Slides
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27 August 2026 FY26 Results Presentation
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© Copyright 2026. All Rights Reserved. 2 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 27 August 2026 and remains subject to change without notice. The information in this presentation is of a general nature provided solely for the purpose of giving you background information about the Company. The provision of this presentation is not a representation to you or any other person that an offer of securities will be made. Any prospective transaction would be undertaken solely on the basis of disclosure documentation prepared in accordance with applicable laws (to the extent required). The information in this presentation may differ materially in both content and presentation from that presented in any disclosure document prepared in connection with any proposed transaction (to the extent required). This presentation does not constitute an offer to issue, or arrange to issue, securities or other financial products. The information contained in this presentation is not investment or financial product advice and is not intended to be used as the basis for making an investment decision. The information has been prepared without taking into account the investment objectives, financial situation or particular need of any particular person. Before making an investment decision, you should consider, with or without the assistance of a financial adviser, whether an investment is appropriate in light of your particular investment needs, objectives and financial circumstances. This presentation is intended for those persons to whom it is delivered personally by or on behalf of the Company. By attending this presentation, you represent and warrant that (i) if you are in Australia, you are a person to whom an offer of securities may be made without a disclosure document (as defined in the Corporations Act 2001 (Cth) (Corporations Act)) on the basis that you are exempt from the disclosure requirements of Part 6D.2 in accordance with s 708(8) or 708(11) of the Corporations Act; if you are outside Australia, you are a person to whom an offer and issue of securities can be made outside Australia without registration, lodgment or approval of a formal disclose document or other filing in accordance with the laws of that foreign jurisdiction. No representation or warranty, express or implied, is made by any person as to the fairness, accuracy, completeness or correctness of the information, opinions and conclusions contained in this presentation. To the maximum extent permitted by law, none of the Company, its directors, employees or agents, nor any other person accepts any liability, including, without limitation, any liability for any loss, claim, damages, costs or expenses of whatever nature (whether or not foreseeable), including, without limitation, any liability arising from fault or negligence on the part of any of them or any other person, for any loss arising from the use of this presentation or its contents or otherwise arising in connection with it or any errors or omission in it. The Company has not independently verified any of the contents of this presentation (including, without limitation, any of the information attributed to third parties). No person is under any obligation to update this presentation at any time after its release to you. This presentation is strictly confidential and is intended for the exclusive benefit of the person to which it is presented. It may not be reproduced, disseminated, quoted or referred to, in whole or in part, without the express consent of the Company. This presentation contains certain forward-looking statements with respect to the financial condition, operations and business of the Company and certain plans and objectives of the Company. Forward-looking statements can be identified by the use of forward-looking terminology, including, without limitation, the terms “believes”, “estimates”, “anticipates”, “expects”, “predicts”, “intends”, “plans”, “targets”, “aims”, “outlook”, “guidance”, “forecasts”, “may”, “will”, “would”, “could” or “should” or, in each case, their negative or other variations or comparable terminology. Such forward looking statements are subject to internal and external risks and uncertainties that may have a material effect on the Company. As such, undue reliance should not be placed on any forward-looking statement. Past performance is no guarantee of future performance. Nothing contained in this presentation should be relied on as a promise, representation, warranty or guarantee whether as to the past, present or future. All references to dollars, cents or $ are a reference to Australian currency, unless otherwise stated. Important Information
