Credit Clear delivered a solid H2 result, underpinned by continued growth in our core business and clear progress against our broader strategic agenda. Revenue increased 8% and underlying EBITDA grew 24%, with improving margins and operating leverage despite ongoing investment in sales, technology, and new capabilities. The balance sheet remains strong, with ~$21m in cash to support expansion.
As a full lifecycle receivables partner, combining digital SaaS, collections (ARMA), and legal services (Oakbridge), our integrated model is a key differentiator, enabling us to service clients across the entire debt lifecycle and drive stronger recovery outcomes through a hybrid of technology and human-led engagement.
Growth is increasingly driven by expansion within existing Tier 1 clients, where we are outperforming competitors on recovery rates, compliance, and service. This is translating into increased share of wallet and provides strong momentum into H2 and FY27. At the same time, rising adoption of digital payment channels continues to improve both customer engagement and margin performance.
The recent acquisitions (ARC Europe in the UK and DTS globally), alongside BPO expansion, are strategically significant. They materially expand the total addressable market, introduce new recurring SaaS revenues, and create cross-sell opportunities across geographies including the UK, US, Australia, and New Zealand. While near-term earnings contribution is modest due to integration and investment, these initiatives are expected to drive meaningful growth over the medium term.
AI remains a key enabler, already improving efficiency in software development and expected to play a larger role in customer engagement and call centre operations over time. Combined with supportive macro conditions (rising debt levels and increased demand for digital-first collections) the business is well positioned for continued growth.
Highlights included:
- Strong underlying performance with improving margins and operating leverage
- Clear differentiation through an end-to-end, technology-led receivables model
- Growth driven by Tier 1 client expansion and increasing digital adoption
- Acquisitions materially expand global reach and long-term growth potential
- Near-term investment and integration required, with benefits weighted to FY27+
If you would like to listen to CCR’s management team detail the results, watch the recording here
