Fund Manager Summary
The fund managers believe that Credit Clear Ltd presents a compelling investment opportunity due to its innovative fintech solutions in the debt collection sector. In their opinion, the company's digital platform offers significant scalability advantages and has the potential to disrupt traditional debt collection methods. They emphasize that Credit Clear's approach to debt resolution, which leverages digital engagement, enhances operational efficiency and cost reduction. The fund managers are optimistic about the company's prospects, noting that it is on track to generate its first profit this year while trading at an attractive 10x FY26e EV/EBITDA. They project strong growth through FY28, making it a noteworthy consideration for investors.
Source: Trading View
Commentary From The Managers
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Tamim Funds Management
19 Nov 2025
$0.26
Summary
- Credit Clear (ASX: CCR) is positioned uniquely at the intersection of financial services, technology, and business process optimisation.
- The company's strategy focuses on modernising the collections industry, which is ripe for digitisation and operational improvement.
- The recent acquisition of ARC Europe illustrates Credit Clear's strategic positioning, bringing in $8.8 million in revenue and $1.24 million in EBITDA.
- The transaction price of $10.9 million is rational at approximately 7.2 times forward EBITDA and is expected to be accretive in year one.
- This acquisition helps build scale without diluting shareholder value.
- ARC provides a launchpad for applying Credit Clear's digital collections platform to a larger, more mature market.
- Potential improvements in efficiency and customer engagement could lead to significant revenue expansions and improved margins.
- The company raised $20.75 million in a placement at $0.25 per share, with significant personal investment from the chair.
- Insider alignment is a strong positive indicator in small cap investing, reflecting confidence in long-term value creation.
- Credit Clear has a track record of leveraging acquisitions for broader operational efficiencies in a fragmented collections industry.
- A scalable modern digital platform can be integrated across multiple regions and verticals.
- If management executes well, Credit Clear could evolve into a larger, more diversified operator over the medium term.
- Investors may underestimate the value of a well-executed M&A strategy, especially under experienced leadership.
- Credit Clear is in the early stages of its growth journey, with strategies suggesting a deliberate pathway to significant growth.
- The company has the potential to compound quietly and emerge as a larger entity as market attention increases.
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Please note: The completeness, accuracy or current status of the investments referenced are not guaranteed.
Commentary From The Managers
Tamim Funds Management
19 Nov 2025
$0.26
- Credit Clear (ASX: CCR) is positioned uniquely at the intersection of financial services, technology, and business process optimisation.
- The company's strategy focuses on modernising the collections industry, which is ripe for digitisation and operational improvement.
- The recent acquisition of ARC Europe illustrates Credit Clear's strategic positioning, bringing in $8.8 million in revenue and $1.24 million in EBITDA.
- The transaction price of $10.9 million is rational at approximately 7.2 times forward EBITDA and is expected to be accretive in year one.
- This acquisition helps build scale without diluting shareholder value.
- ARC provides a launchpad for applying Credit Clear's digital collections platform to a larger, more mature market.
- Potential improvements in efficiency and customer engagement could lead to significant revenue expansions and improved margins.
- The company raised $20.75 million in a placement at $0.25 per share, with significant personal investment from the chair.
- Insider alignment is a strong positive indicator in small cap investing, reflecting confidence in long-term value creation.
- Credit Clear has a track record of leveraging acquisitions for broader operational efficiencies in a fragmented collections industry.
- A scalable modern digital platform can be integrated across multiple regions and verticals.
- If management executes well, Credit Clear could evolve into a larger, more diversified operator over the medium term.
- Investors may underestimate the value of a well-executed M&A strategy, especially under experienced leadership.
- Credit Clear is in the early stages of its growth journey, with strategies suggesting a deliberate pathway to significant growth.
- The company has the potential to compound quietly and emerge as a larger entity as market attention increases.
Summary
Tamim Funds Management
31 Oct 2025
$0.29
- Credit Clear Ltd (ASX: CCR) has agreed to acquire UK-based ARC Europe for A$10.9m, reflecting a multiple of 7.2x FY25 EV/EBITDA.
