Slide 1: FY26 Results Presentation
For personal use only FY26 Results Presentation 27 August 2026
Slide 2: Important Information
Important Information This presentation has been prepared by and is the sole responsibility of Credit Clear none of the Company, its directors, employees or agents, nor any other person Limited ACN 604 797 033 (Company). The information contained in this presentation accepts any liability, including
Slide 3: Integrated End-to-End Debt Resolution Provider Across Australia and UK
Integrated End-to-End Debt Resolution Provider Across Australia and UK Assisting large enterprise clients turn outstanding debt into recovered revenue. One ecosystem, every path to payment: human, digital and legal For personal use only DIGITAL HYBRID LEGAL SERVICES • Proprietary, white labelled, AI
Slide 4: Strong Financial Performance; Ahead of Guidance
Strong Financial Performance; Ahead of Guidance Good organic revenue growth, strong initial contributions from acquisitions and operating leverage via CCR’s digital, AI-enabled collections platform For personal use only $60.0m $10.5m $6.7m FY26 Revenue Underlying EBITDA 1 Underlying NPATA +28% on PC
Slide 5: Financial year highlights
Financial year highlights Continuation of organic revenue growth with operating leverage at home & strategic acquisitions abroad For personal use only $60.0m 1.4 cps $6.7m Revenue Underlying EPS1 Underlying NPATA +28% on PCP +45% on PCP +65% on PCP 17.5% $8.3m $16.9m Underlying EBITDA 2 Margin Under
Slide 6: FY26 Revenue Bridge
FY26 Revenue Bridge Organic revenue growth of 9%; initial contribution from ARC Europe and DTS acquisitions For personal use only $9.9m $70.0m $9.1m $60.1m $4.0m $47.0m FY25 Organic Acquisitions 1 FY26 Acquisitions FY26 (Actual) (Pro Forma) (Pro Forma) 1. Includes 6-months contribution from ARC Euro
Slide 7: FY26 Underlying EBITDA Bridge
FY26 Underlying EBITDA Bridge Organic Underlying EBITDA growth of 17%; initial contribution from ARC Europe and DTS acquisitions For personal use only $1.5m $12.0m $1.7m $10.5m $1.3m $7.5m FY25 Organic Acquisitions 2 FY26 Acquisitions FY26 (Actual) (Pro Forma) (Pro Forma) 1. Underlying EBITDA exclud
Slide 8: FY26 Underlying EBITDA vs Statutory result
FY26 Underlying EBITDA vs Statutory result FY26 FY25 Commentary $000’s $000’s EBITDA - Underlying Business For personal use only Revenue 60,118 46,922 Increase of 28% Expenses Employee Benefits (32,326) (23,607) Other (17,301) (15,852) EBITDA - Underlying Result 10,491 7,463 Increase of 41% EBITDA m
Slide 9: FY26 Underlying NPATA and EPS
FY26 Underlying NPATA and EPS Growth of 65% in Underlying NPATA and 45% for Underlying EPS Underlying NPATA Bridge • Underlying NPATA of $6.7m, up 65% For personal use only • Underlying EPS of 1.4 cents per share (cps), up 45%: $1.8m o Adjusts for the dilution impact of $2.8m executive incentives (s
Slide 10: Strong and Improved Balance sheet
Strong and Improved Balance sheet FY2026 FY2025 For personal use only Cash 22.4 15.7 Working Capital 1.7 -1.1 Total Liquidity 24.1 14.6 Intangible Assets 61.8 43.7 • Cash and liquidity position strong and Fixed Assets, Net 4.8 4.0 improved. Net cash $16.9m. Deferred Tax Asset 7.4 5.6 • Intangible as
Slide 11: Increasing Operating Cashflows
Increasing Operating Cashflows For personal use only FY2026 FY2025 Growth Underlying Operating Cash 8.3 6.6 25% • Underlying operating cash up 25% to $8.3m. Adjusts for non-operating costs. Operating Cash 6.6 5.8 14% • Reported Operating cash up 14% to $6.6m. Good cash conversion. Investing Cash (16
Slide 12: A leading debt resolution provider with world-class clients
A leading debt resolution provider with world-class clients A trusted partner in highly regulated and diverse industries, engaging millions of end customers UK & EUROPE AUSTRALIA & NEW ZEALAND U.S & CANADA For personal use only A strong foothold in Australia & NZ, with growing international presence
Slide 13: Movement to higher margin digital channels
Movement to higher margin digital channels Growth in digital payments continues to outperform other channels For personal use only CCR’s Digital Collection Payments1 ($m) • 26% increase in FY26 direct digital payments to $176m (FY25: $140m) 46.7% CAGR • 23% increase in FY26 number of active debt fil
Slide 14: AI and automation now adding to operational leverage
AI and automation now adding to operational leverage Automation and AI allowing the business to scale without significant increase in headcount For personal use only ARI The opportunity M M U N I C A T I O N S (Adaptive Resolution O C EMAIL Intelligence) • AI tools automate and add value to ARI Road
Slide 15: ARC Europe update
ARC Europe update Represents Credit Clear's entry into the UK and European collections markets For personal use only (Acquired January 2026) $m As Announced 2026 Annualised Outlook Revenue 8.8 9.6 Currently onboarding a new Tier 1 client, go live in September. EBITDA 1.2 1.6 EBITDA Margin 13.6% 16.7
Slide 16: DTS update
DTS update Global SaaS provider of collections platform for blue chip client base For personal use only (Acquired February 2026) $m As Announced 2026 Annualised Outlook Revenue 10.0 9.5 Stronger sales and growth focus under new management. EBITDA 1.2 1.7 Develop cross sell opportunities via EBITDA M
Slide 17: ACCC update
ACCC update As announced on 24 th June 2026, the ACCC commenced proceedings against ARMA Group Holdings Pty Ltd (ARMA) and Force Legal Pty Ltd (Force Legal), wholly owned subsidiaries of Credit Clear. For personal use only Credit Clear continues to deny the allegations of contraventions of the Austr
Slide 18: FY27 Market Outlook
FY27 Market Outlook • Revenue expected in a range between $73.0m-77.0m. For personal use only • Underlying EBITDA is expected in a range between $12.0m-14.0m. FY27 • In line with prior periods, CCR expects seasonality of both revenue Guidance and earnings, weighted toward the second half. • The abov
Slide 19: Investment summary
Investment summary Key attributes underpinning future growth For personal use only Blue-Chip Repeatable Customer Organic Geographic Operating Domestic Strengthened Experienced Base Growth Expansion Leverage market Capital Team Momentum opportunity Position A large, Enhancing Entry into UK Increasing
Slide 20: For personal use only
For personal use only Joshua Reid Melanie Singh Executive Director Investor Relations Credit Clear Credit Clear E: investorrelations@creditclear.com.au e: melanie@nwrcommunications.com.au m: +61 439 748 819 © Copyright 2026. All Rights Reserved. 20