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Asseco South Eastern Europe (ASE) investor relations material
Asseco South Eastern Europe Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Q3 2025 results were significantly impacted by non-cash write-offs and revenue reversals in India and UAE/Dubai, reducing operating profit/EBIT by EUR 7.5 million.
Excluding one-off items, EBIT grew 21% year-over-year for Q3, with strong performance in Banking and Dedicated Solutions, but Payment segment slowed due to client transaction shifts and underperformance in key markets.
Year-to-date, sales revenues increased by 5% to PLN 1,263.9 million, but net profit attributable to shareholders fell 6% to PLN 133.2 million.
Cash flow improved year-over-year, with strong LTM conversion and higher net cash from operating activities.
Financial highlights
Q3 2025 revenue was €102.5m, down 2% year-over-year; adjusted EBIT was €18.3m (+21% YoY); adjusted EBITDA €24.4m (+17% YoY); adjusted NPAT €12.5m (+1% YoY).
For Q1-3 2025, revenue grew 7% YoY to €298.3m; adjusted EBIT was €39.7m (+10% YoY); adjusted EBITDA €58.3m (+10% YoY); adjusted NPAT €26.8m (-9% YoY).
Operating cash flow for the first three quarters reached nearly EUR 39 million, and free cash flow for Q3 2025 LTM was €43.4m.
Gross profit margin for the nine months was 24.9%, EBITDA margin 18.5%, and net profit margin 10.5%.
Basic and diluted EPS for the period was PLN 2.57, compared to PLN 2.72 a year earlier.
Outlook and guidance
2025 full-year revenue is forecast at €397.6m, up 10% from 2024, with margin1 expected to rise 13% to €302.9m.
Q4 backlog increased 20% overall, with banking and dedicated solutions up 36% and payment up 6%.
Banking and Dedicated Solutions are expected to see 10% revenue growth in 2025, with margin1 up 21%.
Management expects continued growth in South Eastern Europe, India, Turkey, and Latin America, but notes risks from geopolitical instability, inflation, and currency fluctuations.
No financial forecasts for 2025 were published in some reports.
Turkey/India/Dubai recovery timeline?
Payment's direct-to-merchant growth potential?
Operational changes driving cash flow?
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Next Asseco South Eastern Europe earnings date
H2 202519 Feb, 2026
Next Asseco South Eastern Europe earnings date
H2 202519 Feb, 2026
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Frequently asked questions
Asseco South Eastern Europe S.A. is a Poland-based information technology company that provides software and IT services primarily to the financial, public, and enterprise sectors. The company offers core banking systems, payment solutions, authentication and security software, and digital transformation services. It also delivers systems integration, consulting, and support services across Southeast Europe and beyond. The company is headquartered in Warsaw, Poland, and its shares are listed on the WSE.
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