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Credit ClearASX:CCR 27 EV-to-OCF is 7.76 as of Jul. 31, 2026. GuruFocus rates ASX:CCR with a GF Score™ of 27/100 and a GF Value™ of A$0.36 (Possible Value Trap). The stock has 1 warning sign investors should review. Among 2,878 Software companies, Credit Clear ranks worse than 53.47% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Credit Clear's Enterprise Value is A$33.23 Mil.
Credit Clear's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was A$4.28 Mil. Therefore, Credit Clear's EV-to-OCF for today is 7.76.
The historical rank and industry rank for Credit Clear's EV-to-OCF or its related term are showing as below:
ASX:CCR'
s EV-to-OCF Range Over the Past 10 Years
Min: -32.97 Med: -15.98 Max: 37.1
Current: 7.76
During the past 6 years, the highest EV-to-OCF of Credit Clear was 37.10. The lowest was -32.97. And the median was -15.98.
ASX:CCR's EV-to-OCF is ranked worse than 53.47% of 2878
companies
in the Software industry
Industry Median: 6.66
vs ASX:CCR: 7.76
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Credit Clear's PE Ratio (TTM) for today is calculated as:
Credit Clear's share price for today is A$0.115.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Credit Clear's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.011.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Credit Clear EV-to-OCF Related Terms
Credit Clear EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Credit Clear's EV-to-OCF 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.
For the Information Technology Services subindustry, Credit Clear's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Software Industry
For the Software industry and Technology sector, Credit Clear's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Credit Clear's EV-to-OCF falls into.
Credit Clear's current Enterprise Value is A$33.23 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Credit Clear's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was A$4.28 Mil.
* 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 EV-to-OCF of 7.76 as of Jul. 31, 2026. According to the industry distribution chart, Credit Clear ranks #1539 out of 2878 companies in the Software industry, placing it in the top 53.5%.
Is Credit Clear's EV-to-OCF too high?
Credit Clear's current EV-to-OCF is 7.76. The Software industry median EV-to-OCF is 6.66. Credit Clear's value of 7.76 is 16.5% above this industry median. Based on the distribution chart, Credit Clear ranks #1539 out of 2878 companies in the Software industry, which is below the industry midpoint. Overall, Credit Clear has a GF Score™ of 27/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Credit Clear's EV-to-OCF compare to IBM and ACN?
According to the Software industry distribution chart, Credit Clear ranks #1539 out of 2878 companies for EV-to-OCF. This places Credit Clear in the lower half of its industry. The industry median EV-to-OCF is 6.66. Credit Clear's value of 7.76 is 16.5% 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 EV-to-OCF for a Software company?
The median EV-to-OCF among Software companies is 6.66, based on 2,878 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Clear's current EV-to-OCF of 7.76 is 16.5% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median EV-to-OCF is 6.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Clear's current EV-to-OCF is 7.76. 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$0.36, compared to a current price of A$0.12 — trading 68.1% below its estimated fair value. The current EV-to-OCF is 7.76 and 16.5% above the Software industry median of 6.66. Credit Clear's overall GF Score™ is 27/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Credit Clear (ASX:CCR), the current EV-to-OCF is 7.76 as of Jul. 31, 2026. 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 68.1% below its estimated GF Value™ of A$0.36.
GuruFocus considers Credit Clear to be Possible Value Trap.
Key valuation signals for ASX:CCR:
EV-to-OCF: 7.76
GF Value™: A$0.36 vs. price of A$0.12 (68.1% below fair value)
Industry Position: 16.5% above the Software median (#1539 of 2878)
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.
27GF Score
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