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Credit ClearASX:CCR -4.17%19 Equity-to-Asset is 0.81 as of Dec. 2025, which is 4% above its 10-year median of 0.78. GuruFocus rates ASX:CCR with a GF Score™ of 19/100 and a GF Value™ of A$0.36 (Possible Value Trap). The stock has 1 warning sign investors should review. Among 2,894 Software companies, Credit Clear ranks better than 84.97% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Credit Clear's Total Stockholders Equity for the quarter that ended in Dec. 2025 was A$76.38 Mil. Credit Clear's Total Assets for the quarter that ended in Dec. 2025 was A$94.60 Mil.
Therefore, Credit Clear's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.81.
The historical rank and industry rank for Credit Clear's Equity-to-Asset or its related term are showing as below:
ASX:CCR'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.72 Med: 0.78 Max: 0.85
Current: 0.81
During the past 6 years, the highest Equity to Asset Ratio of Credit Clear was 0.85. The lowest was 0.72. And the median was 0.78.
ASX:CCR's Equity-to-Asset is ranked better than 84.97% of 2894
companies
in the Software industry
Industry Median: 0.56
vs ASX:CCR: 0.81
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Credit Clear Equity-to-Asset Related Terms
Credit Clear Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Credit Clear's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Information Technology Services subindustry, Credit Clear's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Software Industry
For the Software industry and Technology sector, Credit Clear's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Credit Clear's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Credit Clear's Equity to Asset Ratio 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 Equity-to-Asset of 0.81 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Credit Clear and its competitors. This is near median its historical median of 0.78. Over the past decade, Credit Clear's Equity-to-Asset has ranged from 0.72 to 0.85. According to the industry distribution chart, Credit Clear ranks #435 out of 2894 companies in the Software industry, placing it in the top 15%.
Is Credit Clear's Equity-to-Asset too high?
Credit Clear's current Equity-to-Asset of 0.81 is near median its 10-year median of 0.78. Over the past 10 years, this metric has ranged from a low of 0.72 to a high of 0.85. The Software industry median Equity-to-Asset is 0.56. Credit Clear's value of 0.81 is 44.6% above this industry median. Based on the distribution chart, Credit Clear ranks #435 out of 2894 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 19/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Credit Clear's Equity-to-Asset compare to IBM and ACN?
According to the Software industry distribution chart, Credit Clear ranks #435 out of 2894 companies for Equity-to-Asset. This places Credit Clear in the top 15% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.56. Credit Clear's value of 0.81 is 44.6% above this benchmark. Historically, Credit Clear's own Equity-to-Asset has ranged from 0.72 to 0.85 over the past decade. While the company's 10-year median is 0.78 vs. the industry median of 0.56, Credit Clear has consistently been above 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 Equity-to-Asset for a Software company?
The median Equity-to-Asset among Software companies is 0.56, based on 2,894 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Clear's current Equity-to-Asset of 0.81 is 44.6% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Credit Clear and its competitors. For the Software industry, the median Equity-to-Asset is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Clear's current Equity-to-Asset is 0.81, which is near median its own 10-year median of 0.78. 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 Equity-to-Asset is 0.81, which is near median its 10-year median of 0.78 and 44.6% above the Software industry median of 0.56. Credit Clear's overall GF Score™ is 19/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Credit Clear (ASX:CCR), the current Equity-to-Asset is 0.81 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 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:
Equity-to-Asset: 0.81 (near median its 10-year median of 0.78)
GF Value™: A$0.36 vs. price of A$0.12 (68.1% below fair value)
Industry Position: 44.6% above the Software median (#435 of 2894)
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.
19GF Score
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