Credit Clear (CCR) investor relations material

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.