Credit Clear (ASX:CCR) Interest Coverage: 0 (At Loss) (As of Dec. 2025)


ASX:CCR Credit Clear Ltd ASX:CCR
37 GF Score
Price A$0.15
GF Value A$0.35
Valuation Significantly Undervalued
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What is Credit Clear Interest Coverage?

Credit Clear ASX:CCR -25.00% 37 Interest Coverage is 0 (At Loss) as of Dec. 2025. GuruFocus rates ASX:CCR with a GF Score™ of 37/100 and a GF Value™ of A$0.35 (Significantly Undervalued). Among 1,705 Software companies, Credit Clear ranks worse than 58650.97% on this metric.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income by its Interest Expense. Credit Clear's Operating Income for the six months ended in Dec. 2025 was A$-1.00 Mil. Credit Clear's Interest Expense for the six months ended in Dec. 2025 was A$-0.18 Mil. did not have earnings to cover the interest expense. The higher the ratio, the stronger the company's financial strength is.

The historical rank and industry rank for Credit Clear's Interest Coverage or its related term are showing as below:


ASX:CCR's Interest Coverage is not ranked *
in the Software industry.
Industry Median: 24.67
* Ranked among companies with meaningful Interest Coverage only.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.


Credit Clear  (ASX:CCR) Interest Coverage Explanation

Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.

Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .


Credit Clear Interest Coverage Related Terms


Credit Clear Interest Coverage Historical Data

* Premium members only.

The historical data trend for Credit Clear's Interest Coverage 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.

Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

Credit Clear Interest Coverage Chart

Credit Clear Annual Data
Trend Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Interest Coverage
Get a 7-Day Free Trial 0.00 0.00 0.00 0.00 0.00

Credit Clear Semi-Annual Data
Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Interest Coverage Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

ASX:CCR vs IBM, ACN, FISV: Interest Coverage Comparison

For the Information Technology Services subindustry, Credit Clear's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Software Industry

For the Software industry and Technology sector, Credit Clear's Interest Coverage distribution charts can be found below:

* The bar in red indicates where Credit Clear's Interest Coverage falls into.


ASX:CCR
37GF Score
Credit Clear Ltd ASX:CCR
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
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Credit Clear Interest Coverage Calculation

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

If Interest Expense is negative and Operating Income is positive, then

Interest Coverage=-1* Operating Income /Interest Expense

Else if Interest Expense is negative and Operating Income is negative, then

The company did not have earnings to cover the interest expense.

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

The company had no debt (1).


Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Credit Clear's Interest Coverage for the fiscal year that ended in Jun. 2025 is calculated as

Here, for the fiscal year that ended in Jun. 2025, Credit Clear's Interest Expense was A$-0.04 Mil. Its Operating Income was A$-2.16 Mil. And its Long-Term Debt & Capital Lease Obligation was A$2.72 Mil.

Credit Clear did not have earnings to cover the interest expense.

Credit Clear's Interest Coverage for the quarter that ended in Dec. 2025 is calculated as

Here, for the six months ended in Dec. 2025, Credit Clear's Interest Expense was A$-0.18 Mil. Its Operating Income was A$-1.00 Mil. And its Long-Term Debt & Capital Lease Obligation was A$2.43 Mil.

Credit Clear did not have earnings to cover the interest expense.

* 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.

The higher the ratio, the stronger the company's Financial Strength is.

Frequently Asked Questions Learn more about Interest Coverage →
What does a Interest Coverage of 0 (At Loss) mean?
Credit Clear (ASX:CCR) has a Interest Coverage of 0 (At Loss) as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Credit Clear and its competitors. According to the industry distribution chart, Credit Clear ranks #999999 out of 1705 companies in the Software industry.
Is Credit Clear's Interest Coverage too high?
Credit Clear's current Interest Coverage is 0 (At Loss). Based on the distribution chart, Credit Clear ranks #999999 out of 1705 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Credit Clear has a GF Score™ of 37/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Clear's Interest Coverage compare to IBM and ACN?
According to the Software industry distribution chart, Credit Clear ranks #999999 out of 1705 companies for Interest Coverage. This places Credit Clear in the lower half of its industry. The industry median Interest Coverage is 24.67. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Software company?
The median Interest Coverage among Software companies is 24.67, based on 1,705 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Credit Clear and its competitors. For the Software industry, the median Interest Coverage is 24.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Clear's current Interest Coverage is 0 (At Loss). 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$0.15 — trading 57.1% below its estimated fair value. The current Interest Coverage is 0 (At Loss). Credit Clear's overall GF Score™ is 37/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Credit Clear (ASX:CCR), the current Interest Coverage is 0 (At Loss) 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$0.15 is trading 57.1% below its estimated GF Value™ of A$0.35. GuruFocus considers Credit Clear to be Significantly Undervalued.

Key valuation signals for ASX:CCR:

  • Interest Coverage: 0 (At Loss)
  • GF Value™: A$0.35 vs. price of A$0.15 (57.1% below fair value)
  • GF Score™: 37/100

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 Business Description

Address Building 11, 41-43 Bourke Road, Alexandria, NSW, AUS, 2015
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.
37GF Score

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Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$0.15
Price
A$0.35
GF Value