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PayPoint (PAY) investor relations material
PayPoint H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary20 Nov, 2025
Executive summary
Delivered resilient half-year results with net revenue stable at £84.7m, progress on key growth projects including BankLocal with Lloyds, Royal Mail Shop, and expanded Love2Shop partnerships.
Underlying EBITDA for FY26 expected to be ahead of last year and broadly in line with market expectations.
Board remains confident in achieving medium-term financial goals despite economic headwinds and weak consumer confidence.
Operational challenges in parcels (InPost/Yodel disruption) and slower-than-expected growth in obconnect are being addressed, with recovery and stronger second-half performance expected.
Strategic milestones achieved: Royal Mail investment in Collect+, BankLocal launch, and Love2Shop partnership expansion.
Financial highlights
Total revenue rose 6.7% to £144.1m; net revenue up 0.1% year-over-year to £84.7m.
Underlying EBITDA at £37.3m (down 0.5%); underlying profit before tax at £25.7m (down 4.5%).
Interim dividend increased 2.1% to 19.8p per share; special dividend of 50p per share paid after Collect+ part-disposal.
Net corporate debt reduced by 3.2% to £84.0m; cash generation from operations £24.2m, down due to working capital outflow.
Diluted underlying EPS down 2.6% to 26.7p; diluted EPS down 12.3% to 20.6p.
Outlook and guidance
Underlying EBITDA for FY26 expected to surpass last year, but £100m target will take longer to achieve.
Consistent net revenue growth of 5–8% per annum targeted through FY28.
Over £90m to be returned to shareholders in FY26 via dividends and buybacks.
Royal Mail Shop ramp-up expected to drive more meaningful volume and earnings impact in the next financial year.
Automation project targeting at least £2m operational profit upside, with benefits expected from FY2027.
Financial Impact of InPost/Yodel terms?
Revised timeline for £100m EBITDA?
Detail obconnect's revised growth strategy.
Royal Mail Shop volume ramp-up timeline?
Automation project: FY27 savings scale?
Chinese e-tailer OOH adoption strategy?
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Next PayPoint earnings date
Q3 2026 TU28 Jan, 2026
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Frequently asked questions
PayPoint plc is a United Kingdom provider of payments and banking products. The Company offers card services, such as debit and credit cards, prepaid cards and contactless payment cards, as well as ATM services. PayPoint also provides other financial services including cash management and cash outsourcing solutions through its retail network. Its customers include retailers, financial institutions, mobile phone companies and money service businesses (MSBs). The company was founded in 1996 and is headquartered in Welwyn Garden City, the United Kingdom.
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