Credit Clear (CCR) H2 2026 earnings summary

Executive summary

• Revenue grew 28% year-over-year to AUD 60 million in FY26, driven by 9% organic growth and significant contributions from ARC Europe and DTS acquisitions.

• Underlying EBITDA rose 41% to AUD 10.5 million, with margin improvement from 15.9% to 17.5% due to digital collections and operational enhancements.

• Expanded international presence, particularly in the UK, providing a new medium-term growth platform and diversified revenue streams.

• SaaS revenue now accounts for 18% of total revenue, reflecting a shift to higher-margin, recurring business.

• Strong balance sheet with net cash position of AUD 16.9 million, supported by capital raising and new debt facility.

Financial highlights

• Revenue increased 28% year-over-year to AUD 60 million, with organic growth of AUD 4 million (9%) and acquisition contributions of AUD 9.1 million.

• Underlying EBITDA up 41% to AUD 10.5 million; pro forma annual EBITDA would be AUD 12 million with full-year acquisition impact.

• Underlying NPATA up 65% to AUD 6.7 million; underlying EPS up 45% to AUD 0.014 per share.

• Operating cash flow up 25% to AUD 8.3 million; net cash at period end was AUD 16.9 million.

• Share buyback program reduced share capital by approximately AUD 8 million; further allowance remains.

Outlook and guidance

• FY27 revenue guidance: AUD 73–77 million; underlying EBITDA: AUD 12–14 million.

• Guidance assumes no material operational impact from ongoing ACCC proceedings.

• Continued organic growth anticipated in both Australia and the UK, with a skew to second-half performance.

• Further AI deployment and enhancements planned across the group.

• Growth to be driven by expanded AU/UK sales, SaaS and BPO growth, and further integration of AI technology.