Summary
The fund managers believe that Credit Clear Ltd presents a strong investment opportunity due to its innovative approach to debt recovery and management. In their opinion, the company's robust technology platform enhances efficiency and reduces costs, positioning it favorably in the competitive landscape. Additionally, the fund managers highlight consistent revenue growth and expanding market share as key indicators of future performance. They also note the potential for strategic partnerships that could further bolster Credit Clear's market presence. However, some concerns were raised regarding regulatory risks and the need for ongoing investment in technology to maintain its competitive edge. Overall, the consensus among the fund managers is cautiously optimistic, emphasizing the importance of monitoring market conditions and company performance closely.
Please note: The completeness, accuracy or current status of the investments referenced are not guaranteed.
Source: Trading View
Commentary From The Managers
Cyan Investment Management
2 June 2025
$0.23
Summary
- Credit Clear (CCR) is a digital-first debt collection platform.
- It replaces traditional aggressive tactics with technology-enabled, “soft touch” communication methods such as texts, emails, and WhatsApp.
- CCR services large corporate clients including Suncorp, Allianz, and Vodafone.
- Cyan Investment Management continues to hold because CCR is well-positioned in a tough economic environment.
- There is an increasing need for efficient receivables management as individuals are slower to pay their bills.
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Please note: The completeness, accuracy or current status of the investments referenced are not guaranteed.
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Commentary From The Managers
Cyan Investment Management
2 June 2025
$0.23
- Credit Clear (CCR) is a digital-first debt collection platform.
- It replaces traditional aggressive tactics with technology-enabled, “soft touch” communication methods such as texts, emails, and WhatsApp.
- CCR services large corporate clients including Suncorp, Allianz, and Vodafone.
- Cyan Investment Management continues to hold because CCR is well-positioned in a tough economic environment.
- There is an increasing need for efficient receivables management as individuals are slower to pay their bills.
Summary
Endeavor Asset Management
28 Feb 2025
$0.28
- Credit Clear (CCR) has released its 1H25 results, aligning with preliminary figures from January.
- Despite meeting expectations, the lack of a guidance upgrade resulted in a share price decline.
- CCR is well-positioned for EBITDA margin expansion as new client onboarding nears completion.
- The business is expected to benefit from economies of scale, anticipating double-digit revenue growth while nearly 40% of operating expenses remain fixed.
- Increased digital collections should further improve efficiency.
- CCR is on track for its first profit this year, driven by ~17% revenue growth.
- The company appears undervalued at 14x FY26 P/E.
Summary
Cyan Investment Management
31 Oct 2024
$0.31
- Cyan Investment Management entered a new position in Credit Clear Ltd (CCR), a debt collection company.
- Credit Clear has significantly transformed since acquiring customer debt servicing business ARMA.
- Unlike traditional debt collection firms, Credit Clear collaborates with tier-1 clients, including telcos and energy companies.
- The company utilizes AI and machine learning systems to manage outstanding debts effectively.
- As a result, Credit Clear achieves strong net promoter scores (NPS) and maintains sustained revenue growth.
- Recently, the company confirmed expectations to meet or exceed previous revenue guidance growth of ~20%.
Summary
Monash Investors
31 Oct 2024
$0.31
- Credit Clear operates an AI-driven receivables management platform, providing collection and account management solutions to major Australian companies in regulated industries.
- The service enables businesses to outsource collections, reduce delinquency, and enhance client engagement through effective debt management.
- Despite facing challenges in recent years, Credit Clear has been refining its platform and focusing on growth that is now becoming evident.
- A growing number of leading companies are adopting the platform, creating high switching costs for clients and establishing a valuable repeat-business model.
- While new client relationships initially generate losses, profitability is expected to improve as these relationships mature.
- The current growth trajectory, although masking underlying profitability, indicates that as growth continues, profitability will expand.
- The market is starting to acknowledge this inflection point, positioning Credit Clear as a strong prospect for future success.
- Monash Investors continues to hold because the case for investment becomes increasingly compelling as Credit Clear solidifies its presence in the market.
Summary
Endeavor Asset Management
30 Sept 2024
$0.32
- Endeavor Asset Management initiated a position in Credit Clear (CCR), a fintech company with a digital debt collection platform.
- The technology has the potential to disrupt the traditional debt collection industry.
- Credit Clear offers significant scalability advantages through its innovative approach.
- The platform leverages digital engagement, enhancing efficiency and reducing costs.
- Endeavor Asset Management anticipates significant growth for CCR in the coming years.
- The company is projected to generate its first profit this year.
- CCR is currently trading at an attractive 10x FY26e EV/EBITDA.
- Strong growth is expected through FY28.
Summary
Please note: The completeness, accuracy or current status of the investments referenced are not guaranteed.
Frequently Asked Questions
Who has invested in Credit Clear Ltd (ASX:CCR)?
Fund managers including Endeavor Asset Management, Cyan Investment Management and Monash Investors have invested in Credit Clear Ltd (ASX:CCR).
Why have investment managers invested in Credit Clear Ltd (ASX:CCR)?
Fund managers are investing in Credit Clear Ltd (CCR) due to its innovative fintech solutions that disrupt traditional debt collection methods. CCR's digital platform leverages AI and machine learning, enabling efficient and cost-effective debt resolution for tier-1 clients in regulated industries. With expectations of strong revenue growth, projected at approximately 20%, and the potential for EBITDA margin expansion, CCR is well-positioned for profitability. The company's unique approach fosters high net promoter scores and strong client engagement, making it attractive for sustained revenue generation. As CCR continues to refine its platform and onboard new clients, it is seen as a compelling investment opportunity poised for significant growth in the coming years.
What happened to Credit Clear Ltd (ASX:CCR)?
There have been no recent updates from fund managers regarding Credit Clear Ltd although fund managers including Endeavor Asset Management, Cyan Investment Management and Monash Investors have previously commented.