Credit Clear (ASX:CCR) announced its financial results for the first half of the 2026 financial year, highlighting a shift towards digital debt recovery.
The company reported revenue of $25 million, representing an 8% increase over the prior corresponding period.
The growth was largely propelled by a 29% surge in direct digital payments, which reached $84.4 million, alongside a 30% rise in active debt files referred to the platform.
Profitability metrics also showed marked improvement, with underlying EBITDA rising 24% to $3.6 million.
The result was supported by a shift in the channel mix toward higher-margin digital collections and disciplined cost management, pushing EBITDA margins up to 14%.
While gross margins remained relatively stable at 53%, the company's focus on automation and "share of wallet" expansion continues to bolster its bottom line.
The company maintains a robust position with $20.9 million in cash at bank, a $7.1 million increase from the previous year.
The capital provides the flexibility required to integrate recent international and domestic acquisitions, including ARC Europe in the UK and illion Digital Tech Solutions.
Credit Clear has provided an optimistic FY26 outlook, forecasting full-year revenue between $57 million and $59 million.
At the time of reporting, Credit Clear's share price was $0.22.