Credit Clear (ASX:CCR) Retained Earnings: A$-44.46 Mil (As of Dec. 2025)


ASX:CCR Credit Clear Ltd ASX:CCR
35 GF Score
Price A$0.14
GF Value A$0.35
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Credit Clear Retained Earnings?

Credit Clear ASX:CCR 35 Retained Earnings is A$-44.46 Mil as of Dec. 2025. 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.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Credit Clear's retained earnings for the quarter that ended in Dec. 2025 was A$-44.46 Mil.

Credit Clear's quarterly retained earnings increased from Dec. 2024 (A$-49.38 Mil) to Jun. 2025 (A$-43.66 Mil) but then declined from Jun. 2025 (A$-43.66 Mil) to Dec. 2025 (A$-44.46 Mil).

Credit Clear's annual retained earnings declined from Jun. 2023 (A$-42.71 Mil) to Jun. 2024 (A$-47.21 Mil) but then increased from Jun. 2024 (A$-47.21 Mil) to Jun. 2025 (A$-43.66 Mil).

Credit Clear  (ASX:CCR) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.

Credit Clear Retained Earnings Historical Data

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The historical data trend for Credit Clear's Retained Earnings 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 Retained Earnings Chart

Credit Clear Annual Data
Trend Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Retained Earnings
Get a 7-Day Free Trial -20.33 -33.10 -42.71 -47.21 -43.66

Credit Clear Semi-Annual Data
Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only -44.81 -47.21 -49.38 -43.66 -44.46
ASX:CCR
35GF Score
Credit Clear Ltd ASX:CCR
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Credit Clear Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of A$-44.46 Mil mean?
Credit Clear (ASX:CCR) has a Retained Earnings of A$-44.46 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Credit Clear and its competitors.
Is Credit Clear's Retained Earnings too high?
Credit Clear's current Retained Earnings is A$-44.46 Mil. Overall, Credit Clear has a GF Score™ of 35/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Clear's Retained Earnings compare to IBM and ACN?
Credit Clear's Retained Earnings of A$-44.46 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Software company?
A good Retained Earnings depends on the Software industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Credit Clear and its competitors. Credit Clear's current Retained Earnings is A$-44.46 Mil. 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$0.14 — trading 61.4% below its estimated fair value. The current Retained Earnings is A$-44.46 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Credit Clear (ASX:CCR), the current Retained Earnings is A$-44.46 Mil 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$0.14 is trading 61.4% below its estimated GF Value™ of A$0.35. GuruFocus considers Credit Clear to be Significantly Undervalued.

Key valuation signals for ASX:CCR:

  • Retained Earnings: A$-44.46 Mil
  • GF Value™: A$0.35 vs. price of A$0.14 (61.4% below fair value)
  • GF Score™: 35/100 with 1 warning sign

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.
35GF Score

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

A$0.14
Price
A$0.35
GF Value