Net margin is calculated as Net Income divided by its Revenue. Credit Clear's Net Income for the
six
months ended in Dec. 2025 was A$-0.80 Mil. Credit Clear's Revenue for the
six
months ended in Dec. 2025 was A$25.02 Mil. Therefore, Credit Clear's net margin for the quarter that ended in Dec. 2025 was -3.18%.
The historical rank and industry rank for Credit Clear's Net Margin % or its related term are showing as below:
ASX:CCR'
s Net Margin % Range Over the Past 10 Years
Min: -71.34 Med: -31.64 Max: 10.11
Current: 10.11
ASX:CCR's Net Margin % is ranked better than 75.79% of 2825
companies
in the Software industry
Industry Median: 2.54
vs ASX:CCR: 10.11
Credit Clear (ASX:CCR) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Credit Clear Net Margin % Related Terms
Credit Clear Net Margin % Historical Data
* Premium members only.
The historical data trend for Credit Clear's Net Margin % 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: Net Margin % Comparison
For the Information Technology Services subindustry, Credit Clear's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Software Industry
For the Software industry and Technology sector, Credit Clear's Net Margin % distribution charts can be found below:
* The bar in red indicates where Credit Clear's Net Margin % 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 Net Margin % of -3.18% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Credit Clear and its competitors. According to the industry distribution chart, Credit Clear ranks #684 out of 2825 companies in the Software industry, placing it in the top 24.2%.
Is Credit Clear's Net Margin % too high?
Credit Clear's current Net Margin % is -3.18%. Based on the distribution chart, Credit Clear ranks #684 out of 2825 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 37/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Clear's Net Margin % compare to IBM and ACN?
According to the Software industry distribution chart, Credit Clear ranks #684 out of 2825 companies for Net Margin %. This places Credit Clear in the top 24% of its industry — outperforming the majority of peers. The industry median Net Margin % is 2.54. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Software company?
The median Net Margin % among Software companies is 2.54, based on 2,825 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Credit Clear and its competitors. For the Software industry, the median Net Margin % is 2.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Clear's current Net Margin % is -3.18%. 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$0.20 — trading 42.9% below its estimated fair value. The current Net Margin % is -3.18%. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Credit Clear (ASX:CCR), the current Net Margin % is -3.18% 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$0.20 is trading 42.9% below its estimated GF Value™ of A$0.35.
GuruFocus considers Credit Clear to be Significantly Undervalued.
Key valuation signals for ASX:CCR:
Net Margin %: -3.18%
GF Value™: A$0.35 vs. price of A$0.20 (42.9% below fair value)
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.
37GF Score
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