Credit Clear Ltd
ASX:CCR

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Credit Clear Ltd
ASX:CCR
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Price: 0.19 AUD Market Closed
Market Cap: AU$99.1m

Credit Clear Ltd
Investor Relations

Credit Clear Ltd. provides receivables management solutions. The company is headquartered in Southbank, Victoria. The company went IPO on 2020-10-27. The Group also provides commercial legal services as part of its full end to end receivable management service. The firm segment includes Receivable collections and Legal Services. Its Receivable collections segment represents the provision of receivable collection services using a combination of technology solutions as well as traditional collection methods. Its Legal Services segment provides specialized credit legal services, which when combined with the Receivables Collections business, allows Company to provide a full-service end to end offering for its clients.

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Last Earnings Call
Fiscal Period
Q2 2026
Call Date
Feb 26, 2026
AI Summary
Q2 2026

Revenue Growth: Credit Clear reported revenue up 8% for the half, driven by stronger performance with both existing and new clients, but with a focus on expanding relationships with existing clients.

Profitability: Underlying EBITDA increased by 24%, with underlying EBITDA margin also continuing to improve, even as the company invests heavily in growth and acquisitions.

Acquisitions: Two major acquisitions—ARC Europe (UK debt collection) and Digital Technology Solutions (SaaS)—closed in January 2026, set to contribute 5–6 months' revenue and profit to FY26 and position the company for international expansion.

Guidance Raised: FY26 revenue guidance is $57–59 million, including $7–8 million from the new acquisitions; underlying EBITDA is guided at $9.5–10.5 million.

Digital Payments Momentum: Digital payment adoption is accelerating, now expected to reach 85%+ of group payments, supporting improved profitability.

AI Efficiency: AI is reducing tech team costs and being piloted for call center efficiency, with plans to scale its use across operations and BPO.

Strong Balance Sheet: Ended the period with just under $21 million in cash, providing flexibility for further growth initiatives.

Seasonality & Outlook: Management expects a stronger second half and continued benefits from increased share of wallet with Tier 1 clients.

Key Financials
Underlying EBITDA
$3.6 million
EBITDA (statutory)
$1.9 million
Net Cash
just under $21 million
NPATA
$626,000
Revenue from Acquisitions (FY26)
$7 million to $8 million
EBITDA from Acquisitions (FY26, guidance)
$0.5 million to $1 million
Earnings Call Recording
Other Earnings Calls
2026

Management

Mr. Andrew Kevin-John Smith
CEO, MD & Executive Director
No Bio Available
Mr. Victor Joseph Peplow
Chief Financial Officer
No Bio Available
Mr. Jason Serafino
Chief Product & Technology Officer
No Bio Available
Mr. Warrick Lace
Head of Investor Relations & Media
No Bio Available
Mr. Eddie Smith
Group Head of Sales
No Bio Available
Ms. Veronica Johns
Chief Customer Officer
No Bio Available
Mr. Adam John Gallagher B.Econ., GDipACG., GDipIS., ICSA, M.Com., MAICD
Company Secretary
No Bio Available

Contacts

Address
VICTORIA
Southbank
Level 4, 6 Riverside Quay
Contacts
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