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EML Payments (EML) investor relations material
EML Payments H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary26 Aug, 2025
Executive summary
Transformation strategy EML 2.0 launched, focusing on leadership, operational overhaul, and technology modernization, with new executive and commercial teams rebuilt and strong operational momentum.
Delivered FY25 results at the top end of guidance, securing 27 new clients and renewing 8 major contracts, including 2 in the top 5.
Project Arlo, a next-gen payments platform, initiated with Visa Pismo partnership to streamline operations and support growth.
Class action provisionally settled, subject to court approval, with $37.4 million provisioned.
Balance sheet strengthened with expanded credit facilities and improved net cash position.
Financial highlights
Revenue up 9% year-over-year to $220.9 million; customer revenue (excluding float interest) up 3% to $157 million.
Underlying EBITDA rose 13% to $58.6 million, with a margin of 27%, at the upper end of guidance.
Statutory loss of $53 million due to non-recurring items, including class action settlement and Project Arlo costs.
Cash balance at $59.3 million, up 46% year-over-year, with net cash movement of $18.6 million.
Interest income increased 28% to $63.9 million, driven by higher bond yields and float balances.
Outlook and guidance
FY26 underlying EBITDA guidance set at $58–$63 million, factoring in new business growth and weaker interest income.
Customer revenue net growth expected at 4–5%, with $15 million new revenue offset by $8 million client runoff.
Interest revenue forecast to decline by ~$6 million due to lower central bank rates, partially offset by float growth.
Project Arlo to be in production in Europe, with at least one new product solution launched in FY26; spend projected at $15 million, 40% capitalised.
Pipeline expected to grow to $90 million+ by December 2025, with more clarity on conversion rates by year-end.
Finalize Project Arlo transition plan timing
When will pipeline conversion dynamics be clearer?
Timeline for completing internal 'tidy up' work?
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Next EML Payments earnings date
H1 202624 Feb, 2026
Next EML Payments earnings date
H1 202624 Feb, 2026
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Frequently asked questions
EML Payments Limited provides payment card technology solutions in Australia, Europe, and North America. The company operates in two segments, EML Payments and Gift Cards. It offers prepaid products, including multi-currency cards for international use; virtual and plastic payment cards; and eCommerce gateway payment services. The company also offers card programs to various customers operating in various industry verticals, such as lifestyle and rewards, corporate expense management, travel and prepaid energy, high risk merchants selling digital goods, and omni-channel retailers sell physical goods through their own website.
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