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FINEOS (FCL) investor relations material
FINEOS Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary23 Oct, 2025
Executive summary
Revenue growth and operational efficiency gains are supporting expectations of positive free cash flow for FY25.
Year-to-date cash receipts are up 8.8% compared to the same period in FY24, despite a 10% sequential and 11% year-over-year decline in 3Q25 due to seasonality and timing differences.
A North American client committed to migrating to the SaaS-based platform, with go-live expected in early 2H26; the North American sales pipeline remains strong.
Product Consulting employee utilisation rate averaged 87% year-to-date, up 2 percentage points from the prior corresponding period.
A successful Customer Connect event in Toronto deepened client relationships and showcased the product roadmap and AI capabilities.
Financial highlights
Closing cash balance at 30 September 2025 was €32.6m, down €2.3m from the previous quarter, reflecting seasonal cash collection impacts.
3Q25 customer cash receipts were €31.5m, down 10% sequentially and 11% year-over-year, but year-to-date receipts increased 8.8% over FY24.
Research and development costs capitalised for 3Q25 were €6.7m.
Product manufacturing and operating costs for 3Q25 were €7.7m, down 7% year-over-year due to efficiencies in cloud infrastructure and lower personnel costs.
Staff costs for 3Q25 were €12.8m, down 10% year-over-year and 6% sequentially, reflecting lower headcount and salary costs.
Administration and corporate costs were €6.6m, up 48% sequentially due to timing of pre-payments, but down 31% year-over-year.
Outlook and guidance
FY25 revenue outlook remains within guidance on a constant currency basis, assuming a EUR/USD rate of 1:1.0837.
Management expects positive free cash flow for FY25 and ongoing profitable growth in 2026 and beyond.
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Frequently asked questions
FINEOS Corporation Holdings plc specializes in providing enterprise software solutions, focusing on claims and policy management for the life, accident, and health insurance sectors globally. The company's flagship offering, the FINEOS Platform, is delivered as a Software-as-a-Service (SaaS) core insurance platform, designed to support the end-to-end processes of insurance and claims management. This platform includes the FINEOS AdminSuite, which offers industry-leading capabilities in core administration functions such as absence management, billing, claims, payments, policy administration, provider management, and new business and underwriting. The company is headquartered in Dublin, Ireland, and its shares are listed on the Australian Securities Exchange.
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