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CAB Payments Holdings (CABP) investor relations material
CAB Payments Holdings H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary15 Aug, 2025
Executive summary
Transitioned from transformation to growth, focusing on client expansion, product innovation, and new markets, with 573 active clients (+36 YoY) and 39 new corridors launched.
Enhanced operational efficiency and technology, achieving 94% process automation, 54% reduction in onboarding times, and 94% straight-through processing.
Expanded international footprint with new offices in New York and Amsterdam, and secured key licenses in New York and Nigeria.
Completed strategic restructuring, reducing headcount by ~100 FTE, focusing on client delivery and efficiency, with a one-off cost of £2.5m.
Diversified business model reduced revenue concentration, with top five corridors now 27% of income, down from 32% YoY.
Financial highlights
Total income for H1 2025 was £51.8m, up 3% HoH but down 8% YoY due to take rate compression and prior year dislocation.
Adjusted EBITDA reached £13.1m (25.3% margin), up 8% HoH; adjusted profit after tax up 9% HoH to £5.4m.
Free cash flow of £9.5m with 72% cash conversion, improved from 50% in both halves of 2024.
CapEx of £3.5m, with 67% focused on product enhancements; capex intensity reduced to 7% of total income.
Average client deposits reached £1.5bn, up 4% vs 2024.
Outlook and guidance
Expecting improved performance in H2 2025, with overall YoY income growth for FY25 and more meaningful growth in 2026.
H2 priorities include Europe client pipeline conversion, further client acquisitions, and structured solution roll-out.
Maintaining guidance for broadly flat staff costs (excluding variable pay) for 2025 and capex under £8m.
Plans to update on 2026 strategy at full year results.
Assess impact of CNY conversion capability.
How will multi-product model affect take rates?
Explain drivers of Banks segment's growth.
Explain Abu Dhabi's opportunity for CAB Payments.
Was the restructuring exercise fully completed?
How is CAB using AI in its business?
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Next CAB Payments Holdings earnings date
H2 202512 Mar, 2026
Next CAB Payments Holdings earnings date
H2 202512 Mar, 2026
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Frequently asked questions
CAB Payments Holdings Limited, operating through its subsidiaries, specializes in foreign exchange (FX) and cross-border payment services. The company caters to banks, fintech companies, development organizations, and governments, both in the United Kingdom and internationally. CAB Payments Holdings provides a comprehensive suite of digital payment solutions including EMpower FX, an automated gateway for cross-border transactions, and EMpower Payments, a digital platform for managing day-to-day FX exposures. Other services include EMpower Connect and EMpower Pensions, which support banking transactions and pension payments respectively. The company is headquartered in Sutton, United Kingdom, and its shares are listed on the London Stock Exchange.
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