Delivering for our investors
Profitable, growing and increasingly diversified
High-growth marketplace
The marketplace works as an algorithmic matching engine, with pre-approved offers and exclusive lender products, balancing permissioned, proprietary data with deep partner integrations. The result is that ClearScore is the UK's number one credit score and report app, with the marketplace as the revenue generator.
The profitable core growth engine delivers consistent cohort behaviour, driving compounding, predictable revenue. In 2025, our Home Lending business grew by over 240%.
Expanding beyond our core marketplace
The 2025 acquisition of Aro Finance helped us strengthen our position in embedded finance and home lending. We leveraged the acquisition to launch ClearScore Everywhere, thus externalising our marketplace and extending our brand through a network of embedded finance partners.
Our subsequent acquisition (early 2026) of Acre, the mortgage broker CRM and product-sourcing platform, has given us significant inroads in mortgages. This is an area where we see significant future growth.
Leading the credit industry into the AI era
We are expanding the use of AI across the Group. In 2026, we introduced the world's first Agentic Credit Broking Protocol, a new set of open-source, industry-wide standards that enable AI agents to conduct credit broking on behalf of users, while maintaining regulatory compliance for lenders.
We also launched our first consumer-facing ChatGPT app, helping people understand credit and make more informed financial decisions before they take any action that could affect their credit score, as well as Caisey, our in-app AI assistant.
Scaling across four continents
Our international markets of South Africa, Australia, New Zealand and Canada represent significant near-term growth potential. With over 9m users and £39m revenue in 2025, we are already the number one credit app in almost all our markets.
We have a proven international playbook, with one product approach, one business model and one tech stack.
CEO snapshot
"2025 was a defining year for ClearScore. We delivered record growth, significantly increased profitability and expanded our reach to more than 25 million users globally.
"What's particularly exciting is that we achieved this while continuing to invest heavily in the future, rolling out AI capabilities across the business and expanding into adjacent categories through acquisitions like Aro Finance and Acre. We laid strong foundations internationally and have great momentum in the business as we continue to build as a global leader in financial marketplaces."
Justin Basini, Co-founder and CEO
CFO view
"ClearScore is a unique high-growth marketplace and an anchor brand in the markets where we operate. We are an integral layer of the fintech ecosystem, powering other financial services providers with our technology and data platforms. Our platforms provide open banking business services, embedded finance, mortgage broker software and automated debt consolidation technology that help our partners serve their customers better and manage distribution at scale. Our marketplace model is delivering consistent cohort behaviour and driving compounding, predictable revenue."
Brian Cole, Chief Financial Officer
Investors
We are backed by some of the best VCs in the business
QED invests in pragmatic disruptors who are the future of finance
QED
Invus Opps is focused on partnering with market-leading management teams and investors in private transactions globally
Invus
Lead Edge Capital invests in private and public software, internet, consumer, and tech-enabled services businesses
Lead Edge
Delivering for our investors
Profitable, growing and increasingly diversified
High-growth marketplace
The marketplace works as an algorithmic matching engine, with pre-approved offers and exclusive lender products, balancing permissioned, proprietary data with deep partner integrations. The result is that ClearScore is the UK's number one credit score and report app, with the marketplace as the revenue generator.
The profitable core growth engine delivers consistent cohort behaviour, driving compounding, predictable revenue. In 2025, our Home Lending business grew by over 240%.
Expanding beyond our core marketplace
The 2025 acquisition of Aro Finance helped us strengthen our position in embedded finance and home lending. We leveraged the acquisition to launch ClearScore Everywhere, thus externalising our marketplace and extending our brand through a network of embedded finance partners.
Our subsequent acquisition (early 2026) of Acre, the mortgage broker CRM and product-sourcing platform, has given us significant inroads in mortgages. This is an area where we see significant future growth.
Leading the credit industry into the AI era
We are expanding the use of AI across the Group. In 2026, we introduced the world's first Agentic Credit Broking Protocol, a new set of open-source, industry-wide standards that enable AI agents to conduct credit broking on behalf of users, while maintaining regulatory compliance for lenders.
We also launched our first consumer-facing ChatGPT app, helping people understand credit and make more informed financial decisions before they take any action that could affect their credit score, as well as Caisey, our in-app AI assistant.
Scaling across four continents
Our international markets of South Africa, Australia, New Zealand and Canada represent significant near-term growth potential. With over 9m users and £39m revenue in 2025, we are already the number one credit app in almost all our markets.
We have a proven international playbook, with one product approach, one business model and one tech stack.
CEO snapshot
"2025 was a defining year for ClearScore. We delivered record growth, significantly increased profitability and expanded our reach to more than 25 million users globally.
"What's particularly exciting is that we achieved this while continuing to invest heavily in the future, rolling out AI capabilities across the business and expanding into adjacent categories through acquisitions like Aro Finance and Acre. We laid strong foundations internationally and have great momentum in the business as we continue to build as a global leader in financial marketplaces."
Justin Basini, Co-founder and CEO
CFO view
"ClearScore is a unique high-growth marketplace and an anchor brand in the markets where we operate. We are an integral layer of the fintech ecosystem, powering other financial services providers with our technology and data platforms. Our platforms provide open banking business services, embedded finance, mortgage broker software and automated debt consolidation technology that help our partners serve their customers better and manage distribution at scale. Our marketplace model is delivering consistent cohort behaviour and driving compounding, predictable revenue."
Brian Cole, Chief Financial Officer
Investors
We are backed by some of the best VCs in the business
QED invests in pragmatic disruptors who are the future of finance
QED
Invus Opps is focused on partnering with market-leading management teams and investors in private transactions globally
Invus
Lead Edge Capital invests in private and public software, internet, consumer, and tech-enabled services businesses
Lead Edge
Delivering for our investors
Profitable, growing and increasingly diversified
High-growth marketplace
The marketplace works as an algorithmic matching engine, with pre-approved offers and exclusive lender products, balancing permissioned, proprietary data with deep partner integrations. The result is that ClearScore is the UK's number one credit score and report app, with the marketplace as the revenue generator.
