Credit Clear (ASX:CCR) Operating Margin %: -4.01% (As of Dec. 2025)


ASX:CCR Credit Clear Ltd ASX:CCR
37 GF Score
Price A$0.20
GF Value A$0.35
Valuation Significantly Undervalued
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What is Credit Clear Operating Margin %?

Credit Clear ASX:CCR -9.09% 37 Operating Margin % is -4.01% 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 2,818 Software companies, Credit Clear ranks worse than 63.73% on this metric.

Operating Margin % is calculated as Operating Income divided by its Revenue. Credit Clear's Operating Income for the six months ended in Dec. 2025 was A$-1.00 Mil. Credit Clear's Revenue for the six months ended in Dec. 2025 was A$25.02 Mil. Therefore, Credit Clear's Operating Margin % for the quarter that ended in Dec. 2025 was -4.01%.

The historical rank and industry rank for Credit Clear's Operating Margin % or its related term are showing as below:

ASX:CCR' s Operating Margin % Range Over the Past 10 Years
Min: -82.5   Med: -26.17   Max: -1.87
Current: -1.87


ASX:CCR's Operating Margin % is ranked worse than
63.73% of 2818 companies
in the Software industry
Industry Median: 3.875 vs ASX:CCR: -1.87

Credit Clear's 5-Year Average Operating Margin % Growth Rate was 0.00% per year.

Credit Clear's Operating Income for the six months ended in Dec. 2025 was A$-1.00 Mil. Its Operating Income for the trailing twelve months (TTM) ended in Dec. 2025 was A$-0.91 Mil.


Credit Clear  (ASX:CCR) Operating Margin % Explanation

Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.


Be Aware

Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).

If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.

For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokia’s Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).

Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.


Credit Clear Operating Margin % Related Terms


Credit Clear Operating Margin % Historical Data

* Premium members only.

The historical data trend for Credit Clear's Operating 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.

Credit Clear Operating Margin % Chart

Credit Clear Annual Data
Trend Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Operating Margin %
Get a 7-Day Free Trial -82.50 -41.12 -26.17 -11.77 -4.61

Credit Clear Semi-Annual Data
Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Operating Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only -12.14 -11.44 -9.71 0.41 -4.01

ASX:CCR vs IBM, ACN, FISV: Operating Margin % Comparison

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

For the Software industry and Technology sector, Credit Clear's Operating Margin % distribution charts can be found below:

* The bar in red indicates where Credit Clear's Operating Margin % falls into.


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

Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.

Credit Clear's Operating Margin % for the fiscal year that ended in Jun. 2025 is calculated as

Operating Margin %=Operating Income (A: Jun. 2025 ) / Revenue (A: Jun. 2025 )
=-2.161 / 46.922
=-4.61 %

Credit Clear's Operating Margin % for the quarter that ended in Dec. 2025 is calculated as

Operating Margin %=Operating Income (Q: Dec. 2025 ) / Revenue (Q: Dec. 2025 )
=-1.004 / 25.02
=-4.01 %

* 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.

Frequently Asked Questions Learn more about Operating Margin % →
What does a Operating Margin % of -4.01% mean?
Credit Clear (ASX:CCR) has a Operating Margin % of -4.01% as of Dec. 2025. Operating margin is the ratio of total operating income to net sales. View historical data on Credit Clear and its competitors. According to the industry distribution chart, Credit Clear ranks #1796 out of 2818 companies in the Software industry, placing it in the top 63.7%.
Is Credit Clear's Operating Margin % too high?
Credit Clear's current Operating Margin % is -4.01%. Based on the distribution chart, Credit Clear ranks #1796 out of 2818 companies in the Software industry, which is below the industry midpoint. 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 Operating Margin % compare to IBM and ACN?
According to the Software industry distribution chart, Credit Clear ranks #1796 out of 2818 companies for Operating Margin %. This places Credit Clear in the lower half of its industry. The industry median Operating Margin % is 3.88. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Operating Margin % for a Software company?
The median Operating Margin % among Software companies is 3.88, based on 2,818 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on Credit Clear and its competitors. For the Software industry, the median Operating Margin % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Clear's current Operating Margin % is -4.01%. 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 Operating Margin % is -4.01%. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For Credit Clear (ASX:CCR), the current Operating Margin % is -4.01% 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:

  • Operating Margin %: -4.01%
  • GF Value™: A$0.35 vs. price of A$0.20 (42.9% 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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Operating Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$0.20
Price
A$0.35
GF Value