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Edge20 Feb 2026
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FINEOS
FINEOS (FCL) investor relations material
FINEOS H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary25 Feb, 2026
Executive summary
Subscription revenue grew 8.2% year-over-year to €75.6 million, now 54.6% of total revenue, with ARR up 10% to €78.3 million.
Total revenue rose 3.9% year-over-year to €138.4 million, with constant currency growth at 6.3%.
Returned to profitability with net profit after tax of €1 million, reversing a €5.8 million loss in FY24.
Positive free cash flow of €6.4 million and cash position of €27.8 million, with no debt.
North America contributed over 80% of total revenue, driven by new carrier wins and client migrations.
Financial highlights
Gross profit reached €105.5 million, gross margin improved to 76.2% from 75.4%.
EBITDA rose 50.1% to €30.4 million, with margin up to 21.9% from 15.2%.
Operating expenses reduced by 6.3%, or €5 million, year-over-year.
Cash generated from operations improved 40.4% to €38.6 million.
Services revenue remained stable at €62.2 million.
Outlook and guidance
FY26 revenue guidance set at €147–152 million, supported by a strong pipeline and locked-in revenues.
Subscription revenue targeted to reach 65% of total by FY27 and 75% by FY29.
Gross margin to be retained at 75% in FY27 and increased to 80% in FY29; EBITDA margin aiming for 25% in FY27 and 40% in FY29.
R&D investment to decrease to 30% of revenue by FY27 and 25% by FY29.
Focus on growing profitability and cash generation, with continued operational efficiencies.
Unpack FY'27 subscription mix target assumptions
Explain AI feature economic model
How AI impacts legacy system migration velocity?
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Eferix Drawings Google Play
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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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