The profitable core growth engine delivers consistent cohort behaviour, driving compounding, predictable revenue. In 2025, our Home Lending business grew by over 240%.
Expanding beyond our core marketplace
The 2025 acquisition of Aro Finance helped us strengthen our position in embedded finance and home lending. We leveraged the acquisition to launch ClearScore Everywhere, thus externalising our marketplace and extending our brand through a network of embedded finance partners.
Our subsequent acquisition (early 2026) of Acre, the mortgage broker CRM and product-sourcing platform, has given us significant inroads in mortgages. This is an area where we see significant future growth.
Leading the credit industry into the AI era
We are expanding the use of AI across the Group. In 2026, we introduced the world's first Agentic Credit Broking Protocol, a new set of open-source, industry-wide standards that enable AI agents to conduct credit broking on behalf of users, while maintaining regulatory compliance for lenders.
We also launched our first consumer-facing ChatGPT app, helping people understand credit and make more informed financial decisions before they take any action that could affect their credit score, as well as Caisey, our in-app AI assistant.
Scaling across four continents
Our international markets of South Africa, Australia, New Zealand and Canada represent significant near-term growth potential. With over 9m users and £39m revenue in 2025, we are already the number one credit app in almost all our markets.
We have a proven international playbook, with one product approach, one business model and one tech stack.
CEO snapshot
"2025 was a defining year for ClearScore. We delivered record growth, significantly increased profitability and expanded our reach to more than 25 million users globally.
"What's particularly exciting is that we achieved this while continuing to invest heavily in the future, rolling out AI capabilities across the business and expanding into adjacent categories through acquisitions like Aro Finance and Acre. We laid strong foundations internationally and have great momentum in the business as we continue to build as a global leader in financial marketplaces."
Justin Basini, Co-founder and CEO
CFO view
"ClearScore is a unique high-growth marketplace and an anchor brand in the markets where we operate. We are an integral layer of the fintech ecosystem, powering other financial services providers with our technology and data platforms. Our platforms provide open banking business services, embedded finance, mortgage broker software and automated debt consolidation technology that help our partners serve their customers better and manage distribution at scale. Our marketplace model is delivering consistent cohort behaviour and driving compounding, predictable revenue."
Brian Cole, Chief Financial Officer
Investors
We are backed by some of the best VCs in the business
QED invests in pragmatic disruptors who are the future of finance
QED
Invus Opps is focused on partnering with market-leading management teams and investors in private transactions globally
Invus
Lead Edge Capital invests in private and public software, internet, consumer, and tech-enabled services businesses
Lead Edge
Delivering for our investors
Profitable, growing and increasingly diversified
High-growth marketplace
The marketplace works as an algorithmic matching engine, with pre-approved offers and exclusive lender products, balancing permissioned, proprietary data with deep partner integrations. The result is that ClearScore is the UK's number one credit score and report app, with the marketplace as the revenue generator.
The profitable core growth engine delivers consistent cohort behaviour, driving compounding, predictable revenue. In 2025, our Home Lending business grew by over 240%.
Expanding beyond our core marketplace
The 2025 acquisition of Aro Finance helped us strengthen our position in embedded finance and home lending. We leveraged the acquisition to launch ClearScore Everywhere, thus externalising our marketplace and extending our brand through a network of embedded finance partners.
Our subsequent acquisition (early 2026) of Acre, the mortgage broker CRM and product-sourcing platform, has given us significant inroads in mortgages. This is an area where we see significant future growth.
Leading the credit industry into the AI era
We are expanding the use of AI across the Group. In 2026, we introduced the world's first Agentic Credit Broking Protocol, a new set of open-source, industry-wide standards that enable AI agents to conduct credit broking on behalf of users, while maintaining regulatory compliance for lenders.
We also launched our first consumer-facing ChatGPT app, helping people understand credit and make more informed financial decisions before they take any action that could affect their credit score, as well as Caisey, our in-app AI assistant.
Scaling across four continents
Our international markets of South Africa, Australia, New Zealand and Canada represent significant near-term growth potential. With over 9m users and £39m revenue in 2025, we are already the number one credit app in almost all our markets.
We have a proven international playbook, with one product approach, one business model and one tech stack.
CEO snapshot
"2025 was a defining year for ClearScore. We delivered record growth, significantly increased profitability and expanded our reach to more than 25 million users globally.
"What's particularly exciting is that we achieved this while continuing to invest heavily in the future, rolling out AI capabilities across the business and expanding into adjacent categories through acquisitions like Aro Finance and Acre. We laid strong foundations internationally and have great momentum in the business as we continue to build as a global leader in financial marketplaces."
Justin Basini, Co-founder and CEO
CFO view
"ClearScore is a unique high-growth marketplace and an anchor brand in the markets where we operate. We are an integral layer of the fintech ecosystem, powering other financial services providers with our technology and data platforms. Our platforms provide open banking business services, embedded finance, mortgage broker software and automated debt consolidation technology that help our partners serve their customers better and manage distribution at scale. Our marketplace model is delivering consistent cohort behaviour and driving compounding, predictable revenue."
Brian Cole, Chief Financial Officer
Investors
We are backed by some of the best VCs in the business
QED invests in pragmatic disruptors who are the future of finance
QED
Invus Opps is focused on partnering with market-leading management teams and investors in private transactions globally
Invus
Lead Edge Capital invests in private and public software, internet, consumer, and tech-enabled services businesses
Lead Edge