Earnings call transcript: Credit Clear lifts FY2026 profit as U.K. push grows

Credit Clear reported a strong FY2026 performance, with revenue rising 28% to AUD 60 million. Organic revenue growth was 9%, driven by acquisitions such as ARC Europe and DTS. Underlying EBITDA increased 41% to AUD 10.5 million, while underlying NPATA expanded 65% to AUD 6.7 million. The company's net cash position stood at AUD 16.9 million, and it revealed a net cash surplus on its balance sheet.

Digital payments grew by 26% organically, and SaaS revenue reached 18% of total revenue. Management guided FY2027 revenue to AUD 73 million to AUD 77 million and EBITDA between AUD 12 million and AUD 14 million. Credit Clear's FY2026 results indicate a business that efficiently converts top-line growth into profit growth. Despite the modest increase, investors responded positively to the earnings growth and outlook for FY2027, but the stock remains significantly below its 52-week high of $0.30.