Paysafe Ltd
NYSE:PSFE

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Paysafe Ltd
NYSE:PSFE
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Price: 7.98 USD -1.36% Market Closed
Market Cap: 458.5m USD

Paysafe Ltd
Investor Relations

In the bustling world of digital transactions where convenience meets security, Paysafe Ltd. has positioned itself as a pivotal player. Emerging as a leader in the realm of specialized payments, Paysafe operates by providing a platform that caters to both consumers and businesses with a need for seamless digital financial interactions. The company's core offerings revolve around payment processing, digital wallets, and online cash solutions. By acting as an intermediary, Paysafe facilitates electronic transactions for merchants who require efficient and secure payment processes. This includes a vast array of digital products, with its most notable offerings being brands such as Skrill and Neteller. Both of these digital wallets are popular among users who engage in online gaming and e-commerce because of their speed and enhanced security features.

Paysafe generates its revenue primarily through transaction fees on payments processed via its platforms, as well as from subscription fees for advanced services and favorable conversion rates in currency exchanges offered through its wallets. The company's business model hinges on capturing a share of the rapidly growing digital payments market by providing flexible solutions that cater to niche markets like the online gaming sector, where traditional banking services may not always suffice or offer the necessary agility. By continuously innovating and expanding its capabilities to include emerging payment methods and compliance with regional and global regulations, Paysafe not only sustains its revenue streams but also strengthens its standing in an increasingly competitive landscape.

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Last Earnings Call
Fiscal Period
Q3 2025
Call Date
Nov 13, 2025
AI Summary
Q3 2025

Revenue Growth: Paysafe delivered 6% organic revenue growth in Q3, with reported revenue up 2% to $433.8 million.

Earnings: Adjusted EBITDA rose 7% to $126.6 million, and adjusted EPS jumped 37%.

Share Buybacks: Paysafe repurchased $20 million in shares in Q3 and expanded its buyback authorization by $70 million.

Guidance Update: Full-year 2025 outlook was lowered to 5%–6% organic growth, with revenue expected at or slightly below the prior range’s low end.

Margin Dynamics: Q3 EBITDA margin reached 29.2% but is expected to fall to around 23% in Q4 and average 25% for the year due to business mix pressures.

Product Rollout Delays: Key wallet and product initiatives are taking longer than planned, impacting near-term growth and margin expansion.

Strong Core Markets: North America and Europe both grew 8%, with iGaming as a standout at 50%+ growth; noncore Rest of World declined.

Leverage: Net leverage stands at 5.2x, with plans to reach 3.5x by 2027.

Key Financials
Revenue
$433.8 million
Organic Revenue Growth
6%
Adjusted EBITDA
$126.6 million
Adjusted EBITDA Margin
29.2%
Unlevered Free Cash Flow
$83.6 million
Unlevered Free Cash Flow (LTM)
$265 million
Adjusted Net Income
$40.3 million
Adjusted EPS
$0.70
GAAP Net Loss
$87.7 million
Merchant Solutions Volume
$34.9 billion
Digital Wallets Volume
$6.7 billion
Digital Wallets Revenue
$205.7 million
Digital Wallets 3-Month Actives
7.1 million
Digital Wallets Adjusted EBITDA
$93.4 million
Digital Wallets Gross Margin
roughly 71%
Merchant Solutions Adjusted EBITDA
$47.8 million
Merchant Solutions Adjusted EBITDA Margin
20.6%
Debt
$2.5 billion
Net Leverage
5.2x
Share Repurchases (Q3)
$20 million
Share Repurchases (Year-to-date)
$50 million
Earnings Call Recording
Other Earnings Calls

Management

Mr. Bruce F. Lowthers CPA
CEO & Executive Director
No Bio Available
Mr. John Crawford
Chief Financial Officer
No Bio Available
Mr. Roy Aston
Chief Operating Officer
No Bio Available
Nicole Nahlous
Chief Accounting Officer
No Bio Available
Ms. Kirsten Nielsen
Senior Vice President of Investor Relations
No Bio Available
Mr. Richard Swales
Chief Risk & Compliance Officer
No Bio Available
Mr. Elliott Wiseman
Chief Legal & People Officer
No Bio Available
Ms. Kate Aldridge
Senior Vice President of Corporate Communications & Content
No Bio Available
Ms. Chi-Eun Lee
Chief Transformation Officer
No Bio Available
Ms. Rachel McShane
Chief Financial Officer of Digital Wallets
No Bio Available

Contacts

Address
London
25 Canada Square, 27Th Floor
Contacts
+442038849226.0
www.paysafe.com