Credit Clear Limited · ASX:CCR
Credit Clear — Investor Presentation (January 2022)
15 slides from Credit Clear's investor presentation, Jan 31, 2022
Slide 1: Q2 FY22 Quarterly Presentation
Q2 FY22 Quarterly Presentation ASX: CCR January 2022
Slide 2: Improves customer interactions
Improves customer interactions Credit Clear‘s platform has proven to help Proven businesses increase leves of engagement, uplift effectiveness and efficiency of results customer interactions, and enhance the customer experience Credit Clear‘s award-winning technology AI uses behavioural analytics, a
Slide 3: Genuine validation of digital solution
Genuine validation of digital solution AI and Machine Learning Optimiser Module Data platform developed to support AI, deeper • Major Australian BNPL delivers 5% uplift in analytics and strategy management module collection rate (Optimiser Module) • Water utility delivers a 17% uplift in collection
Slide 4: Quarterly financial highlights
Quarterly financial highlights $3.2m $1.1m $7.6m $660k Total revenue Digital revenue Total digital payments Traditional to digital conversion (revenue) 56% on pcp 85% on pcp 58% on pcp 162% on pcp 4
Slide 5: Quarterly operational highlights
Quarterly operational highlights 28 Growth FinTECH AWARD Post Quarter New client wins Opportunities The two new progressed top ten clients Select new clients: • Acquired ARMA 2021 Winner at the 6th • Expected to increase revenue by 6 – 8% ($1.6m – • Signed Partnering and Annual FinTech Awards $2m) i
Slide 6: Quarterly total revenue
Quarterly total revenue Total revenue ($m) +8% Total revenue up 56% on pcp $6.2m $6.7m H2 FY21 H1 FY21 Digital Traditional (early stage) Collections seasonality Traditional (late stage) Slowdown of collections activity towards the end of the year consistent with historical seasonal trends (moving in
Slide 7: Quarterly digital revenue
Quarterly digital revenue Total digital revenue ($m) Digital Digital revenue up 85% on pcp Supported by premier technology and an increased focus +85% on traditional to digital conversion On pcp Seasonality Q2 FY22 collection activity suppressed due to seasonal 1.3 fluctuations and ongoing COVID-19
Slide 8: ARMA – Acquisition rationale
ARMA – Acquisition rationale Accelerates revenue growth and Expands sales capacity and Broadens customer base, reach profitability expertise and data assets ü Highly profitable with $6.4m ü Secures one of Australia’s leading ü Additional 400+ customers normalised EBITDA in FY21 from DCA sales teams
Slide 9: ARMA – Enhanced coverage and footprint
ARMA – Enhanced coverage and footprint ARMA clients Utilities Insurance Finance Other verticals 2 New ARMA Clients post acquisition IAL/IAG Hollard Leading Fintech A leading fintech with a global Sumo Gallagher Bassett Queensland footprint has signed with ARMA Health to drive a hybrid collections st
Slide 10: ARMA – Combined group (FY21 illustrative)
ARMA – Combined group (FY21 illustrative) Company FY21 Pro-Forma $26.5m $15.5m FY21 Revenue $11.0m FY21 Gross profit $6.0m $7.3m $13.3m FY21 EBITDA ($2.5m) $6.4m $3.9m (normalised)3 FY21 Pro-forma end 359k2 279k 648k users Indicative net cash1 $9.0m 1. Indicative cash position at 30-Nov-2021 + capit
Slide 11: Progress towards pilot launch with Techub
Progress towards pilot launch with Techub Overview of Techub: Techub is a leading contact service provider headquartered in Johannesburg, South Africa Techub boasts a global client base with a particularly strong representation in the UK and US The total value of outstanding receivables across all o
Slide 12: International opportunities
International opportunities UK US • Deepened presence in New Zealand with remote deployment of digital platform to enhance support for long-term customer, Prospa Group Ltd • CCR’s presence is significantly enhanced with the acquisition of ARMA (New Zealand Recoveries • Signed a global Partnering and
Slide 13: Strategic initiatives for long-term growth
Strategic initiatives for long-term growth 2 1 Enhance Digital Capabilities 3 ü AI and machine learning focus Accelerate Core Growth ü Continue to develop core product suite Transformational ü Increase client base Growth ü Strategy manager module (Optimiser) ü Optimise through digital conversion Tar
Slide 14: Disclaimer
Disclaimer This presentation has been prepared by, and is the sole responsibility Credit Clear Limited ACN 604 797 033 (Company). The information contained in this presentation was prepared as at October 29, 2021, and remains subject to change without notice. The information in this presentation is
Slide 15: Contact Us
Contact Us Company David Hentschke Credit Clear e: david@creditclear.com.au Investors Warrick Lace Credit Clear m: +61 404 656 408 e: warrick.lace@creditclear.com.au