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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Paysafe
Paysafe (PSFE) investor relations material
Paysafe Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary12 Nov, 2026
Executive summary
Q3 revenue rose 1% YoY to $439.6M, or 2% in constant currency; payment volume grew 3% to $42.4B. 9M revenue increased 5% to $1.330B.
Greater regulatory, market, banking and FX headwinds, along with lower data-licensing revenue, weighed on results; three-month active consumers rose 14% to 8.1M.
LTM unlevered free cash flow was $265M with 65% conversion; debt and net leverage reduction remain priorities.
Financial highlights
Q3 Adjusted EBITDA fell 17% to $105.7M; margin declined to 24.0% from 29.2%. Adjusted EPS was $0.44 versus $0.70.
Adjusted net income was $23.8M versus $40.3M; GAAP net loss was $247.5M versus $87.7M, including a $203.4M non-cash impairment.
Q3 unlevered free cash flow was $50.2M versus $83.6M; conversion was 48% versus 66%.
9M Adjusted EBITDA was $307.7M versus $326.8M; 9M net loss was $342.9M versus $157.3M.
Q3 gross profit excluding D&A was $245.6M versus $250.8M; operating cash flow was $30.3M versus $69.2M.
Outlook and guidance
FY2026 revenue guidance was reduced to $1.761B–$1.771B, Adjusted EBITDA to $415M–$422M and Adjusted EPS to $1.45–$1.54; expected revenue growth is ~4%.
Year-end net leverage is expected at ~5.5x; cash assumptions include 65%–70% unlevered FCF conversion, $165M–$175M cash interest and ~$70M long-term debt repayment.
Q4 is expected to face greater wallet pressure from regulatory, crypto, financial-trading and FX headwinds; 2027 impact remains uncertain.
Second-half operating expenses are on track to decline $25M versus H1, with most improvement expected in Q4; outlook includes $5M unplanned severance expense.
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Latest events from Paysafe
- Revenue up 4% to $447.4M, net loss widens, leverage improves after refinancing.PSFE
Q2 2026 - Growth, innovation, and operational efficiency drive expansion, with a focus on deleveraging.PSFERBC Capital Markets Global Financial Technology Conference
- Q1 revenue up 10%, adjusted EPS up 21%, with strong LatAm and iGaming growth; guidance reaffirmed.PSFEQ1 2026
- 2025 saw 5–6% organic growth and innovation, with 2026 focused on EPS gains and deleveraging.PSFEQ4 2025
- Strong organic growth and margin expansion driven by e-commerce, digital wallet, and partnerships.PSFEJefferies Fintech Conference
- Q3 revenue up 8%, adjusted EBITDA rose, and net leverage improved to 4.7x.PSFEQ3 2024
- Q2 revenue up 9%, guidance raised, and Merchant Solutions led segment growth.PSFEQ2 2024
- Profitability, product innovation, and sales expansion set the stage for accelerated growth in 2025.PSFEWolfe Research FinTech Forum
- 2024 saw 7% organic growth, positive net income, and 2025 guidance targets margin expansion.PSFEQ4 2024
Next Paysafe earnings date
Q4 20265 Mar, 2027
Paysafe
Next Paysafe earnings date
Q4 20265 Mar, 2027
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Frequently asked questions
Paysafe Limited provides digital commerce solutions to online businesses, SMB merchants, and consumers through its Paysafe Network. The Company's segments include North America, International, and Consumer. It offers services such as payment acceptance and processing, card issuing and acquiring, interactive voice response (IVR), point of sale (POS), e-money solutions, payments management solutions, and transactional prepaid solutions. Paysafe Limited serves merchants through two primary channels - merchant sales organization and merchant direct.