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Credit Clear (CCR) investor relations material
Credit Clear AGM 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.AGM 2025 summary13 Nov, 2025
Opening remarks and agenda
Chair welcomed shareholders, proxies, auditor, and registration officer; outlined voting and Q&A procedures, with results to be lodged with the ASX post-meeting.
Only shareholders, proxies, or corporate representatives could comment, ask questions, or vote; poll voting was used for all resolutions.
AGM held on 13 November 2025, focusing on digital payment technology and industry transformation.
Financial performance review
Achieved record revenue of AUD 46.9 million in FY2025, up 12% from prior year, driven by core debt recovery and digital scaling.
Underlying EBITDA rose 76% to AUD 7.4 million, with margin improving to ~16% from 10% in FY24.
Strong cash position of AUD 25.7 million as of 31 October 2025, following a AUD 20.75 million capital raise.
Operating cash flow increased by 57% to AUD 5.8 million; gross margin stable at 53% year-on-year.
Revenue guidance for FY2026 is AUD 50–52 million, with EBITDA guidance of AUD 9–10 million, pending ARC Europe integration.
Strategic initiatives and plans
Landmark acquisition of ARC Europe for AUD 10.9 million marks entry into the U.K. market, expanding addressable market and diversifying revenue.
ARC expected to be earnings accretive in its first full year, with FY25 revenue of AUD 8.8 million and EBITDA of AUD 1.24 million.
Integration plan for ARC Europe includes phased technology deployment, leveraging AI-enabled digital collections, and targeting operational synergies.
Guidewire Software integration completed, enabling future-proofing of insurance market offerings and new client opportunities.
Focus on organic growth in Australia, especially in insurance and utilities, and disciplined pursuit of further M&A opportunities.
ARC Europe tech rollout plan & KPIs?
M&A pipeline: target types and criteria?
Guidewire partnership: expected impact on insurance?
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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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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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