Credit Clear Limited · ASX:CCR
Credit Clear — H1 FY2026 Earnings Presentation
24 slides from Credit Clear's earnings presentation, Feb 26, 2026
Slide 1: Transforming the debt collection industry – 1HFY26 Results Presentation
For personal use only Transforming the debt collection industry 26 February 2026 1HFY26 Results Presentation
Slide 2: Important Information
Important Information This presentation has been prepared by and is the sole responsibility of Credit Clear Limited ACN 604 797 033 (Company). The information contained in this presentation was prepared as of 26 February 2026 and remains subject to change without notice. The information in this pres
Slide 3: An Integrated & End-to-End Debt Resolution Provider
An Integrated & End-to-End Debt Resolution Provider Diversified revenue streams across three key areas For personal use only • Proprietary, AI-powered customer • Market-leading provider of • In-house legal escalation and engagement and digital payments traditional, contingent debt litigation, comple
Slide 4: Performance driven by growing customers share of wallet
Performance driven by growing customers share of wallet Underlying EBITDA1 supported by ongoing cost efficiencies and shifting channel mix towards digital transition For personal use only $25.0m $3.6m $20.9m 1HFY26 Revenue Underlying EBITDA1 Cash at bank +8% on PCP +24% on PCP Funded for growth oppo
Slide 5: Improving profitability with a growing digital focus
Improving profitability with a growing digital focus For personal use only ~14% ~$1.0m 53% Underlying Cash GENERATED Stable Gross Margins EBITDA1 Margin from operations (1HFY25: 54%) improves from 13% down (1HFY25:$2.5m) in 1HFY25 1. Underlying EBITDA excludes share-based expenses and non-core busin
Slide 6: Ongoing engagement with improving share of wallet
Ongoing engagement with improving share of wallet Growing sales pipeline with upfront investment in winning and growing clients completed For personal use only 21 59 Tier-1 clients1 in 1H FY26 vs Tier-2 clients2 in 1H FY26 21 in 1H FY25 Up from 47 in 1H FY25 $1.3m – average annualised $223k – averag
Slide 7: Unlocking global reach, with comprehensive offering
Unlocking global reach, with comprehensive offering Driving growth via cross-sell opportunities across recent acquisitions & newly established BPO offering For personal use only Business Processing Operations (BPO) Acquired January 2026 Acquired January 2026 Strategy to expand existing Well-establis
Slide 8: Expanding geographic footprint via ARC Europe
Expanding geographic footprint via ARC Europe ARC expected to be earnings accretive in its first full financial year of ownership For personal use only • UK based debt collection agency • Established in 2001, with trusted partnerships across Financial Services, Health & Leisure, Insurance, and Utili
Slide 9: Digital scale-up, driving growth in new markets
Digital scale-up, driving growth in new markets DTS leverages technology to minimise collections cost, improving customer engagement For personal use only • SaaS business, that supports debt collection and management for customers by capturing data-insights from high volume interactions, to build pr
Slide 10: Growth supported by increasing digital collections
Growth supported by increasing digital collections Demonstrating a high growth rate in digital collections For personal use only • A leading digital provider in the collections Digital Collection Payments ($m) process with a white label solution that: $84.4m o Enhances recovery rate $74.6m o Improve
Slide 11: Increasing share of customer wallet
Increasing share of customer wallet Strong growth in winning revenue above client budgets, underpinned by products delivering speed and ease For personal use only Insurance client - 1HFY26 Revenue vs Initial Budget $150,000 Case Study | Large Insurance client $125,000 • Initial budget estimated at ~
Slide 12: Financials
For personal use only Financials
Slide 13: 1HFY26 Underlying vs Statutory result
1HFY26 Underlying vs Statutory result 1H FY26 1H FY25 Commentary $000’s $000’s EBITDA - Underlying Business For personal use only Revenue 25,020 23,249 Up 8% Expenses Employee Benefits (13,297) (12,863) Increase in sales resources. BPO Expansion. Other (8,135) (7,453) System enhancements for new/onb
Slide 14: FY26 Outlook
For personal use only FY26 Outlook
Slide 15: FY26 Outlook
FY26 Outlook Trading conditions are supportive, debt contingent market continues to grow For personal use only Macroeconomic Average amount of personal debt (excluding mortgages) in Australia is on the rise Tailwinds Australian companies are focused on strengthening their debt resolutions and reduci
Slide 16: Top-line momentum continues in FY26
Top-line momentum continues in FY26 Scaling Revenue through strategic acquisitions, EBITDA stable as synergies are unlocked For personal use only • FY26 Revenue guidance of $57.0 to $59.0 million FY26 Revenue guidance $57.0m -$59.0m o Includes 5-months of DTS and 6-months contribution of ARC Europe
Slide 17: Continuing profitability improvements
Continuing profitability improvements Underlying business performance is yet to be reflected in CCR’s share price For personal use only CCR share Price vs Underlying EBITDA $4.0m $0.45 $3.0m $0.40 $0.35 $2.0m $0.30 $1.0m $0.25 $0.0m $0.20 ($1.0m) $0.15 ($2.0m) $0.10 ($3.0m) $0.05 ($4.0m) $0.00 1H22
Slide 18: Appendix
For personal use only Appendix © Copyright 2025. 2026. All Rights Reserved. 18
Slide 19: CCR Overview – Who We Are
CCR Overview – Who We Are Credit Clear Limited (ASX: CCR) Disciplined Operating & Capital Allocation Model For personal use only Teams Set Up To Service • One of Australia’s leading account receivables and • Focused on execution and accountability debt resolution groups • Delivery of long-term value
Slide 20: Transforming the debt collections industry
Transforming the debt collections industry With a mission to be the world’s most advanced customer engagement and re-payments platform, Credit Clear For personal use only challenges the traditional way corporations interact with their customers in collecting re-payments. Early-stage, white- Trusted
Slide 21: CCR Overview – Operating Model
CCR Overview – Operating Model For personal use only Sales Client appoints Credit Clear Note Finance Onboarding 01 We do NOT buy debt, we work with our clients to Credit Clear receives a Credit Clear and client resolve their customers’ commission and/or fee establish a two-way overdue accounts for a
Slide 22: CCR Overview – Purpose, Objective, Values
CCR Overview – Purpose, Objective, Values Our Values For personal use only A better Purpose Performance way to ` Caring about our performance to have a positive impact resolve debt on our teams, clients, customers and community Integrity Maximise return to ` Doing the right thing every time stakehol
Slide 23: Illustrative Client Profit/Loss Timeline
Illustrative Client Profit/Loss Timeline For personal use only 12-15 Months Client reduces number of 9-12 Months providers on panel & broadens scope of work Increase share of for Credit Clear business on panel 0-3 Months 3-6 Months 6-9 Months Onboarding Initial portfolio of Optimisation, debt champi
Slide 24: Andrew Smith and Melanie Singh contact details
For personal use only Andrew Smith Melanie Singh CEO & MD Investor Relations Credit Clear Credit Clear E: andrew@armagroup.com.au e: melanie@nwrcommunications.com.au m: +61 439 748 819 © Copyright 2026. All Rights Reserved. 24