Credit Clear (CCR) H1 2026 earnings summary

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 relationships with larger, recurring revenue clients.

• Underlying EBITDA rose 24% year-over-year, reaching $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, broadening global reach and providing entry into the UK, US, and other international markets.

• Digital payments and AI adoption continue to rise, improving operational efficiency and reducing headcount.

Financial highlights

• Revenue increased 8% to $25.0 million compared to the same period last year, 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.

• Statutory EBITDA nearly doubled to $1.9 million year-over-year.

Outlook and guidance

• Full-year revenue guidance set at $57.0–$59.0 million, including $7–8 million from recent acquisitions.

• Underlying EBITDA guidance for the year is $9.5–$10.5 million, with most contribution from the core business.

• Second half expected to outperform first half due to seasonality, increased share of wallet from Tier One clients, and ongoing integration of AI and SaaS platforms.

• Investments planned in sales and infrastructure for acquired businesses, with margin improvements expected in future years.

• Macroeconomic tailwinds and a growing sales pipeline expected to drive continued revenue growth.