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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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PayPoint (PAY) investor relations material
PayPoint Q1 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 TU earnings summary6 Aug, 2025
Executive summary
Net revenue rose 7.5% year-over-year to £42.2 million, driven by E-commerce, Payments & Banking, and Love2shop divisions.
Growth initiatives include new agreements in Parcels, Open Banking wins, and expanded retailer services.
Share buyback program increased, targeting at least £30 million per annum and a 20% equity base reduction by March 2028.
Dividend increased to 19.6p per share, payable in two instalments.
Financial highlights
Shopping net revenue up 0.6% to £16.5 million; E-commerce up 20.8% to £5.1 million; Payments & Banking up 4.9% to £12.8 million; Love2shop up 21.7% to £7.8 million, all year-over-year.
Group net corporate debt at £109.6 million as of 30 June 2025, up from £97.4 million at 31 March 2025.
Card payments net revenue fell 1.3% to £8.2 million; card processed value down 3.6% to £1.7 billion year-over-year.
Service fee net revenue increased 7.8% to £5.7 million, driven by site growth and RPI fee increase.
Outlook and guidance
Confident in achieving £100m EBITDA target for the current year and longer-term growth to FY28.
Focus on ramping up parcel volumes, expanding Open Banking, and launching new banking services.
Dividend cover ratio expected to grow from 1.5–2.0x to over 2.0x by FY28.
Leverage ratio to be maintained at 1.2–1.5x net debt/EBITDA.
Assess impact of consumer uncertainty on FY26-FY28 targets.
Explain strategy for long-term card estate value.
Detail plans to grow Love2shop gift card retailer channels.
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Next PayPoint earnings date
Q2 202620 Nov, 2025
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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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