Credit Clear Limited · ASX:CCR
Credit Clear — FY2025 Earnings Presentation
20 slides from Credit Clear's earnings presentation, Aug 22, 2025
Slide 1: Transforming the debt collection industry
For personal use only Transforming the debt collection industry 22 August 2025 FY25 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 22 August 2025 and remains subject to change without notice. The information in this presen
Slide 3: 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 4: Growth driven by innovative and scalable technology
Growth driven by innovative and scalable technology Underlying EBITDA1 outperformance supported by ongoing cost efficiencies and focus on digital transition For personal use only $46.9m $7.4m $15.6m FY25 Revenue Underlying EBITDA1 Cash at bank +12% on PCP +76% on PCP Funded for growth opportunities
Slide 5: Significant improvement in Underlying EBITDA margin
Significant improvement in Underlying EBITDA margin For personal use only ~16% $5.8m 53% Underlying Cash GENERATED Gross Margin flat EBITDA1 Margin to from operations up (FY24: 53%) due to revenue improves 57% from $3.7m in significant onboarding from 10% in FY24 FY24 & resourcing of new clients 1.
Slide 6: An Integrated & End-to-End Debt Resolution Provider
An Integrated & End-to-End Debt Resolution Provider Diversified revenue streams across three key areas For personal use only • Proprietary, AI-powered customer • Market-leading provider of • In-house legal escalation and engagement and digital payments traditional, contingent debt litigation, comple
Slide 7: Harnessing digital engagement
Harnessing digital engagement Demonstrating a high growth rate in digital collections For personal use only Digital Collection Payments ($m) • A leading digital provider in the collections process with a white label solution that: 55.47% CAGR o Enhances recovery rate 140 o Improves collection time o
Slide 8: Demonstrated increase in digital uptake
Demonstrated increase in digital uptake Case study - highlights the growth in digital debt collection For personal use only Digital Collection Treatment within CCR’s Consumer Cohort • Digital interactions is the growing approach for customer contact & repayments 81.5% 82.6% • Growing market opportun
Slide 9: Significant number of new clients onboarded
Significant number of new clients onboarded Growing sales pipeline with upfront investment in winning and onboarding clients completed in FY25 For personal use only 182 19 52 New clients onboarded Tier-1 clients1 in FY25 Tier-2 clients2 in FY25 in FY25 Down from 20 in FY24 Up from 44 in FY24 Onboard
Slide 10: Increasing share of customer wallet
Increasing share of customer wallet Strong growth in winning new clients and growing share of wallet underpinned by speed and ease For personal use only Case Study | Insurance client • Awarded new business in August 2023, initial onboarding completed within one month • Initial budget estimated at $4
Slide 11: Financials
For personal use only Financials
Slide 12: FY25 Underlying vs Statutory result
FY25 Underlying vs Statutory result FY25 FY24 Commentary $000’s $000’s EBITDA - Underlying Business For personal use only Revenue 46,922 42,001 Up 12% Expenses Employee Benefits (23,607) (21,769) Employee benefits up 8% Continued investment in Digital collections with reduced headcount Tech Developm
Slide 13: FY26 Outlook
For personal use only FY26 Outlook
Slide 14: FY26 Outlook
FY26 Outlook Trading conditions are supportive, debt contingent market continues to grow For personal use only Average amount of personal debt in Australia is on the rise, recent rate cuts provide opportunity Macroeconomic for individuals to service outstanding debt Tailwinds Australian companies ar
Slide 15: Appendix
For personal use only Appendix © Copyright 2025. All Rights Reserved. 15
Slide 16: 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 17: 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 18: 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 19: 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 20: For personal use only
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 2025. All Rights Reserved. 20