- The acquisition structure includes $6.8m cash, $1.8m in net assets cash, $2.3m in escrowed shares, and an EBITDA-based earn-out over two years.
- ARC contributes $8.8m in revenue and $1.24m EBITDA, enhancing CCR's scale in the UK debt collection market.
- The acquisition is expected to be EPS-accretive in year one, facilitating digital platform integration and operational efficiencies.
- A $20.75m placement at $0.25/share will fund the acquisition and future growth, with Chair Paul Dwyer investing $8m himself.
- The strategic rationale for the deal is strong, and the Chair's significant investment supports its validity.
- Looking ahead, Tamim Funds Management anticipates further M&A activity next year, given the Chair's successful track record with companies like PSC Insurance and COG.
- There is an expectation that other funds will follow suit and invest in Credit Clear.
Summary
Cyan Investment Management
31 Oct 2025
$0.29
- Cyan Investment Management continues to hold its position in Credit Clear Ltd (CCR) following recent developments.
- Credit Clear's stock rose by 10% after announcing a significant UK acquisition and a $20m capital raising.
- The acquisition of ARC Europe is expected to generate an additional $9m in revenue and $1.2m in EBITDA.
- This acquisition serves as a strategic entry point for CCR to expand its presence in the UK market.
- Confidence in the company is underscored by Chair Paul Dwyer (of PSC Insurance), who invested $8m in the placement, becoming a major shareholder.
- The Cyan C3G Fund received shares in the placement, contributing positively to the fund's monthly return.
Summary
Tamim Funds Management
4 Sept 2025
$0.23
- Credit Clear (ASX: CCR) adopts a digital-first approach in debt collection, integrating AI and behavioural analytics.
- The platform effectively serves both B2B and B2C collections, making significant progress in the insurance and financial services sectors.
- In FY25, Credit Clear achieved record revenue of $46.9 million (+12% YoY) and an underlying EBITDA of $7.4 million (+76% YoY).
- June marked a record month for the company, supported by multi-year contracts with leading insurers, enhancing forward visibility.
- EBITDA margins have surpassed 16%, and the company has a solid cash position of $15.6 million.
- Projected FY26 revenue is estimated between $52–54 million with EBITDA expected to reach $11–12 million.
- The debt collection sector is poised for consolidation, attracting interest from private equity and larger incumbents due to CCR’s strong digital capabilities and loyal client base.
Summary
Tamim Funds Management
31 July 2025
$0.26
- Credit Clear Limited (ASX: CCR) reported strong unaudited FY25 financial results.
- Underlying EBITDA rose 76% to $7.4 million, surpassing guidance.
- Revenue reached a record $46.9 million, up 12% from FY24.
- Growth driven by robust June 2025 performance and increased adoption of its digital collections platform.
- EBITDA margins improved to 16% from 10%, reflecting enhanced operating efficiency and cost control.
- Maintained a solid $15.6 million cash balance, supporting strategic growth.
- Secured multi-year contracts with two major insurers, capturing 100% of their digital debt recovery budgets.
- Management indicated FY26 is set up for growth, estimating $52-$54 million in revenue and $11-$12 million in EBITDA.
- The sector is experiencing M&A interest, with expectations for CCR to be involved in future deals.
Summary
Cyan Investment Management
2 June 2025
$0.23
- Credit Clear (CCR) is a digital-first debt collection platform.
- It replaces traditional aggressive tactics with technology-enabled, “soft touch” communication methods such as texts, emails, and WhatsApp.
- CCR services large corporate clients including Suncorp, Allianz, and Vodafone.
- Cyan Investment Management continues to hold because CCR is well-positioned in a tough economic environment.
- There is an increasing need for efficient receivables management as individuals are slower to pay their bills.
Summary
Endeavor Asset Management
28 Feb 2025
$0.28
- Credit Clear (CCR) has released its 1H25 results, aligning with preliminary figures from January.
- Despite meeting expectations, the lack of a guidance upgrade resulted in a share price decline.
- CCR is well-positioned for EBITDA margin expansion as new client onboarding nears completion.
- The business is expected to benefit from economies of scale, anticipating double-digit revenue growth while nearly 40% of operating expenses remain fixed.
