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- **Strong Q3 Growth**: 6% organic revenue, 7% EBITDA, 37% EPS growth. $70M share buyback authorization.
- **Regional Strength**: North America +8%, Europe +8%, Latin America flat, Rest of World down double digits.
- **SMB Challenges**: 33% of revenue from low-margin ISOs, despite 20% new mid-growth.
- **Digital Wallets**: eCash product milestone, but delays in new solutions.
- **2025 Outlook**: 5-6% organic growth, EBITDA 4-5%, EPS $1.83-1.88. Aiming for 2026 EBITDA growth of high single digits.
- **Q&A Takeaways**: SMB growth requires patience, e-commerce risks in noncore verticals, wallet delays due to regulatory complexity.

**【CEO Summary Section】**
- **Q3 Financial Highlights**: Organic revenue growth of 6%, adjusted EBITDA up 7% to $126.6 million, and adjusted EPS of $0.70, a 37% year-over-year increase. $20 million returned to shareholders via share buybacks, with an additional $70 million authorized for repurchases.
- **Regional Performance**: North America grew 8% (50% from iGaming), Europe 8%, Latin America flat (due to a large contract renewal), and Rest of World down double digits (Skrill/Neteller decline).
- **Client Wins**: Signed with BetMGM for Ontario online payments, expanded with Underdog in predictions markets, and added eCash solutions for Stake.com and Betano.
- **SMB Growth**: New mid-growth accelerated to 20% in Q3, but margin pressure from 33% of revenue coming from lower-margin ISOs.
- **Digital Wallets**: eCash product registrations hit 500,000, PagoEfectivo wallet launched in Peru, but delays in new wallet solutions due to regulatory complexity.

**【CFO Financial Commentary】**
- **Financial Results**: GAAP net loss of $87.7 million (non-cash tax adjustment), unlevered free cash flow of $83.6 million (66% conversion). Full year guidance updated to 5-6% organic growth, adjusted EBITDA 4-5%, and EPS $1.83-1.88.
- **Segment Performance**: Merchant solutions volume up 9%, digital wallets volume up 13% (4% organic). Digital wallet EBITDA up 8% to $93.4 million, gross margin 71%.
- **Leverage**: Net debt $2.5 billion, net leverage 5.2x (impacted by stronger euro and divestiture). Aiming to delever to below 4x by 2027.

**【Q&A Highlights】**
- **SMB Growth Drivers**: Accelerating Clover product sales, value-added services (lending, payroll) to reduce attrition. Requires time to compound mid-growth.
- **E-commerce Deceleration**: Noncore verticals (travel, high-risk MCC codes) saw client shutdowns, offsetting 50%+ iGaming growth.
- **Wallet Delays**: Regulatory and banking ecosystem inertia slowed new product launches, but demand remains strong.
- **2026 Outlook**: Mid-single digit revenue growth, high single-digit EBITDA growth, with focus on optimizing business mix.

Paysafe Limited (PSFE) 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

PSFE

PSFE fundamentals

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