Credit Clear Limited · ASX:CCR
Credit Clear — H1 2025 Earnings Presentation
15 slides from Credit Clear's earnings presentation, Feb 26, 2025
Slide 1: 1H FY25 Investor Presentation
For personal use only PROFITABLE GROWTH Revenue $23.2m up 16% PCP 1H FY25 Investor Presentation ASX: CCR | 26 February 2025 Underlying EBITDA of $2.9m up 66% PCP FY25 guidance reaffirmed with expectations of a stronger 2H FY25 with growth from existing and new clients
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 2025 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 For personal use only An ASX-listed Trusted by hundreds of Strong trading conditions Leading the rapid company that has a companies in highly with digitisation of commercially proven AI- regulated and diverse rising cost of living, customer engagem
Slide 4: Achieving Profitable Growth
Achieving Profitable Growth Record Revenue Up 16% on PCP & Strong Cash From Operations Resulting In 1H FY25 Underlying EBITDA1 of $2.9m For personal use only $23.2m $2.9m $13.8m 1H FY25 Revenue Underlying EBITDA1 Cash at bank +16% on PCP +66% on PCP Funded for growth opportunities Revenue ($m) Under
Slide 5: 1H FY25 – Improving Operating Leverage
1H FY25 – Improving Operating Leverage For personal use only 54% $2.5m 13% Gross Margin Up From Cash GENERATED Underlying EBITDA1 53% In FY24 Driven By from operations up Margin to revenue Digital COLLECTIONS 50% in 1H FY25 Improves from 9% to 13% 1. Notes: underlying EBITDA excludes share-based exp
Slide 6: CCR Overview – FY 1H25 Underlying vs Statutory Result
CCR Overview – FY 1H25 Underlying vs Statutory Result 1H'23 1H'24 1H'25 $000's $000's $000's Notes (1H'25 vs 1H'24) For personal use only U-EBITDA1 Revenue 17,374 20,030 23,249 Up 16%, driven by new and existing clients Expenses (10,417 (11,796 Employee Benefits (10,675) Up 13%, resourcing for new c
Slide 7: Clients Building Momentum
Clients Building Momentum 12 of our 21 Tier-1 Clients are Not Yet Fully Developed For personal use only 21 47 Tier-1 clients1 in FY 1H25 Tier-2 clients2 in 1H FY25 Up from 16 in 1H24 Up from 39 in 1H FY24 95% of tier-1 clients in FY24 remain tier-1 93% of tier-2 clients in FY24 remain tier-2 client
Slide 8: CCR Overview – Investment Thematics
CCR Overview – Investment Thematics Competitive Landscape For personal use only • On going consolidation, business failure and industry corporate activity has reduced the overall number of tier-1 providers while disrupting competitor’s focus on their operations o M&A – Credit Corp, Recoveries Corp a
Slide 9: On Track To Achieve FY25 Guidance
On Track To Achieve FY25 Guidance FY25 Guidance Onboarding Clients For personal use only 1H FY25 revenue of $23.2m and Underlying EBITDA 1 of $2.9m, with The Company is onboarding and/or developing revenue from multiple confidence of a stronger 2H FY25, places the Company on track to achieve clients
Slide 10: Outlook
Outlook For personal use only Macroeconomic Trading conditions are supportive Tailwinds Australian companies strengthening their debt resolution capabilities through outsourced providers Continue to win share of wallet from large clients with our end-to-end hybrid offering Continued integration and
Slide 11: For personal use only
For personal use only Andrew Smith Warrick Lace CEO & MD Investor Relations Credit Clear Credit Clear E: andrew@armagroup.com.au e: warrick.lace@creditclear.com.au m: +61 404 656 408 © Copyright 2025. All Rights Reserved. 11
Slide 12: 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 debt • Focused on execution and accountability resolution groups • Delivery of long-term value
Slide 13: 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 for establish a two-way data overdue accou
Slide 14: 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 on our resolve debt teams, clients, customers and community Integrity Maximise return to ` Doing the right thing every time stakehol
Slide 15: 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 for Increase share of Credit Clear business on panel 0-3 Months 3-6 Months 6-9 Months Onboarding Initial portfolio of Optimisation, debt champi