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© Copyright 2026. All Rights Reserved. 3 SHORT – TERM DEBT Assisting large enterprise clients turn outstanding debt into recovered revenue. One ecosystem, every path to payment : human, digital and legal LONGER – TERM DEBT Integrated End-to-End Debt Resolution Provider Across Australia and UK • Proprietary, white labelled, AI-powered digital and SaaS platform. • Leveraging automation to transform customer engagement and payments. • Streamlined, high-margin, scalable technology platform • FY26 Acquisition of DTS expands offering to include voice-enabled offering & early-stage collection solutions that deeply integrate with client systems • Revenue derived from fixed SaaS and collection fees. DIGITAL • Market-leading provider of modern, digital- first, customer-centric, contingent debt recovery and accounts receivable management. • Services 500+ corporate clients, providing a pre-built, fully configured tech platform to help scale. • Offering expanded to the UK via FY26 acquisition of ARC Europe. A trusted debt collection agency with a long-standing customer base and access to European markets. • Revenue derived from fees on successful collection of debt. HYBRID • In-house legal escalation and litigation, complementing recovery services with legal expertise and credibility and full-lifecycle coverage. • Provides complex debt recovery and insolvency services to clients requiring deeper intervention. • Revenue derived from professional legal fees. LEGAL SERVICES
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© Copyright 2025. All Rights Reserved. 4 Strong Financial Performance; Ahead of Guidance $60.0m FY26 Revenue +28% on PCP $10.5m Underlying EBITDA 1 +41% on PCP $6.7m Underlying NPATA +65% on PCP Revenue ($m) Underlying EBITDA 1 ($m) Underlying EBITDA Margin 1. Underlying EBITDA excludes share -based expenses and non -core business items Good organic revenue growth, strong initial contributions from acquisitions and operating leverage via CCR’s digital, AI-enabled collections platform 21.0 35.0 42.0 46.9 60.0 FY22 FY23 FY24 FY25 FY26 30.4% CAGR (3.6) 0.2 4.2 7.4 10.5 FY22 FY23 FY24 FY25 FY26 30.0% CAGR -17.1% 0.6% 10.0% 15.9% 17.5% FY22 FY23 FY24 FY25 FY26
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© Copyright 2025. All Rights Reserved. 5 Financial year highlights $60.0m Revenue +28% on PCP 1.4 cps Underlying EPS 1 +45% on PCP $6.7m Underlying NPATA +65% on PCP 1. Underlying Earnings Per Share (EPS) adjusts for the dilution impact of executive incentives 2.Underlying EBITDA excludes share -based expenses and non -core business items Continuation of organic revenue growth with operating leverage at home & strategic acquisitions abroad 17.5% Underlying EBITDA 2 Margin 15.9% in FY25 $8.3m Underlying Operating Cash Flow +25% on PCP $16.9m Net Cash Sound Balance Sheet
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© Copyright 2025. All Rights Reserved. 6 FY26 Revenue Bridge Organic revenue growth of 9%; initial contribution from ARC Europe and DTS acquisitions $47.0m $4.0m $9.1m $60.1m $9.9m $70.0m FY25 Organic Acquisitions (Actual) FY26 Acquisitions (Pro Forma) FY26 (Pro Forma) 1 1. Includes 6-months contribution from ARC Europe and 5 -months contribution from DTS
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© Copyright 2025. All Rights Reserved. 7 FY26 Underlying EBITDA Bridge 1. Underlying EBITDA excludes share -based expenses and non -core business items 2. Includes 6-months contribution from ARC Europe and 5 -months contribution from DTS Organic Underlying EBITDA growth of 17%; initial contribution from ARC Europe and DTS acquisitions $7.5m $1.3m $1.7m $10.5m $1.5m $12.0m FY25 Organic Acquisitions (Actual) FY26 Acquisitions (Pro Forma) FY26 (Pro Forma) 2
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© Copyright 2025. All Rights Reserved. 8 FY26 Underlying EBITDA vs Statutory result FY26 FY25 Commentary $000’s $000’s EBITDA - Underlying Business 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 margin % 17.5% 15.9% Revenue 2,791 29 Acquisition contingent consideration adjustment Expenses (non BAU) (2,392) (2,092) Mainly acquisition related expenses Share Based Expenses (1,695) (1,295) EBITDA (per Statutory Accounts) 9,195 4,105 Depreciation & Amortisation (3,419) (2,941) Interest - Net 191 133 Tax 1,219 5,544 Tax benefit - impact of tax rate increase from 25% to 30% on tax loss DTA. NPATA 7,186 6,841 Amortisation - Acquisitions (2,840) (3,296) Largely related to ARMA acquisition which fully amortises in Feb'27 Net P/(L) - (per Statutory Accounts) 4,346 3,545
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© Copyright 2025. All Rights Reserved. 9 FY26 Underlying NPATA and EPS 1. Underlying EBITDA excludes share -based expenses and non -core business items 2. Includes 6-months contribution from ARC Europe and 5 -months contribution from DTS Growth of 65% in Underlying NPATA and 45% for Underlying EPS $1.2m $1.7m $2.8m $1.8m $2.8m $4.3m $6.7m NPAT Tax LTI Costs Amortisation - IIA's Non Operating - Cash (Tax Adj) Deferred Consideration Adj Underlying NPATA Underlying NPATA Bridge • Underlying NPATA of $6.7m, up 65% • Underlying EPS of 1.4 cents per share (cps), up 45%: o Adjusts for the dilution impact of executive incentives (share rights). • Reported NPAT up 23% to $4.3m. The bridge between reported and underlying picks up the following: o Tax adjusted impact of non - operating costs, largely from the acquisitions in the period. o Fair value of the ARC Europe deferred consideration. o The use of the Group deferred tax asset (ie: no tax payable). o Amortisation of intangibles.
