Credit Clear Limited · ASX:CCR
Credit Clear — Shareholder Meeting (November 2025)
10 slides from Credit Clear's shareholder meeting presentation, Nov 13, 2025
Slide 1: Transforming the debt collection industry
For personal use only Transforming the debt collection industry 13 November 2025 2025 AGM 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 1 3 November 2025 and remains subject to change without notice. The information in this pre
Slide 3: Chair Address
For personal use only Chair Address 13 November 2025
Slide 4: FY25 Growth driven by innovative and scalable technology
FY25 Growth driven by innovative and scalable technology Significant improvement in Underlying EBITDA margin 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 ~16% $5.8m 53% Underlying EBITDA1 Margin Operati
Slide 5: CEO Presentation
For personal use only CEO Presentation
Slide 6: Expanding geographic footprint via Oct acquisition
Expanding geographic footprint via Oct 25 acquisition ARC expected to be earnings accretive in its first full financial year of ownership For personal use only • Acquired UK based debt collection agency, ARC Europe • Established in 2001, ARC has trusted partnerships across Financial Services, Health
Slide 7: Growth continues into FY26
Growth continues into FY261 Revenue ($m) For personal use only • Q1 FY26 Revenue of $13.2m, up 10% on pcp FY26 Revenue guidance $50.0m -$52.0m • Q1 FY26 Gross Profit Margin remains stable 46.9 • FY26 Revenue guidance of $50.0 to $52.0 million 42.0 • FY26 Underlying EBITDA guidance of $9.0 to $10.0mi
Slide 8: 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 9: Questions
For personal use only Questions © Copyright 2025. All Rights Reserved. 6
Slide 10: 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 2025. All Rights Reserved. 7