CTOS Digital (CTOS) Q4 2025 earnings summary

Executive summary

• 4Q 2025 revenue increased 14.6% year-over-year and 6% quarter-over-quarter to RM88.0 million, with FY2025 revenue up 7% YoY to RM326.1 million, driven by growth in Malaysia and International segments.

• Reported PATAMI for FY2025 was RM44.6 million, including a RM17.9 million gain from the disposal of Experian Malaysia (EIS).

• Normalised PATAMI fell 18.1% YoY to RM88.1 million, after adjusting for non-recurring items.

• Full-year associate contribution reached RM36.3 million, up 18.54% YoY, with Juris Tech delivering strong earnings momentum.

• Group CEO appointed effective 16 January 2026, with management transitions executed as planned.

Financial highlights

• 4Q 2025 revenue: RM88.0 million (+14.6% YoY, +6% QoQ); FY2025 revenue: RM326.1 million (+7% YoY).

• 4Q 2025 normalised PATAMI: RM26.2 million (+4.8% QoQ); FY2025 normalised PATAMI: RM88.1 million (-18.1% YoY).

• Gross profit margin improved to 68% in 4Q 2025, with full-year gross profit at RM221.5 million (+0.2% YoY).

• Dividend payout ratio for 4Q 2025 was 70%, with a 4th interim dividend of 0.86 sen per share.

• Cash and cash equivalents at year-end increased to RM58.2 million from RM17.3 million.

Outlook and guidance

• Focus for FY26 includes sustainable expansion in D2C, new product launches, and deeper customer engagement.

• Cautiously optimistic outlook for 2026, with focus on scaling digital and analytical solutions.

• Continued investment in automation, AI, analytics, and infrastructure modernisation to drive margin expansion.

• International segment expected to sustain growth, leveraging additional datasets and partnerships.

• Management targets for FY2025 were exceeded for revenue (RM326.1m vs. RM315m-325m target) and EBITDA (RM136.1m vs. RM110m-120m target).