Highlights

  • Credit Clear reported FY26 Revenue of AUD 60.0 mn, up 28% year on year.
  • Underlying EBITDA increased 41% to AUD 10.5 mn for FY26, and underlying NPATA grew 65% to AUD 6.7 mn.
  • Credit Clear combines digital engagement and SaaS technology with collections services and legal support.
  • Credit Clear is continuing to integrate ARC Europe and DTS alongside growing the digital Business and working with larger clients.

Credit Clear (ASX:CCR) reported higher FY26 revenue, Earnings and cash resources as its digital collections platform and acquired service businesses contributed to growth across the receivables market.

Revenue Reaches AUD 60 Million

Credit Clear reported FY26 revenue of AUD 60.0 mn, up 28% year on year. The company identified organic growth of 9%, with additional contributions associated with its acquisitions of ARC Europe and DTS. The figures distinguish growth from the pre-existing business from the broader reported increase that includes acquisitions. Its platform is used to manage receivables and engage with customers through digital channels. The group operates across the lifecycle of Accounts Receivable rather than relying solely on traditional collections services.

Earnings And Cash Position Improve

Underlying EBITDA increased 41% to AUD 10.5 mn for FY26, and underlying NPATA grew 65% to AUD 6.7 mn. Credit Clear reported an underlying EBITDA Margin of 17.5%, compared with 15.9% a year earlier. It ended FY26 with AUD 16.9 mn in net cash. EBITDA and NPATA are different earnings measures and the company describes both as underlying. The changes reflect the financial results it reported for the completed FY26 period, including contributions from acquired operations and continued business development.

Multiple Services Form The Operating Model

Credit Clear combines digital engagement and SaaS technology with collections services and legal support. The group identifies ARMA and ARC Europe among its collections operations and Oakbridge as its legal services business. Its digital systems provide self-service and communication capabilities, while human-led processes address accounts that require additional handling. The company said stronger digital-platform adoption, large-client activity and increased work allocation contributed to organic growth. This model permits service delivery across different stages of a receivable’s life, with revenue coming from several connected activities.

Integration Remains An Operating Priority

Credit Clear is continuing to integrate ARC Europe and DTS alongside growing the digital business and working with larger clients. Its FY26 presentation highlighted increasing Operating Leverage and expanded use of the group’s combined service offering. Future financial releases will show whether continued adoption translates into recurring and service revenue growth. The acquisitions were completed developments contributing to FY26; further client allocations and project activity remain dependent on commercial execution and customer demand.

Credit Clear shares were unchanged to AUD 0.165 on 10 November 2026. The company had a Market Capitalisation of AUD 83.04 mn.