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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?
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Next PayPoint earnings date
Q4 2026 TU22 Apr, 2026
PayPoint
Next PayPoint earnings date
Q4 2026 TU22 Apr, 2026
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Frequently asked questions
PayPoint plc is a United Kingdom provider of payments and banking products. The Company offers card services, such as debit and credit cards, prepaid cards and contactless payment cards, as well as ATM services. PayPoint also provides other financial services including cash management and cash outsourcing solutions through its retail network. Its customers include retailers, financial institutions, mobile phone companies and money service businesses (MSBs). The company was founded in 1996 and is headquartered in Welwyn Garden City, the United Kingdom.
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