)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
Paysafe (PSFE) investor relations material
Paysafe Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary13 Nov, 2025
Executive summary
Q3 2025 revenue reached $434 million, up 2% year-over-year and 6% organically, with strong e-commerce, iGaming, and digital wallet growth, and a 10% increase in volume.
Adjusted EBITDA was $127 million, up 7% year-over-year, with margin expansion to 29.2%, aided by a $10 million licensing deal.
Adjusted EPS increased 37% year-over-year to $0.70; adjusted net income was $40.3 million.
Net loss was $87.7 million, primarily due to an $81.2 million non-cash tax charge from new U.S. legislation.
Board authorized an additional $70 million for share repurchases, with $50 million repurchased year-to-date.
Financial highlights
Q3 2025 volume was $37.5 billion, up 10% year-over-year; merchant solutions volume up 9% to $34.9 billion.
Adjusted EBITDA rose 7% to $126.6 million, with a margin of 29.2%, up 160 bps year-over-year.
Adjusted net income was $40.3 million ($0.70/share), up from $0.51/share last year; GAAP net loss was $87.7 million due to a non-cash tax expense.
Unlevered free cash flow was $83.6 million, with a 66% conversion rate; LTM free cash flow at $265 million.
Gross profit (excl. D&A) was $250.8 million, up from $249.0 million year-over-year.
Outlook and guidance
Full-year 2025 revenue guidance updated to $1,700–$1,710 million, with 5%-6% organic growth expected.
Adjusted EBITDA guidance lowered to $425–$430 million (~25% margin); adjusted EPS now $1.83–$1.88.
2026 preliminary outlook: mid to high single-digit organic revenue growth and high single-digit adjusted EBITDA growth.
Outlook reflects a longer timeline for new product initiatives and a business mix shift toward lower-margin channels.
SMB margin mix shift mitigation plan
Wallet product launch timeline risks
Noncore e-commerce vertical stability
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Paysafe earnings date
Q4 20256 Mar, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage