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Argentex Group (AGFX) investor relations material
Argentex Group H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary1 May, 2025
Executive summary
FY24 marked a reset year with improved controls, accountability, and risk management, supported by a restructured front office and new leadership, as Argentex transitions to a scalable fintech model.
Investments in technology, risk management, and front office restructuring have positioned the company for profitable growth and improved client retention.
Revenue and EBITDA exceeded expectations despite significant one-off items and expansion costs, with strong H2 momentum and improved trading continuing into Q1 FY25.
Geographic expansion advanced with Australia and Dubai fully licensed and operational, and EU expansion underway.
Product diversification progressing, with digital accounts and payments platform set to launch in summer 2025.
Financial highlights
FY24 revenue was £50.3m, up 1% year-over-year, with H2 revenue growing 6% YoY after a 4% decline in H1.
Reported EBITDA was £4.0m (8% margin), down from £11.9m (24% margin) in FY23, impacted by one-off charges and growth investments; underlying EBITDA margin was 13% (£6.7m) after adjusting for non-recurring items.
Operating profit was (£0.2m) compared to £8.1m in FY23; EPS was (1.1p) versus 4.6p prior year.
Net cash at year-end was £18.4m, stable year-over-year, supporting ongoing investment.
New client revenue reached £15.8m, up 4% YoY; total clients traded increased to 2,113.
Outlook and guidance
Growth expected to return in FY25, with overseas revenues contributing and digital accounts/payments launch anticipated late summer.
Revenue diversification and cost efficiency programs are on track, with improved trading momentum continuing into Q1 FY25.
Expansion will be paced by affordability and revenue generation from existing branches, with further international growth considered as market opportunities arise.
Product diversification, especially digital accounts and payments, is expected to enhance recurring revenue and client retention.
Geographic and product expansion expected to drive future growth, including MiFID license application in the Netherlands.
When will digital accounts & payments launch?
Assess impact of one-off charges on FY24 EBITDA.
What is the status of EU expansion plans?
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Frequently asked questions
Argentex Group PLC provides foreign exchange services for businesses worldwide. The company's activities include arranging payments in foreign currencies, making payments on behalf of customers, and making settlements in the foreign exchange markets. It offers currency purchasing, selling, and hedging services; and money transfer, remittance, currency credit facility and cash loading facilities for international business-to-consumer and business-tobusiness transactions. Argentex Group PLC was founded in 2011 and is headquartered in London, the United Kingdom.
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