Credit Clear Reports 12% Revenue Growth and $7.4m EBITDA in FY25
Credit Clear Limited reported a strong FY25 with 12% revenue growth and a 76% jump in underlying EBITDA, driven by digital innovation and client expansion. The company sets an ambitious FY26 outlook alongside a new share buy-back program.
- 12% revenue growth to $46.9 million in FY25
- Underlying EBITDA up 76% to $7.4 million with margin improvement
- Digital payments increased 20% to $140 million
- Added 182 new clients and expanded Tier-2 client base
- FY26 guidance – $50–52 million revenue and $9–10 million EBITDA
- Announced on-market share buy-back of up to 10%
Robust Financial Performance in FY25
Credit Clear Limited (ASX – CCR), an Australian fintech specialising in digital debt collection, has delivered a standout FY25 result. The company posted $46.9 million in revenue, marking a 12% increase over the previous year. More impressively, underlying EBITDA soared 76% to $7.4 million, lifting margins from 10% to 16%. This performance underscores the scalability of Credit Clear’s technology-driven model amid a competitive landscape.
The company’s cash reserves also strengthened, with $15.6 million on hand as of June 30, 2025, up $2.5 million from FY24. This solid cash position provides flexibility to invest in further digital innovation and pursue market expansion opportunities.
Digital Innovation and Client Growth Drive Momentum
A key growth driver was the 20% rise in direct digital payments to $140 million, reflecting strong adoption particularly among consumer clients. Credit Clear’s AI-powered platform has enhanced collection efficiency and customer engagement, evidenced by a robust Net Promoter Score of +40 from over half a million responses.
The company also expanded its client base significantly, adding 182 new clients during the year. Notably, Tier-2 clients increased from 44 to 52, signaling deeper market penetration. The growing volume and value of debt files referred to Credit Clear point to a promising revenue pipeline.
Positive Outlook and Strategic Capital Management
Looking ahead to FY26, Credit Clear projects revenue between $50 million and $52 million, with underlying EBITDA expected to rise to $9 million–$10 million. These forecasts hinge on the benefits of recent client onboarding investments and continued operating leverage.
In a strategic move to enhance shareholder value, the company announced an on-market share buy-back program for up to 10% of issued capital. This initiative reflects confidence in the company’s fundamentals and commitment to capital discipline.
CEO Andrew Smith highlighted the company’s resilience and growth potential, noting that despite early-year weather disruptions, Credit Clear’s technology-first approach and expanding client relationships have positioned it well to capitalise on ongoing digital transformation trends in debt collection.
Bottom Line?
Credit Clear’s FY25 results and strategic buy-back set the stage for accelerated growth, but execution on client onboarding and market expansion will be critical to sustaining momentum.
Questions in the middle?
- How will Credit Clear manage onboarding costs while improving margins in FY26?
- What impact will the share buy-back have on the company’s stock liquidity and valuation?
- Can Credit Clear maintain its digital payment growth amid evolving competitive pressures?
