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Credit ClearASX:CCR -4.17%29 Debt-to-Equity is 0.05 as of Dec. 2025, which is 17% below its 10-year median of 0.06. GuruFocus rates ASX:CCR with a GF Score™ of 29/100 and a GF Value™ of A$0.35 (Possible Value Trap). The stock has 1 warning sign investors should review. Among 2,244 Software companies, Credit Clear ranks better than 77.54% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Credit Clear's Debt-to-Equity or its related term are showing as below:
ASX:CCR'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.03 Med: 0.06 Max: 0.11
Current: 0.05
During the past 6 years, the highest Debt-to-Equity Ratio of Credit Clear was 0.11. The lowest was 0.03. And the median was 0.06.
ASX:CCR's Debt-to-Equity is ranked better than 77.54% of 2244
companies
in the Software industry
Industry Median: 0.19
vs ASX:CCR: 0.05
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Credit Clear Debt-to-Equity Related Terms
Credit Clear Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Credit Clear's Debt-to-Equity 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-Equity Comparison
For the Information Technology Services subindustry, Credit Clear's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Software Industry
For the Software industry and Technology sector, Credit Clear's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Credit Clear's Debt-to-Equity 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.
Credit Clear (ASX:CCR) has a Debt-to-Equity of 0.05 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Credit Clear and its competitors. This is 17% below median its historical median of 0.06. Over the past decade, Credit Clear's Debt-to-Equity has ranged from 0.03 to 0.11. According to the industry distribution chart, Credit Clear ranks #504 out of 2244 companies in the Software industry, placing it in the top 22.5%.
Is Credit Clear's Debt-to-Equity too high?
Credit Clear's current Debt-to-Equity of 0.05 is 17% below median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.11. The Software industry median Debt-to-Equity is 0.19. Credit Clear's value of 0.05 is 73.7% below this industry median. Based on the distribution chart, Credit Clear ranks #504 out of 2244 companies in the Software industry, which is in the top quartile — a strong position relative to peers. 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-Equity compare to IBM and ACN?
According to the Software industry distribution chart, Credit Clear ranks #504 out of 2244 companies for Debt-to-Equity. This places Credit Clear in the top 23% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.19. Credit Clear's value of 0.05 is 73.7% below this benchmark. Historically, Credit Clear's own Debt-to-Equity has ranged from 0.03 to 0.11 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.19, Credit Clear has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Software company?
The median Debt-to-Equity among Software companies is 0.19, based on 2,244 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Clear's current Debt-to-Equity of 0.05 is 73.7% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Credit Clear and its competitors. For the Software industry, the median Debt-to-Equity is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Clear's current Debt-to-Equity is 0.05, which is 17% below median its own 10-year median of 0.06. 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$0.12 — trading 67.1% below its estimated fair value. The current Debt-to-Equity is 0.05, which is 17% below median its 10-year median of 0.06 and 73.7% below the Software industry median of 0.19. 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Credit Clear (ASX:CCR), the current Debt-to-Equity is 0.05 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$0.12 is trading 67.1% 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-Equity: 0.05 (17% below median its 10-year median of 0.06)
GF Value™: A$0.35 vs. price of A$0.12 (67.1% below fair value)
Industry Position: 73.7% below the Software median (#504 of 2244)
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
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