)
Visual
test
PayPoint
PayPoint (PAY) investor relations material
PayPoint Q3 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 TU earnings summary28 Jan, 2026
Executive summary
Achieved significant progress in Q3 FY26, remaining on track to deliver record profits for the year despite subdued consumer spending and a challenging market environment.
Operational disruptions earlier in the year were overcome, with record peak performance in the parcels business and strong seasonal trading in Love2shop.
Continued high activity levels in new business wins, product launches, and retailer network expansion.
Financial highlights
Group net revenue for Q3 FY26 was £52.7m, down 0.5% year-over-year.
Shopping division net revenue flat at £16.1m; E-commerce up 2.4% to £4.2m; Payments & Banking up 2.1% to £14.3m; Love2shop down 3.2% to £18.1m.
Net corporate debt increased to £131.3m as of 31 December 2025, from £97.4m at 31 March 2025.
Outlook and guidance
On track to meet FY26 expectations and deliver record profits.
Confident in a strong finish for Love2shop, with billings growth and revenue recognition expected in Q4.
Plans to hold a Capital Markets Day later in the year to update on strategy and investment case.
How does increased debt align with buyback & leverage?
What offsets consumer spending decline impact?
Royal Mail Shop rollout: expected impact?
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from PayPoint
- Underlying EBITDA up 32.6%, net revenue up 40%, £20m share buyback, £100m EBITDA target.PAY
H2 20243 Feb 2026 - EBITDA up 20.6% and profit before tax up 34.3%, driven by e-commerce and Love2shop.PAYH1 202513 Jan 2026
- Underlying EBITDA up 10.7% and net revenue up 3.7%, with strong e-commerce growth.PAYH2 202523 Dec 2025
- Resilient results, stable net revenue, and strong shareholder returns amid market challenges.PAYH1 202620 Nov 2025
- Net revenue up 7.5% year-over-year, with enhanced shareholder returns and strong parcel growth.PAYQ1 2026 TU6 Aug 2025
- FY25 results on track; EBITDA near £90m, net debt under £100m, buybacks ongoing.PAYQ4 2025 TU6 Jun 2025
- E-commerce and Love2shop growth offset headwinds, keeping PayPoint on track for FY25 goals.PAYQ3 2025 TU6 Jun 2025
Next PayPoint earnings date
Q4 2026 TU22 Apr, 2026
PayPoint
Next PayPoint earnings date
Q4 2026 TU22 Apr, 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
Explore our global coverage