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FINEOS (FCL) investor relations material
FINEOS H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary28 Aug, 2025
Executive summary
Subscription revenue grew 5.7% year-over-year to €36.4M, now 54.3% of total revenue, with a strategic focus on increasing this share further.
Total revenue reached €67.1M, up 4.2% year-over-year, driven by growth in North America and APAC.
EBITDA increased to €13.1M (up 80.1%), with margin rising to 19.6% from 11.3% in the prior year.
Net loss after tax narrowed to €1.3M from €5.3M, reflecting progress toward profitability.
Free cash flow improved to €15.1M, up from €6.1M year-over-year.
Financial highlights
Gross profit rose 8.4% to €51.4M, with gross margin at 76.6% (up from 73.6%).
North American revenue grew 5.1% and now accounts for nearly 80% of total revenue; APAC revenue increased 10%, while EMEA declined due to a legacy client loss.
Cost efficiency measures delivered savings, including a one-off €1M restructuring cost in the first half.
Cash position at €34.9M as of June 30, 2025, with strong collections and improved DSO.
Deferred revenue increased significantly due to timing of subscription invoicing.
Outlook and guidance
FY25 revenue is guided to the lower end of €138M–€143M due to FX headwinds and longer sales cycles.
Positive free cash flow expected for FY25, with sustained annual profitability targeted from FY26.
Recurring revenues targeted to reach 65%+ in FY27 and 75%+ in FY29; gross margin to 75% in FY27 and 80% in FY29; EBITDA to 25% in FY27 and 40% in FY29.
R&D investment as a percentage of revenue is expected to decline to 30% in FY27 and 25% in FY29.
Management maintains a positive outlook despite FX volatility and macroeconomic risks.
Subscription revenue growth drivers to FY27
AdminSuite adoption strategy beyond Guardian
AI monetization strategy and impact on revenue
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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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