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Credit Clear
Credit Clear (CCR) investor relations material
Credit Clear H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary26 Feb, 2026
Executive summary
Achieved strong first-half results with revenue up 8% year-over-year to $25.0 million, driven by both existing and new clients, and a strategic focus on expanding share of wallet among Tier One and Tier Two clients.
Underlying EBITDA rose 24% year-over-year to $3.6 million, with profitability improvements from digital transition and cost efficiencies.
Net loss after tax narrowed significantly to $0.8 million from $2.2 million year-over-year.
Completed two significant acquisitions (ARC Europe and Digital Technology Solutions) in January 2026, broadening global reach and expected to be earnings accretive.
Continued investment in technology, AI, and BPO to drive operational efficiency and future growth.
Financial highlights
Revenue increased 8% year-over-year to $25.0 million, with underlying EBITDA up 24% to $3.6 million and margin improving to 14%.
Cash at bank stood at $20.9 million at 31 December, supporting growth initiatives and acquisitions.
Statutory net loss after tax was $0.8 million, an improvement from $2.2 million loss in the prior period.
Digital collections payments rose 29% to $84.4 million, and active debt files referred increased 30% to 3.0 million.
Cash from operations dipped due to a reduction in payables, not underlying performance.
Outlook and guidance
Full-year revenue guidance set at $57.0–$59.0 million, including contributions from recent acquisitions.
Underlying EBITDA guidance of $9.5–$10.5 million, with most contribution from the core business and further investments in sales and integration.
Second half expected to outperform first half due to seasonality and increased share of wallet from major clients.
Ongoing integration of AI technology and SaaS platform across teams.
Macroeconomic tailwinds and a growing sales pipeline expected to drive continued revenue growth.
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Next Credit Clear earnings date
H2 202620 Aug, 2026
Credit Clear
Next Credit Clear earnings date
H2 202620 Aug, 2026
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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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