• Strong earnings growth in FY25 to meet Underlying EBITDA guidance
• Dual expansion of client revenue through new client wins and growth from existing clients
• Cost rationalisation resulting in $2m annualised cost-out

Credit Clear Ltd (ASX: CCR) has confirmed that it is on track to achieve its earnings guidance of Underlying EBITDA of +$7m for the 2025 financial year. While the company's revenue guidance has been revised from $48m-$50m to $46m-$47m due to external timing factors of certain Tier 1 clients, the positive increase in Underlying EBITDA margin has enabled Credit Clear to retain its earnings guidance. The company is reporting an uptrend in dual revenue expansion, with both the acquisition of new clients, including several high-profile Tier 1 clients, and revenue growth from existing clients as they increase the flow of collections to Credit Clear. The company's consistent ability to win new work and grow its client base underscores the value of its award-winning technology and services. Credit Clear continues to attract new Tier 1 clients, with further wins expected to follow the 13 client wins achieved in the 2025 calendar year to date. The company has also combined its operations and technology functions to streamline and enhance its processes, right-size its headcount, and increase productivity, enabling faster decision-making and improved service delivery. These initiatives are expected to realise the full financial year benefits in FY26. The company notes that it is in discussions with potential acquisition targets that align with its growth objectives, and an unsolicited approach from a private equity group, though a near-term buyout is not consistent with the board's current objectives to maximise shareholder value.

Underlying EBITDA of +$7m for the 2025 financial year

The company expects to realise the full financial year benefits of its cost rationalisation initiatives in FY26, and continues to explore organic and inorganic growth opportunities to build significant shareholder value.