PayPoint (PAY) Q4 2026 TU earnings summary

Executive summary

• Record financial performance anticipated for FY26, broadly in line with expectations.

• Major business reorganisation into four units: Network Services, Digital Payments and Open Banking, Love2shop, and Merchant Services.

• Transformation aims to simplify structure, enhance transparency, and drive growth through operational focus.

Financial highlights

• Over £90 million returned to shareholders in FY26 via share buybacks and dividends.

• Share capital reduced by approximately 15% in FY26, targeting a 30% reduction by FY28.

• Estimated FY26 net revenues: Network Services £91.3m, Digital Payments and Open Banking £13.4m, Love2shop £53.2m, Merchant Services £31.5m.

Outlook and guidance

• FY27 expected to deliver underlying profit growth above FY26 and within market expectations.

• Reorganisation to prioritise resource allocation and focus on long-term growth despite market challenges.

• Further details on strategy and outlook to be provided at preliminary results in June 2026.