Credit Clear (ASX:CCR) ROC (Joel Greenblatt) %: -34.63% (As of Dec. 2025)


ASX:CCR Credit Clear Ltd ASX:CCR
35 GF Score
Price A$0.16
GF Value A$0.35
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Credit Clear ROC (Joel Greenblatt) %?

Credit Clear ASX:CCR -3.13% 35 ROC (Joel Greenblatt) % is -34.63% 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 2,801 Software companies, Credit Clear ranks worse than 68.05% on this metric.

Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. Credit Clear's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was -34.63%.

The historical rank and industry rank for Credit Clear's ROC (Joel Greenblatt) % or its related term are showing as below:

ASX:CCR' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -751.59   Med: -296.59   Max: -16.55
Current: -16.55

During the past 6 years, Credit Clear's highest ROC (Joel Greenblatt) % was -16.55%. The lowest was -751.59%. And the median was -296.59%.

ASX:CCR's ROC (Joel Greenblatt) % is ranked worse than
68.05% of 2801 companies
in the Software industry
Industry Median: 19.63 vs ASX:CCR: -16.55

Credit Clear's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 0.00% per year.


Credit Clear  (ASX:CCR) ROC (Joel Greenblatt) % Explanation

The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.

Joel Greenblatt uses his definition of Return on Capital and Earnings Yield (Joel Greenblatt) % to rank companies.


Credit Clear ROC (Joel Greenblatt) % Related Terms


Credit Clear ROC (Joel Greenblatt) % Historical Data

* Premium members only.

The historical data trend for Credit Clear's ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % Chart

Credit Clear Annual Data
Trend Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
ROC (Joel Greenblatt) %
Get a 7-Day Free Trial -580.19 -751.59 -296.59 -93.89 -47.37

Credit Clear Semi-Annual Data
Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROC (Joel Greenblatt) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only -77.45 -110.33 -88.57 0.09 -34.63

ASX:CCR vs IBM, ACN, FISV: ROC (Joel Greenblatt) % Comparison

For the Information Technology Services subindustry, Credit Clear's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Software Industry

For the Software industry and Technology sector, Credit Clear's ROC (Joel Greenblatt) % distribution charts can be found below:

* The bar in red indicates where Credit Clear's ROC (Joel Greenblatt) % falls into.


ASX:CCR
35GF Score
Credit Clear Ltd ASX:CCR
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Credit Clear ROC (Joel Greenblatt) % Calculation

Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:

ROC (Joel Greenblatt) %=EBIT/Average of (Net fixed Assets + Net Working Capital)

EBIT stands for Earnings Before Interest and Taxes.

Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.

GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.

Working Capital(Q: Jun. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(7.007 + 0 + 0.932) - (6.785 + 0 + 9.881)
=-8.727

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(6.364 + 0 + 7.57) - (4.753 + 0 + 9.065)
=0.116

When net working capital is negative, 0 is used.

So ROC (Joel Greenblatt) % of Credit Clear for the quarter that ended in Dec. 2025 can be restated as:

ROC (Joel Greenblatt) %(Q: Dec. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Jun. 2025  Q: Dec. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=-1.396/( ( (3.97 + max(-8.727, 0)) + (3.976 + max(0.116, 0)) )/ 2 )
=-1.396/( ( 3.97 + 4.092 )/ 2 )
=-1.396/4.031
=-34.63 %

Note: The EBIT data used here is two times the semi-annual (Dec. 2025) EBIT data.

* 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.

What does a ROC (Joel Greenblatt) % of -34.63% mean?
Credit Clear (ASX:CCR) has a ROC (Joel Greenblatt) % of -34.63% as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Credit Clear and its competitors. According to the industry distribution chart, Credit Clear ranks #1906 out of 2801 companies in the Software industry, placing it in the top 68%.
Is Credit Clear's ROC (Joel Greenblatt) % too high?
Credit Clear's current ROC (Joel Greenblatt) % is -34.63%. Based on the distribution chart, Credit Clear ranks #1906 out of 2801 companies in the Software industry, which is below 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 ROC (Joel Greenblatt) % compare to IBM and ACN?
According to the Software industry distribution chart, Credit Clear ranks #1906 out of 2801 companies for ROC (Joel Greenblatt) %. This places Credit Clear in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 19.63. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Software company?
The median ROC (Joel Greenblatt) % among Software companies is 19.63, based on 2,801 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Credit Clear and its competitors. For the Software industry, the median ROC (Joel Greenblatt) % is 19.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Clear's current ROC (Joel Greenblatt) % is -34.63%. 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$0.16 — trading 55.7% below its estimated fair value. The current ROC (Joel Greenblatt) % is -34.63%. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Credit Clear (ASX:CCR), the current ROC (Joel Greenblatt) % is -34.63% 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$0.16 is trading 55.7% below its estimated GF Value™ of A$0.35. GuruFocus considers Credit Clear to be Significantly Undervalued.

Key valuation signals for ASX:CCR:

  • ROC (Joel Greenblatt) %: -34.63%
  • GF Value™: A$0.35 vs. price of A$0.16 (55.7% 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

Get the complete analysis for ASX:CCR

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$0.16
Price
A$0.35
GF Value