One Click Group Limited (ASX:1CG) Announces Significant User Growth and Operational Efficiency

One Click Group Limited (ASX:1CG) has reported significant user growth metrics in 2025, adding over 50,000 new registered users year-to-date whilst simultaneously reducing customer acquisition costs by 20%. The Australian fintech platform now boasts more than 220,000 registered users, representing a substantial acceleration in the One Click Group user growth for the company, as detailed in this recent investor update.

The company achieved this milestone 9% faster than the previous year, demonstrating the effectiveness of its refined digital marketing approach and growing organic presence. Starting 2025 with 170,000 users, the One Click Life platform crossed the 200,000 user mark in July before reaching 220,000 users by the end of October.

Key Performance Metrics Indicate Strong Operational Leverage

The substantial user growth stems from three core operational pillars that One Click Group has developed over several years: a mature digital marketing approach, strong organic presence, and scale of existing user base referrals. These factors have created a robust combination that enables the company to acquire users more efficiently whilst expanding its reach.

The One Click Group user growth demonstrates the platform’s ability to scale effectively within the competitive Australian fintech landscape. This achievement positions the company advantageously as consumer demand for digital financial services continues to expand.

What Strategies Are Driving One Click Group’s Fintech User Growth?

Managing Director Mark Waller commented on the platform’s resilience, noting: “We are pleased with the current growth rates in registered user numbers. We usually see a reduction to the rate of growth towards the end of October, however this year with the benefit of the investment in our organic growth strategy over prior years, we’re seeing an increase in the rate of growth.”

The company has been building its digital presence over several years alongside its user base, which now exceeds 220,000. This multi-year investment approach has created sustainable growth engines that continue to deliver results even during traditionally slower periods, showcasing effective fintech user growth strategies.

User growth remains strong with new users signing up to gain access to the company’s Online Tax and Cash Advance products. The platform’s dual product offering is creating potent cross-selling opportunities, with new users accessing both services and driving higher lifetime value.

Furthermore, the mature digital marketing approach has enabled One Click Group to optimise campaign performance across multiple channels. Years of data collection have refined targeting parameters, reducing wasteful advertising expenditure whilst improving conversion rates. This data-driven approach contributes significantly to both the accelerated growth rate and reduced acquisition costs.

How Did One Click Group Achieve Lower Customer Acquisition Costs?

The 20% reduction in customer acquisition costs represents a significant operational achievement for One Click Group, demonstrating the effectiveness of its organic growth strategy. This cost efficiency improvement stems from several key factors that have matured over time.

Digital Marketing Maturation: Years of data collection and campaign optimisation have created a more targeted and efficient marketing approach. The company’s mature digital marketing approach reduces wasteful spending on low-converting channels whilst maximising return on investment.

Organic Growth Engine: Enhanced search engine optimisation and content marketing approaches are attracting users without paid advertising costs. This strong organic presence improves the overall cost-per-acquisition metric by reducing reliance on expensive paid channels.

Network Effects: As the user base scales beyond 220,000 users, referrals from existing users contribute a higher percentage of new acquisitions. This scale of existing user base referrals creates a self-reinforcing growth cycle that becomes more cost-effective over time.

Understanding Customer Acquisition Costs in Fintech

In the fintech industry, Customer Acquisition Cost (CAC) measures the total cost of acquiring a new customer, including marketing spend, sales efforts, and operational overhead. A 20% reduction in CAC whilst simultaneously increasing user volume indicates strong operational leverage and platform maturity.

For investors analysing fintech companies, this metric directly impacts profitability potential. Lower acquisition costs combined with higher user lifetime value create sustainable competitive advantages and improved unit economics that support long-term growth.

The One Click Group user growth becomes even more impressive when considering the simultaneous reduction in acquisition costs. This dual achievement suggests the platform has reached an inflection point where operational efficiency gains compound growth momentum.

What Cross-Selling Opportunities Drive One Click Life Platform Revenue?

One Click Group’s expansion beyond tax services into cash advances represents a deliberate evolution towards becoming an extensive financial life administration platform. The company positions itself as the “one stop shop for everyday Australians who want to manage their financial life admin across tax, wills, insurance, mortgages, investing and more.”

Mark Waller commented on the cross-selling approach: “New users are creating accounts to access our Online Tax and Cash Advance products. We’re seeing cross sell from both products which is ultimately the company’s growth strategy. Although early days for our Cash Advance product, we see a significant growth opportunity from new users signing up for this product both from providing cash advances and cross sell into our tax product.”

Current and Planned Product Portfolio

Currently Available:

• Online Tax
• Cash Advance
• Online Wills
• Private Health Insurance

Future Additions:

• Mortgage services
• Investment products
• Additional insurance offerings

The cross-selling approach between tax and cash advance products shows early promise, with users accessing multiple services within the One Click Life ecosystem. This approach reduces customer acquisition costs for additional products whilst increasing average revenue per user.

Moreover, the tax preparation cycle creates natural engagement touchpoints where users can be introduced to complementary financial products. This timing advantage maximises cross-selling conversion opportunities whilst enhancing user lifetime value across the platform.

Why Should Investors Monitor One Click Group’s User Growth?

One Click Group presents compelling operational metrics that demonstrate both growth and efficiency improvements. The combination of accelerating user growth and reducing acquisition costs indicates strong platform maturity and operational leverage for this ASX fintech company.

Investment Thesis Considerations

The Australian fintech sector continues expanding as consumers increasingly adopt online financial management tools. One Click Group’s defensive revenue streams, including predictable annual tax cycles and higher-margin cash advance transactions, provide revenue stability alongside growth potential.

Platform Network Effects: As the user base grows, referral acquisition becomes more cost-effective, creating sustainable competitive advantages. This dynamic supports continued growth whilst maintaining or improving acquisition economics.

The company’s market capitalisation of approximately $14.4 million with 1.31 billion shares on issue and cash position of $1.79 million as of late October 2025 provides context for evaluating growth potential. The One Click Group user growth suggests the platform may be approaching profitability inflection points that could positively impact valuation metrics.

What Key Metrics Should Investors Track for One Click Group?

The company’s Q4 2025 performance will provide crucial insights into whether the accelerated October growth rates can be sustained through traditionally slower periods. Several key catalysts merit close monitoring:

User Growth Sustainability: Whether the 9% faster milestone achievement translates into sustained higher growth rates beyond October 2025.

Cash Advance Adoption: Revenue contribution and user adoption rates for the newer cash advance product, which represents significant cross-selling potential.

Cross-Selling Conversion: Metrics showing how effectively the platform converts tax users to cash advance services and vice versa.

New Product Impact: The effect of planned mortgage and investment product launches on user engagement and lifetime value.

Operational Metrics to Monitor

The 20% reduction in customer acquisition costs whilst adding 50,000+ new users demonstrates operational excellence. Continued improvement in these metrics would indicate sustainable competitive advantages in the competitive fintech landscape.

Additionally, the company’s ability to maintain growth acceleration during traditionally slower periods suggests strong underlying demand and effective execution of its organic growth strategy. Investors should particularly note whether the organic growth strategy continues delivering compounding benefits as the user base expands.

How Does One Click Group’s Financial Position Support Future Expansion?

With a cash position of $1.79 million and 1.31 billion shares on issue, One Click Group operates with a lean financial structure that emphasises capital efficiency. The substantial reduction in customer acquisition costs suggests the company is maximising the value of each marketing dollar whilst building sustainable growth mechanisms.

The company’s ability to achieve significant user growth whilst reducing acquisition costs indicates strong cash flow efficiency.

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