Credit Clear (CCR) investor relations material

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.