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© Copyright 2026. All Rights Reserved. 10 Strong and Improved Balance sheet • Cash and liquidity position strong and improved. Net cash $16.9m. • Intangible assets increased as a result of ARC Europe and DTS. • New ANZ facility provides basis for funding flexibility for future growth plans. • Share capital increased by a net $17m - raising of $21m for acquisitions, share consideration and $8m in share -buybacks FY2026 FY2025 Cash 22.4 15.7 Working Capital 1.7 -1.1 Total Liquidity 24.1 14.6 Intangible Assets 61.8 43.7 Fixed Assets, Net 4.8 4.0 Deferred Tax Asset 7.4 5.6 Other Assets 1.0 0.9 Debt -5.5 0.0 Other Liabilities -9.0 -4.4 Net Assets 84.6 64.3 Equity Share Capital 119.2 102.7 Reserves 5.5 5.2 Retained Profits -40.1 -43.7 84.6 64.3 Net Cash 16.9 15.7
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© Copyright 2026. All Rights Reserved. 11 Increasing Operating Cashflows • Underlying operating cash up 25% to $8.3m. Adjusts for non -operating costs. • Reported Operating cash up 14% to $6.6m. Good cash conversion. • Investing cash was $14m acquisitions and $2m across capitalised IT costs and PPE. • Financing cash captures net equity and debt capital raising ($25m), offset by share buybacks ($8m) and leases. FY2026 FY2025 Growth Underlying Operating Cash 8.3 6.6 25% Operating Cash 6.6 5.8 14% Investing Cash (16.1) (1.9) Financing Cash 16.2 (1.4) Net Cash 6.7 2.5 Opening 15.7 13.1 Closing 22.4 15.7
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© Copyright 2025. All Rights Reserved. 12 A trusted partner in highly regulated and diverse industries, engaging millions of end customers UK & EUROPE AUSTRALIA & NEW ZEALAND U.S & CANADA A strong foothold in Australia & NZ, with growing international presence via recent acquisitions A leading debt resolution provider with world-class clients
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© Copyright 2025. All Rights Reserved. 13 Movement to higher margin digital channels Growth in digital payments continues to outperform other channels • 26% increase in FY26 direct digital payments to $176m (FY25: $140m) • 23% increase in FY26 number of active debt files referred for digital treatment, to 6.4m (FY25: 5.2m) • The transition to high -margin digital payments supports the growth of 41% in Underlying EBITDA and 17.5% Underlying EBITDA margin. • Software (SaaS) revenue now accounts for 18% of company revenue after the acquisitions of ARC Europe & DTS. • The ability to sweep out lower value debts with self -service digital enhances margin and increases competitiveness on client panels. CCR’s Digital Collection Payments 1 ($m) 46.7% CAGR 1. Does not include Digital Collection Payments from FY26 acquisitions of ARC Europe or DTS 38 71 116 140 176 FY22 FY23 FY24 FY25 FY26
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© Copyright 2025. All Rights Reserved. 14 Automation and AI allowing the business to scale without significant increase in headcount C O M M U N I C A T I O N S S E L F S E R V I C E D A T A D I G I T A L V O I C E C H A T H U M A N D O C U M E N T S EMAIL ONLINE PORTAL DIGITAL ASSIST CALL CENTRE ARI VOICE AGENT DATA AUGMENTATION ARI SMS AGENT ARI EMAIL AGENT ARI CHAT AGENT ⚫ SEC U RI TY ⚫ C O M P L I A N C E ⚫ A N A L Y T I C S ⚫ O P T I M I SATIO N ⚫ O R C H E S T R A T I O N AI and automation now adding to operational leverage • AI tools automate and add value to administrative tasks (e.g. reporting call assessments) so teams can focus on collections. • Significant operator time is spent drafting emails and writing notes – this will now meaningfully reduce. • Improvements in accessibility and customer experience. • AI voice technology being explored - could reduce associated call and compliance costs further. The opportunity ARI Roadmap A DIGITAL ASSISTANT FOR RECOVERY MANAGERS ARI (Adaptive Resolution Intelligence) • Enables the deployment of modern technologies without the need to replatform. • An AI digital assistant building and continually optimising recovery strategies to drive efficiencies and increased profitability. • AI chooses best channel by both customer conversion and cost. • ARI AI Optimisation could deliver reduction in calls and SMS costs by reducing waste.