- Increased digital collections should further improve efficiency.
- CCR is on track for its first profit this year, driven by ~17% revenue growth.
- The company appears undervalued at 14x FY26 P/E.
Summary
Monash Investors
31 Oct 2024
$0.31
- Credit Clear operates an AI-driven receivables management platform, providing collection and account management solutions to major Australian companies in regulated industries.
- The service enables businesses to outsource collections, reduce delinquency, and enhance client engagement through effective debt management.
- Despite facing challenges in recent years, Credit Clear has been refining its platform and focusing on growth that is now becoming evident.
- A growing number of leading companies are adopting the platform, creating high switching costs for clients and establishing a valuable repeat-business model.
- While new client relationships initially generate losses, profitability is expected to improve as these relationships mature.
- The current growth trajectory, although masking underlying profitability, indicates that as growth continues, profitability will expand.
- The market is starting to acknowledge this inflection point, positioning Credit Clear as a strong prospect for future success.
- Monash Investors continues to hold because the case for investment becomes increasingly compelling as Credit Clear solidifies its presence in the market.
Summary
Cyan Investment Management
31 Oct 2024
$0.31
- Cyan Investment Management entered a new position in Credit Clear Ltd (CCR), a debt collection company.
- Credit Clear has significantly transformed since acquiring customer debt servicing business ARMA.
- Unlike traditional debt collection firms, Credit Clear collaborates with tier-1 clients, including telcos and energy companies.
- The company utilizes AI and machine learning systems to manage outstanding debts effectively.
- As a result, Credit Clear achieves strong net promoter scores (NPS) and maintains sustained revenue growth.
- Recently, the company confirmed expectations to meet or exceed previous revenue guidance growth of ~20%.
Summary
Endeavor Asset Management
30 Sept 2024
$0.32
- Endeavor Asset Management initiated a position in Credit Clear (CCR), a fintech company with a digital debt collection platform.
- The technology has the potential to disrupt the traditional debt collection industry.
- Credit Clear offers significant scalability advantages through its innovative approach.
- The platform leverages digital engagement, enhancing efficiency and reducing costs.
- Endeavor Asset Management anticipates significant growth for CCR in the coming years.
- The company is projected to generate its first profit this year.
- CCR is currently trading at an attractive 10x FY26e EV/EBITDA.
- Strong growth is expected through FY28.
Summary
Please note: The completeness, accuracy or current status of the investments referenced are not guaranteed.
ANALYST INSIGHT
Equity Research Analyst
"It appears Credit Clear Ltd is poised to disrupt the debt collection landscape with its innovative fintech approach, potentially unlocking significant growth and profitability in the coming years. At a compelling valuation, the stage seems set for a transformative journey ahead."
Last Updated: 19 Nov 2025
Query The Data
Frequently Asked Questions
Who is investing in Credit Clear Ltd (ASX:CCR)?
Fund managers including Endeavor Asset Management, Cyan Investment Management, Monash Investors and Tamim Funds Management have invested in Credit Clear Ltd (ASX:CCR).
Why do fund managers invest in Credit Clear Ltd?
Fund managers are investing in Credit Clear Ltd due to its innovative digital debt collection platform, which is poised to disrupt the traditional debt collection industry. The technology offers scalability, efficiency, and cost reduction, positioning the company for significant growth. With expectations of generating its first profit this year and an attractive valuation of 10x FY26e EV/EBITDA, Credit Clear is projected to experience strong growth through FY28.
What happened to Credit Clear Ltd (ASX:CCR)?
Fund managers are investing in Credit Clear Ltd (ASX: CCR) due to its strong financial performance, evidenced by a 76% increase in underlying EBITDA and record revenue of $46.9 million for FY25. The company's digital-first approach to debt collection, leveraging AI and behavioral analytics, positions it well in the growing financial services sector. Recent multi-year contracts with major insurers enhance revenue visibility and market position. The strategic acquisition of ARC Europe is expected to boost operational efficiency and expand CCR's footprint in the UK market. With a solid cash balance and a proactive M&A strategy, fund managers see significant growth potential in CCR.