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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Credit Clear's Debt-to-EBITDA or its related term are showing as below:
ASX:CCR'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.03 Med: -0.2 Max: 2.05
Current: 0.75
During the past 6 years, the highest Debt-to-EBITDA Ratio of Credit Clear was 2.05. The lowest was -1.03. And the median was -0.20.
ASX:CCR's Debt-to-EBITDA is ranked better than 58.39% of 1716
companies
in the Software industry
Industry Median: 1.08
vs ASX:CCR: 0.75
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Credit Clear Debt-to-EBITDA Related Terms
Credit Clear Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Credit Clear's Debt-to-EBITDA 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: Debt-to-EBITDA Comparison
For the Information Technology Services subindustry, Credit Clear's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Credit Clear's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Credit Clear's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Dec. 2025) EBITDA data.
Credit Clear (ASX:CCR) has a Debt-to-EBITDA of 0.86 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Credit Clear. According to the industry distribution chart, Credit Clear ranks #714 out of 1716 companies in the Software industry, placing it in the top 41.6%.
Is Credit Clear's Debt-to-EBITDA too high?
Credit Clear's current Debt-to-EBITDA is 0.86. The Software industry median Debt-to-EBITDA is 1.08. Credit Clear's value of 0.86 is 20.4% below this industry median. Based on the distribution chart, Credit Clear ranks #714 out of 1716 companies in the Software industry, which is above the industry midpoint. Overall, Credit Clear has a GF Score™ of 29/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Credit Clear's Debt-to-EBITDA compare to IBM and ACN?
According to the Software industry distribution chart, Credit Clear ranks #714 out of 1716 companies for Debt-to-EBITDA. This puts Credit Clear in the upper half of its industry. The industry median Debt-to-EBITDA is 1.08. Credit Clear's value of 0.86 is 20.4% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 1.08, based on 1,716 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Clear's current Debt-to-EBITDA of 0.86 is 20.4% below 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Credit Clear. For the Software industry, the median Debt-to-EBITDA is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Clear's current Debt-to-EBITDA is 0.86. 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 Possible Value Trap. The stock's GF Value™ is A$0.35, compared to a current price of A$0.13 — trading 64.3% below its estimated fair value. The current Debt-to-EBITDA is 0.86 and 20.4% below the Software industry median of 1.08. Credit Clear's overall GF Score™ is 29/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Credit Clear (ASX:CCR), the current Debt-to-EBITDA is 0.86 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$0.13 is trading 64.3% below its estimated GF Value™ of A$0.35.
GuruFocus considers Credit Clear to be Possible Value Trap.
Key valuation signals for ASX:CCR:
Debt-to-EBITDA: 0.86
GF Value™: A$0.35 vs. price of A$0.13 (64.3% below fair value)
Industry Position: 20.4% below the Software median (#714 of 1716)
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.
29GF Score
Get the complete analysis for ASX:CCR
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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