Credit ClearASX:CCR 35 Return-on-Tangible-Asset is -3.38% as of Dec. 2025. GuruFocus rates ASX:CCR with a GF Score™ of 35/100 and a GF Value™ of A$0.35 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 2,877 Software companies, Credit Clear ranks better than 80.85% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Credit Clear's annualizedNet Income for the quarter that ended in Dec. 2025 was A$-1.59 Mil. Credit Clear's average total tangible assets for the quarter that ended in Dec. 2025 was A$47.01 Mil. Therefore, Credit Clear's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was -3.38%.
The historical rank and industry rank for Credit Clear's Return-on-Tangible-Asset or its related term are showing as below:
ASX:CCR'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -63.49 Med: -42.36 Max: 11.61
Current: 11.61
During the past 6 years, Credit Clear's highest Return-on-Tangible-Asset was 11.61%. The lowest was -63.49%. And the median was -42.36%.
ASX:CCR's Return-on-Tangible-Asset is ranked better than 80.85% of 2877
companies
in the Software industry
Industry Median: 2.07
vs ASX:CCR: 11.61
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Credit Clear Return-on-Tangible-Asset Related Terms
Credit Clear Return-on-Tangible-Asset Historical Data
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The historical data trend for Credit Clear's Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Information Technology Services subindustry, Credit Clear's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Software Industry
For the Software industry and Technology sector, Credit Clear's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Credit Clear's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of -3.38% mean?
Credit Clear (ASX:CCR) has a Return-on-Tangible-Asset of -3.38% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Credit Clear and its competitors. According to the industry distribution chart, Credit Clear ranks #551 out of 2877 companies in the Software industry, placing it in the top 19.2%.
Is Credit Clear's Return-on-Tangible-Asset too high?
Credit Clear's current Return-on-Tangible-Asset is -3.38%. Based on the distribution chart, Credit Clear ranks #551 out of 2877 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 35/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Clear's Return-on-Tangible-Asset compare to IBM and ACN?
According to the Software industry distribution chart, Credit Clear ranks #551 out of 2877 companies for Return-on-Tangible-Asset. This places Credit Clear in the top 19% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 2.07. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Software company?
The median Return-on-Tangible-Asset among Software companies is 2.07, based on 2,877 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Credit Clear and its competitors. For the Software industry, the median Return-on-Tangible-Asset is 2.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Clear's current Return-on-Tangible-Asset is -3.38%. 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 Return-on-Tangible-Asset is -3.38%. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Credit Clear (ASX:CCR), the current Return-on-Tangible-Asset is -3.38% 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:
Return-on-Tangible-Asset: -3.38%
GF Value™: A$0.35 vs. price of A$0.14 (61.4% 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.
35GF Score
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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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