Credit Clear delivered a strong FY26 result, with continued organic growth, increasing operating leverage and successful integration of the ARC Europe and DTS acquisitions. Revenue increased 28% to $60.0m, including 9% organic growth, while underlying EBITDA grew 41% to $10.5m and underlying NPATA increased 65% to $6.7m. EBITDA margin expanded from 15.9% to 17.5%, with the Group ending the year with a strong balance sheet and $16.9m in net cash.
As a full lifecycle receivables partner, combining digital SaaS and AI-enabled engagement, collections through ARMA and ARC Europe, and legal services through Oakbridge, Credit Clear’s integrated model remains a key differentiator. This enables the Group to support clients across the debt lifecycle while using technology, digital self-service and human-led engagement to improve recovery and customer outcomes.
Organic growth continues to be driven by digital-first platform adoption, growth across the Tier 1 and Tier 2 client base and increased share of wallet, with superior performance supporting increased allocations on key client panels. The shift towards higher-margin digital channels also continues to accelerate, with direct digital payments increasing 26% to $176m and active debt files referred for digital treatment increasing 23% to 6.4m during FY26. SaaS now represents 18% of Group revenue.
The acquisitions of ARC Europe and DTS materially expand Credit Clear’s addressable market and international growth opportunity. ARC establishes a platform in the UK collections market, estimated to be approximately four times the size of Australia, while DTS adds a highly recurring global SaaS collections business and digital voice capability. Integration is progressing, with cross-sell opportunities developing across the Group and further opportunities to deploy Credit Clear technology and digital solutions into the acquired businesses.
AI and automation are becoming increasingly important drivers of operating leverage. Credit Clear is deploying AI tools to automate administrative tasks, improve agent productivity and optimise customer engagement, while the ARI roadmap is designed to further automate recovery strategy and channel selection. Combined with continued growth opportunities across Australia and the UK, increasing digital adoption and cross-selling opportunities, the Group is targeting further growth in FY27.
FY27 guidance is for revenue of $73.0m–$77.0m and underlying EBITDA of $12.0m–$14.0m, with performance expected to remain weighted towards the second half in line with prior periods.
Highlights included:
- Revenue up 28% to $60.0m, with organic revenue growth of 9%
- Underlying EBITDA up 41% to $10.5m, with margin increasing to 17.5%
- Underlying NPATA up 65% to $6.7m and underlying EPS up 45%
- Digital payments increased 26% to $176m, supporting higher-margin growth
- ARC Europe and DTS expand international reach, SaaS capability and cross-sell opportunities
- Strong balance sheet with $16.9m net cash and increasing operating cash flow
- FY27 guidance of $73m–$77m revenue and $12m–$14m underlying EBITDA
If you would like to listen to CCR’s management team detail the results, watch the recording here
