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Paysafe
Paysafe (PSFE) investor relations material
Paysafe Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary13 Nov, 2025
Executive summary
Q3 2025 revenue reached $434 million, up 2% year-over-year and 6% organically, with strong e-commerce, iGaming, and digital wallet growth, and a 10% increase in volume.
Adjusted EBITDA was $127 million, up 7% year-over-year, with margin expansion to 29.2%, aided by a $10 million licensing deal.
Adjusted EPS increased 37% year-over-year to $0.70; adjusted net income was $40.3 million.
Net loss was $87.7 million, primarily due to an $81.2 million non-cash tax charge from new U.S. legislation.
Board authorized an additional $70 million for share repurchases, with $50 million repurchased year-to-date.
Financial highlights
Q3 2025 volume was $37.5 billion, up 10% year-over-year; merchant solutions volume up 9% to $34.9 billion.
Adjusted EBITDA rose 7% to $126.6 million, with a margin of 29.2%, up 160 bps year-over-year.
Adjusted net income was $40.3 million ($0.70/share), up from $0.51/share last year; GAAP net loss was $87.7 million due to a non-cash tax expense.
Unlevered free cash flow was $83.6 million, with a 66% conversion rate; LTM free cash flow at $265 million.
Gross profit (excl. D&A) was $250.8 million, up from $249.0 million year-over-year.
Outlook and guidance
Full-year 2025 revenue guidance updated to $1,700–$1,710 million, with 5%-6% organic growth expected.
Adjusted EBITDA guidance lowered to $425–$430 million (~25% margin); adjusted EPS now $1.83–$1.88.
2026 preliminary outlook: mid to high single-digit organic revenue growth and high single-digit adjusted EBITDA growth.
Outlook reflects a longer timeline for new product initiatives and a business mix shift toward lower-margin channels.
SMB margin mix shift mitigation plan
Wallet product launch timeline risks
Noncore e-commerce vertical stability
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Next Paysafe earnings date
Q4 20253 Mar, 2026
Paysafe
Next Paysafe earnings date
Q4 20253 Mar, 2026
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Frequently asked questions
Paysafe Limited provides digital commerce solutions to online businesses, SMB merchants, and consumers through its Paysafe Network. The Company's segments include North America, International, and Consumer. It offers services such as payment acceptance and processing, card issuing and acquiring, interactive voice response (IVR), point of sale (POS), e-money solutions, payments management solutions, and transactional prepaid solutions. Paysafe Limited serves merchants through two primary channels - merchant sales organization and merchant direct.
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