Credit ClearASX:CCR 35 EV-to-FCF is 15.10 as of Jun. 30, 2026. GuruFocus rates ASX:CCR with a GF Score™ of 35/100 and a GF Value™ of A$0.35 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,587 Software companies, Credit Clear ranks better than 50.91% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Credit Clear's Enterprise Value is A$58.77 Mil.
Credit Clear's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was A$3.89 Mil. Therefore, Credit Clear's EV-to-FCF for today is 15.10.
The historical rank and industry rank for Credit Clear's EV-to-FCF or its related term are showing as below:
ASX:CCR'
s EV-to-FCF Range Over the Past 10 Years
Min: -26.03 Med: -12.4 Max: 63.54
Current: 13.77
During the past 6 years, the highest EV-to-FCF of Credit Clear was 63.54. The lowest was -26.03. And the median was -12.40.
ASX:CCR's EV-to-FCF is ranked better than 50.91% of 1587
companies
in the Software industry
Industry Median: 14.04
vs ASX:CCR: 13.77
EV-to-FCF 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-FCF 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$0.16.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Credit Clear EV-to-FCF Related Terms
Credit Clear EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Credit Clear's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Software Industry
For the Software industry and Technology sector, Credit Clear's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Credit Clear's EV-to-FCF falls into.
Credit Clear's current Enterprise Value is A$58.77 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Credit Clear's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was A$3.89 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-FCF of 15.10 as of Jun. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Credit Clear and its competitors. According to the industry distribution chart, Credit Clear ranks #779 out of 1587 companies in the Software industry, placing it in the top 49.1%.
Is Credit Clear's EV-to-FCF too high?
Credit Clear's current EV-to-FCF is 15.10. The Software industry median EV-to-FCF is 14.04. Credit Clear's value of 15.10 is 7.5% above this industry median. Based on the distribution chart, Credit Clear ranks #779 out of 1587 companies in the Software industry, which is above the industry midpoint. 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 EV-to-FCF compare to IBM and ACN?
According to the Software industry distribution chart, Credit Clear ranks #779 out of 1587 companies for EV-to-FCF. This puts Credit Clear in the upper half of its industry. The industry median EV-to-FCF is 14.04. Credit Clear's value of 15.10 is 7.5% 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-FCF for a Software company?
The median EV-to-FCF among Software companies is 14.04, based on 1,587 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Clear's current EV-to-FCF of 15.10 is 7.5% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Credit Clear and its competitors. For the Software industry, the median EV-to-FCF is 14.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Clear's current EV-to-FCF is 15.10. 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$0.16 — trading 54.3% below its estimated fair value. The current EV-to-FCF is 15.10 and 7.5% above the Software industry median of 14.04. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Credit Clear (ASX:CCR), the current EV-to-FCF is 15.10 as of Jun. 30, 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$0.16 is trading 54.3% below its estimated GF Value™ of A$0.35.
GuruFocus considers Credit Clear to be Significantly Undervalued.
Key valuation signals for ASX:CCR:
EV-to-FCF: 15.10
GF Value™: A$0.35 vs. price of A$0.16 (54.3% below fair value)
Industry Position: 7.5% above the Software median (#779 of 1587)
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
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