What is Nayax's latest dividend and current dividend yield?

Did Nayax beat or miss consensus estimates last quarter?

What were the key takeaways from Nayax’s earnings call?

What guidance did Nayax's management provide for the next earnings period?

What factors drove the changes in Nayax's revenue and profit?

What were the key takeaways from Nayax's earnings call?

What is the revenue and EPS growth rate for Nayax year over year?

What is the market's earnings forecast for Nayax next quarter?

- **Revenue Growth**: Q3 revenue up 26% YoY to $104.3M, with 25% organic growth. Recurring revenue (74% of total) rose 29% to $77M.
- **Margin Expansion**: Gross margin 49.3% (vs. 45.7% Q3 2024), driven by 53.6% recurring margin and 37% hardware margin.
- **Strategic Initiatives**: VPOS Media launch, ChargeSmart EV partnership, embedded banking U.S. rollout Q1 2026, and Integral Vending acquisition.
- **2025 Guidance**: $400-405M revenue (27-29% growth), adj. EBITDA $60-65M, 50%+ free cash flow conversion.
- **Long-Term Vision**: 35% annual growth by 2028, targeting 50% gross margin and 30% EBITDA margin.

**【CEO Summary Section】**
- **Revenue Growth and Margin Expansion**: Q3 revenue reached $104.3 million, up 26% YoY, with organic growth of 25%. Recurring revenue (74% of total) rose 29% YoY to $77 million. Gross margin improved to 49.3% (vs. 45.7% Q3 2024), driven by processing and hardware margin gains.
- **Product and Partnership Momentum**: Launched VPOS Media in Australia, U.K., and Europe, expanding into EV charging, amusement, and car wash. Partnered with ChargeSmart for EV charging and Adyen for embedded banking. Acquired Integral Vending in Mexico and completed Tigapo acquisition.
- **Customer Base and Devices**: Added 5,000 new customers (total 110,000) and 56,000 devices (1.4M total). ARPU growth from high-value verticals like EV charging ($18 avg. transaction).
- **Guidance**: Reiterate 25%+ organic revenue growth, targeting $400-405M for 2025. 2028 targets: 35% annual growth, 50% gross margin, 30% EBITDA margin.

**【CFO Financial Commentary】**
- **Financial Highlights**: Q3 GAAP net income $3.5M (vs. $0.7M), adj. EBITDA $18.2M (17.5% of revenue). Recurring margin 53.6%, hardware margin 37%. Free cash flow $3.9M.
- **Growth Drivers**: 35% transaction value growth to $1.8B, 17% device base expansion. Embedded banking and e-commerce pilots set for 2026 launch.
- **Updated Outlook**: Full-year revenue $400-405M (27-29% growth), adj. EBITDA $60-65M, 50%+ free cash flow conversion.

**【Q&A Highlights】**
- **EV Charging and Smart Coolers**: Q4 EV hardware ramp, 100K+ devices by 2026. Smart cooler partnerships in U.S. and Europe, targeting 2026 growth.
- **Embedded Banking and E-commerce**: U.S. launch Q1 2026, EV e-commerce pilot in Q4. Processing margin optimization via acquirer consolidation.
- **M&A Strategy**: Prudent, disciplined approach with focus on Latin America and Asia. 2028 inorganic contribution ~$200M of $1B target.
- **Hardware Margins**: 30-35% target, resilient to tariffs (U.S. 39% of sales). Nayax Capital rental model driving long-term margin expansion.

Nayax Ltd. (NYAX) Q3 2025 Earnings Call Transcript

Revenue

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

NYAX

NYAX fundamentals

You can ask Aime