Credit Clear Earnings Call Transcripts
Fiscal Year 2026
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Revenue grew 8% and underlying EBITDA rose 24% year-over-year, driven by focus on existing clients and two strategic acquisitions expanding international reach. Full-year guidance is AUD 57–59 million revenue and AUD 9.5–10.5 million underlying EBITDA, with strong second-half growth expected.
Fiscal Year 2025
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Record FY2025 revenue and EBITDA growth were highlighted, with a strong cash position supporting organic and acquisitive expansion, including the transformative ARC Europe acquisition. Strategic focus remains on technology-driven growth in Australia and the U.K., with robust shareholder engagement and disciplined capital management.
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Revenue rose 12% and underlying EBITDA surged 76% year-over-year, with digital collections now over 80% of consumer payments. FY 2026 guidance targets $50–$52 million revenue and $9–$10 million EBITDA, supported by strong cash reserves and a 10% share buyback.
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Revenue grew 16% to AUD 23.2 million and underlying EBITDA rose 66%, driven by new tier one client wins and strong cash generation. Guidance for FY2025 is reaffirmed, with a robust second half expected as major client onboardings complete.
Fiscal Year 2024
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Revenue and profit margins are up significantly, with strong digital collection growth and robust client onboarding. The company is focused on the Australian market, maintaining tech investment, and expects further margin improvement, while holding off on dividends and international expansion.
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FY24 saw record revenue of AUD 42 million (up 20%) and underlying EBITDA of AUD 4.2 million, with strong cash generation and margin expansion. FY25 guidance targets AUD 48–50 million revenue and over AUD 7 million EBITDA, driven by digital growth, operational leverage, and a robust client base.