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© Copyright 2026. All Rights Reserved. 15 • Well-established, UK-based debt collection agency, with 25-year track record. • Tech roadmap agreed for ARC enhancements including DTS solutions and advanced analytics to boost productivity & collection rates. • Financial integration complete. • ARC was awarded ‘Collections & Recoveries service provider of the Year’ at Credit Week June 2026. ARC Europe update Represents Credit Clear's entry into the UK and European collections markets (Acquired January 2026) $m As Announced 2026 Annualised Revenue 8.8 9.6 EBITDA 1.2 1.6 EBITDA Margin 13.6% 16.7% Outlook Currently onboarding a new Tier 1 client, go live in September. Discussions ongoing to cross sell Credit Clear digital solutions to existing ARC clients. Sales pipeline opportunities are significant with number of blue - chip, corporate clients.
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© Copyright 2026. All Rights Reserved. 16 • Specialist in early-stage digital collections. • Allowing interaction through voice-enabled, self-service digital payments and collections. • First party, fee for service model. Embedded platform leads to strong recurring income. • Blue chip customer base in UK & ANZ. DTS update Global SaaS provider of collections platform for blue chip client base (Acquired February 2026) $m As Announced 2026 Annualised Revenue 10.0 9.5 EBITDA 1.2 1.7 EBITDA Margin 12.0% 17.9% Outlook Stronger sales and growth focus under new management. Develop cross sell opportunities via group companies. Simplification of infrastructure to improve EBITDA. Integration with CCR platform for voice capabilities.
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© Copyright 2026. All Rights Reserved. 17 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. Credit Clear continues to deny the allegations of contraventions of the Australian Consumer Law and intend to defend the proceedings. The initial Federal Court case management hearing occurred on 31st July. Various procedural orders were made as follows by th e Court: • ACCC to provide further and better particulars and make any necessary amendments to the Concise Statement by 14th August. • ARMA and Force Legal to file and serve their Concise Statements in response by 18th September. • Further case management hearing on 16th October 2026. • The matter has not impacted our financial results in a material manner at this time .
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© Copyright 2026. All Rights Reserved. 18 FY27 Market Outlook • Revenue expected in a range between $73.0m -77.0m. • Underlying EBITDA is expected in a range between $12.0m -14.0m. • In line with prior periods, CCR expects seasonality of both revenue and earnings, weighted toward the second half. • The above guidance assumes no material operational impact from the ACCC proceeding. FY27 Guidance Growth • Expanded AU/UK sales capability to drive SaaS and BPO growth, and disciplined acquisition integration to fuel geographic expansion • Continued integration and deployment of AI technology and SaaS platform across the Company’s debt resolution teams • Growth supported by sales pipeline and growing share of wallet with cross-selling opportunities specifically in the UK
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© Copyright 2026. All Rights Reserved. 19 Investment summary Key attributes underpinning future growth Blue-Chip Customer Base A large, growing and diverse blue- chip customer base Repeatable Organic Growth Enhancing financial & customer outcomes drives loyalty and leads to repeatable revenue growth Geographic Expansion Entry into UK market, estimated to be 4x domestic debt collection market Operating Leverage Momentum Increasing digital collections, AI based tools and operational enhancements supporting EBITDA growth at a faster rate than revenue Domestic market opportunity Continued growth opportunities across digital and traditional channels, particularly in banking, insurance and utilities Strengthened Capital Position Operating cash flow improvements and a strong balance sheet support future expansion Experienced Team A dedicated and talented executive and senior leadership team that are committed to driving the business forward
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© Copyright 2026. All Rights Reserved. 20 Joshua Reid Credit Clear E: investorrelations@creditclear.com.au Executive Director Melanie Singh Credit Clear e: melanie@nwrcommunications.com.au m: +61 439 748 819 Investor Relations