Credit Clear Ltd reported a 65% increase in underlying net profit after tax to AUD 6.7 million for the year ended June 30, 2026, as revenue climbed 28% to AUD 60 million.
Underlying EBITDA advanced 41% to AUD 10.5 million, lifting the margin to 17.5% from 15.9% a year earlier. Organic revenue growth contributed AUD 4 million, or 9%, while acquisitions ARC Europe and DTS added AUD 9.1 million. Pro forma 12-month revenue reached AUD 70 million. Underlying earnings per share rose 45% to AUD 0.014.
The company raised AUD 21 million in equity for acquisitions and executed an AUD 8 million share buyback, leaving AUD 17 million in net share capital growth. A new AUD 6 million debt facility with ANZ was established, reducing over three years. Net cash at year-end stood at AUD 16.9 million.
Digital payments revenue grew organically by 26%, with SaaS now representing 18% of total revenue. Management highlighted efficiency gains, including a 3.5-hour daily reduction in email handling per operator in the insurance team. New technologies in development include agentic AI for email management and AI-driven voice systems, with rollout planned for FY2027.
FY2027 guidance calls for revenue of AUD 73-77 million and underlying EBITDA of AUD 12-14 million, implying mid-20% growth. Credit Clear estimates the U.K. market at four times the size of Australia’s home market, positioning it for further expansion.
The company’s share price rose 7.1% to AUD 0.15, trading near the lower end of its 52-week range of AUD 0.10 to AUD 0.30. Market capitalization stood at AUD 478 million, with a P/E ratio of 125.
