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Findi (FND) investor relations material
Findi H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary30 May, 2025
Executive summary
Achieved record FY25 performance with total revenue of $75.5M, exceeding guidance of $68–$70M.
EBITDA reached $31.4M, in line with guidance; NPBT was $6.0M, excluding a one-off $17.2M finance cost.
Statutory net loss after tax was $11.2M, impacted by the Piramal CCD buyback.
Expanded digital and physical presence across all Indian states and territories.
Financial highlights
FY25 revenue grew 13.5% year-over-year to $75.5M; EBITDA up 14.4% to $31.4M.
NPBT increased 54.5% year-over-year to $6.0M; operating cash flows rose 3.0% to $27.5M.
Net cash reserves at 31 March 2025 were $30.2M, down from $37.6M a year earlier, after major acquisitions.
Cash reserves totaled $115.9M; gross corporate debt was $85.6M.
Outlook and guidance
Focus on consolidating recent acquisitions (TCPSL and BankIT) and executing WLA and Payments Bank strategies.
Preparing for TSI India IPO by end of CY26, with potential for accelerated timing.
Anticipates future capex to be supported by cash reserves, debt facilities, and earnings.
Assess the impact of increased ATM interchange fees.
Detail the strategy for Payments Bank development.
Explain the rationale for TSI India's intended IPO.
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Findi Limited, formerly known as Afterpay Touch Group, is an Australia-based financial technology company focusing on digital financial services. The company provides a suite of products aimed at facilitating seamless digital payments and consumer transactions, with a particular emphasis on buy-now, pay-later (BNPL) solutions. Findi’s offerings are tailored to retailers and consumers seeking flexible payment options, supporting e-commerce and in-store transactions. The company is headquartered in Sydney, Australia, and its shares are listed on the ASX.
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