversion Cycle calculated?
Cash Conversion Cycle is calculated from a company's financial statements. For Credit Clear (ASX:CCR), the current Cash Conversion Cycle is 48.77 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Credit Clear (ASX:CCR) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Clear stock appears to be undervalued.
The current stock price of A$0.15 is trading 57.1% below its estimated GF Value™ of A$0.35.
GuruFocus considers Credit Clear to be Significantly Undervalued.
Key valuation signals for ASX:CCR:
Cash Conversion Cycle: 48.77
GF Value™: A$0.35 vs. price of A$0.15 (57.1% below fair value)
Industry Position: 51.3% above the Software median
No single metric tells the full story. See the ASX:CCR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Clear Ltd is engaged in the business of providing financial services. Its provision of debt resolution services and the ongoing technology development and implementation of the Company's digital engagement platform. The Group also provides commercial legal expertise as part of its full end-to-end collections management service. Its segments include Collections and Legal Services. The company generates maximum revenue from the Collections segment. Geographically, it derives a majority of its revenue from Australia.
35GF Score
Get the complete analysis for ASX:CCR
Cash Conversion Cycle is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:CCR has been successfully added to your 
