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Credit Clear (CCR) investor relations material
Credit Clear H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary21 Aug, 2025
Executive summary
AI-driven platform for accounts receivable and debt recovery, serving major Australian sectors and over 1,000 businesses, with strong digital collections and onboarding of major clients.
Achieved a net promoter score above 40 from over 550,000 respondents, reflecting high client satisfaction.
Business transformation over four years emphasized fiscal discipline, organic growth, and profitability, consistently outperforming competitors.
Three service lines: SaaS digital solution, hybrid debt resolution, and legal services.
AI-driven technology platform delivered a 22% uplift in performance and improved customer engagement.
Financial highlights
FY25 revenue reached $46.9M, up 12% year-over-year, driven by new and existing clients.
Underlying EBITDA rose 76% to $7.4M, with margin improving from 10% to 16%.
Net profit after tax of $3.5M, reversing a prior year loss of $4.4M.
Cash at bank of $15.6M, with cash generated from operations up 57% to $5.8M.
Gross profit margin remained flat at 53% due to onboarding major clients.
Outlook and guidance
FY26 revenue guidance: $50–52M; underlying EBITDA: $9–10M.
Strong sales pipeline, continued AI and SaaS integration, and high margin growth potential.
Supportive macroeconomic conditions with rising personal debt and expected rate cuts.
Cost savings from management and operational consolidation to benefit FY26.
On-market share buyback of up to 10% of issued capital as part of capital management.
What drives current capital allocation decisions?
Credit Clear's competitive edge and market share growth?
How does digital adoption boost profit margins?
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Next Credit Clear earnings date
H1 202624 Feb, 2026
Next Credit Clear earnings date
H1 202624 Feb, 2026
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Frequently asked questions
Credit Clear Limited is an Australian technology company specializing in digital billing and debt collection solutions. The company provides a platform that uses artificial intelligence and data analytics to optimize the collection process, allowing businesses to communicate with customers through digital channels like SMS, email, and app notifications. Credit Clear’s services are designed to improve recovery rates while enhancing customer experience by offering flexible and convenient payment options. The company is headquartered in Melbourne, Australia, and its shares are listed on the ASX.
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