Credit ClearASX:CCR -25.00%35 Quick Ratio is 2.73 as of Dec. 2025, which is 41% above its 10-year median of 1.93. GuruFocus rates ASX:CCR with a GF Score™ of 35/100 and a GF Value™ of A$0.35 (Significantly Undervalued). Among 2,864 Software companies, Credit Clear ranks better than 71.23% on this metric.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. It is calculated as a company's Total Current Assets excludes Total Inventories divides by its Total Current Liabilities. Credit Clear's quick ratio for the quarter that ended in Dec. 2025 was 2.73.
Credit Clear has a quick ratio of 2.73. It generally indicates good short-term financial strength.
The historical rank and industry rank for Credit Clear's Quick Ratio or its related term are showing as below:
ASX:CCR'
s Quick Ratio Range Over the Past 10 Years
Min: 1.16 Med: 1.93 Max: 5.74
Current: 2.73
During the past 6 years, Credit Clear's highest Quick Ratio was 5.74. The lowest was 1.16. And the median was 1.93.
ASX:CCR's Quick Ratio is ranked better than 71.23% of 2864
companies
in the Software industry
Industry Median: 1.7
vs ASX:CCR: 2.73
Credit Clear (ASX:CCR) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Credit Clear Quick Ratio Related Terms
Credit Clear Quick Ratio Historical Data
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The historical data trend for Credit Clear's Quick Ratio 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 Quick Ratio, along with its competitors' market caps and Quick Ratio 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 Quick Ratio vs Software Industry
For the Software industry and Technology sector, Credit Clear's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Credit Clear's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Credit Clear's Quick 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 Quick Ratio of 2.73 as of Dec. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Credit Clear and its competitors. This is 41% above median its historical median of 1.93. Over the past decade, Credit Clear's Quick Ratio has ranged from 1.16 to 5.74. According to the industry distribution chart, Credit Clear ranks #824 out of 2864 companies in the Software industry, placing it in the top 28.8%.
Is Credit Clear's Quick Ratio too high?
Credit Clear's current Quick Ratio of 2.73 is 41% above median its 10-year median of 1.93. Over the past 10 years, this metric has ranged from a low of 1.16 to a high of 5.74. The Software industry median Quick Ratio is 1.70. Credit Clear's value of 2.73 is 60.6% above this industry median. Based on the distribution chart, Credit Clear ranks #824 out of 2864 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 Quick Ratio compare to IBM and ACN?
According to the Software industry distribution chart, Credit Clear ranks #824 out of 2864 companies for Quick Ratio. This puts Credit Clear in the upper half of its industry. The industry median Quick Ratio is 1.70. Credit Clear's value of 2.73 is 60.6% above this benchmark. Historically, Credit Clear's own Quick Ratio has ranged from 1.16 to 5.74 over the past decade. While the company's 10-year median is 1.93 vs. the industry median of 1.70, 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 Quick Ratio for a Software company?
The median Quick Ratio among Software companies is 1.70, based on 2,864 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Clear's current Quick Ratio of 2.73 is 60.6% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Credit Clear and its competitors. For the Software industry, the median Quick Ratio is 1.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Clear's current Quick Ratio is 2.73, which is 41% above median its own 10-year median of 1.93. 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 Quick Ratio is 2.73, which is 41% above median its 10-year median of 1.93 and 60.6% above the Software industry median of 1.70. Credit Clear's overall GF Score™ is 35/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Credit Clear (ASX:CCR), the current Quick Ratio is 2.73 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:
Quick Ratio: 2.73 (41% above median its 10-year median of 1.93)
GF Value™: A$0.35 vs. price of A$0.15 (57.1% below fair value)
Industry Position: 60.6% above the Software median (#824 of 2864)
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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