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Hightech Payment Systems (HPS) investor relations material
Hightech Payment Systems H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary23 Sep, 2025
Executive summary
Achieved 16.4% year-on-year revenue growth in H1 2025 to 672.5 M MAD, with adjusted revenue growth of 25.7% before FX impact.
Record backlog reached MAD 1.3 billion by June, up 46% from the start of the year, and 85% higher by August, supporting future growth.
SaaS transition and FX headwinds temporarily pressured margins, but ramp-up is expected to drive profitability, especially in Canada and Australia.
Divestment of the low-margin/loss-making testing business to focus on core payment activities, expected to improve group margin and growth.
Full-year guidance reaffirmed for 20%+ revenue and 30%+ EBITDA growth for FY2025.
Financial highlights
H1 2025 reported revenue: MAD 672.5 million (+16.4% YoY); adjusted revenue: MAD 725 million (+25.7% YoY, FX neutral).
EBITDA: MAD 69.8 million (margin 10.4%), down 35% YoY, mainly due to SaaS transition and FX impact.
Net profit turned negative in H1 2025 due to 63 MMAD of non-operational costs (FX, CR2 acquisition financing, goodwill amortization).
Operating cash flow strong at +105 MMAD; cash position at end-June: MAD 280 million (+37% YoY).
Outlook and guidance
FY2025 guidance: revenue growth above 20%, EBITDA growth above 30%, with EBITDA expected to triple in H2 vs. H1.
Majority of H2 revenues secured in backlog; SaaS and On-Premise ramp-up to drive profitability.
Organic growth expected at 12%-17% annually in coming years, supported by strong backlog and new contract wins.
2027 targets remain on track, with recurring revenue share expected to rise.
Detail SaaS run phase impact on future margins
Describe FX risk mitigation plans
How on-premise strategy aligns with SaaS focus?
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Next Hightech Payment Systems earnings date
H2 20251 Apr, 2026
Next Hightech Payment Systems earnings date
H2 20251 Apr, 2026
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Frequently asked questions
Hightech Payment Systems SA (HPS) is a Morocco-based company specializing in electronic payment solutions. The company provides software and services that support the processing, management, and security of electronic transactions for banks, financial institutions, and payment processors. Its flagship platform enables a wide range of payment services, including card issuance, transaction processing, mobile payments, and e-commerce solutions. The company is headquartered in Casablanca, Morocco, and its shares are listed on the CSE.
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