Spenda Limited (CROTD) Fair Value & Analysis
Information Technology · US · Market cap $5.3M
What is Spenda Limited really worth?
Spenda Limited
CROTD · US
Below-average quality, currently priced close to our fair value of $0.0072.
Risks
Fair value as of: Aug 13, 2026
From 1 valuation models · updated 22 days ago
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price is below even our cautious bear case ($0.0072). The market is more pessimistic than our downside scenario.
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- The models converge in a tight band ($0.0072 to $0.0079), unusually little disagreement for a valuation.
- Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
56‑month range $0.0070 – $1.00 · fair‑value band $0.0072 – $0.0079 · the $0.0070 price screens below the $0.0072 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Spenda Limited (CROTD) currently trades at $0.0070, while our model-based Fair Value estimate is $0.0072, implying the stock looks roughly 2.9% fairly valued today. The Quality Score stands at 37/100 (below-average quality), in the Information Technology sector. How firm this estimate is: it rests on 1 models at a data quality of 85/100, which puts the evidence level at low.
Trailing-twelve-month revenue stands at $10.4M. Revenue declined 14.9% year over year. Net debt stands at $3.5M. Fundamentals as of Aug 13, 2026
Our scenario range runs from $0.0072 (bear case) to $0.0079 (bull case); at $0.0070, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Information Technology peers we cover trades at −26% fair-value upside, at 3%, CROTD screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 1 models by family
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 38 · Market factors (momentum, volatility) 6
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Spenda Limited develops and commercializes technology assets that enable the modernization of business IT systems through conversion, migration, and management of server-based legacy data and systems to the cloud in Australia. It operates through SaaS and Payments, and Lending segments.
Full company description
Spenda Limited develops and commercializes technology assets that enable the modernization of business IT systems through conversion, migration, and management of server-based legacy data and systems to the cloud in Australia. It operates through SaaS and Payments, and Lending segments. The company offers business-to-business payment services; merchant services; solutions for integrating payments into the software platform or marketplace; and invoice, supplier, buyer, and agri finance solutions. It also provides accounts receivable automation software for streamlining collections and accelerating incoming payments; accounts payable automation software for managing supplier payments and driving stronger cash flow; sales order management for collaborating on orders with customers; portable point of sale systems; eCommerce solutions; warehouse management solution for accessing accurate data and managing inventory; workshop management software for managing auto workshops; service management solution for streamlining business from end-to-end and enhance the customer experience with cloud-based field service management solution; Spenda wallet that approve business payments on mobile; pay by link, which accept contactless payments; payment widget that delivers eCommerce checkout; terminal payment that accepts online and offline payment; and purchasing software, a digital tool designed to automate and optimize procurement processes. The company was formerly known as Cirralto Limited and changed its name to Spenda Limited in February 2022. Spenda Limited is based in Perth, Australia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2024 · reported fiscal years
Spenda Limited reported revenue of A$5.1M in FY2024 versus A$825K in FY2021, a compound +84.0%/yr. Reported net income was −A$13.2M in FY2024.
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Peer Group
Information Technology · 3640 stocks
How this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Application Software” was too small, so the broader sector is used.)
Valuation Multiples vs Information Technology median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Application Software stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Formpipe Software AB FPIP | kr 29.90 | kr 24.73 | −17% |
| 526544 526544 | ₹2.62 | ₹0.8600 | −67% |
| B2BSOFT B2BSOFT | ₹23.75 | ₹29.56 | +24% |
| The fund FLXI | $49.00 | $132.63 | +171% |
| SCANPGEOM SCANPGEOM | ₹2.51 | ₹1.85 | −26% |
| FIRSTFIN FIRSTFIN | ₹6.51 | ₹1.72 | −74% |
| Xiaomi Corporation 81810 | HK$24.16 | HK$38.03 | +57% |
| 532755 532755 | ₹1,586 | ₹922.45 | −42% |
| Lenovo Group 80992 | HK$30.00 | HK$6.62 | −78% |
| CEINSYSTECH CEINSYSTECH | ₹796.45 | ₹586.06 | −26% |
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