OFX Group Ltd (Ozfry) Full year 2025 earnings sound highlights: resilience in the middle of the challenges

Appearance date: May 20, 2025

You can find the complete copy of the earnings call in the complete earnings call.

• OFX Group Ltd (Ozfry) showed resistance in a challenging macroeconomic environment, with healthy margins and cash flows being maintained.

• The company has completed an extensive share of the share and repaid 24 million US dollars from outstanding debts, which introduces strong cash management.

• The sales of corporate segment increased by 17%, which is due to the contributions of new partners and long -standing customers.

• OFX Group LTD (Ozfry) is the first non-banking issuer of corporate cards in Canada with a visa, which indicates strong business skills and balance sheet strength.

• The company is investing in strategic transformation through the OFX 2.0 strategy that aims to expand its promise of value and the entire addressable market.

• The operating result decreased by 5.5% and the underlying EBITDA fell by 10.7% compared to the previous period.

• The business confidence was steamed, especially from small to medium -sized companies, which led to a decline in the average transaction values.

• Sales in the corporate segment decreased by 4% due to a decline in the average transaction values ​​of 22.8%.

• The consumer segment recorded a decline of 1%, with the transactions, despite an increase in the average transaction values, declined by 7.3% by 6.4%.

• OFX Group LTD (Ozfry) is pending due to the prospects for mixed interest rates and persistent cost pressure with uncertainty in the provision of a clear financial year '26.

Q: Can you explain the changes in the reinvestment profile and the effects on the growth goals? A: Unidiendified_1: The Reinvestition Profile has shifted to drive operating costs forward and concentrate on the market launch programs and commercial resources. This adaptation is based on a better understanding of the functionality of this lever, which gave us confidence in the achieved returns despite the current challenges in the prediction of the Kern-FX growth.

Q: How do you expect interest income and non-FX income in the coming year? A: Unidientified_2: Interest income can drop if interest rates drop, but the growth of the forest pictures of the customer could compensate for. Sales with non-FX sales are expected to increase considerably if the new client platform in Canada and Great Britain is increased with increasing acceptance of new and migrated customers.

Q: Can you give insights into the company's customer behavior because tariff threats and recent sales trends? A: Unidiendified_1: In February, corporate customers were careful due to the unclear tariff implementation, which influenced the transaction values. However, the activities were recorded in March and April, and trust won trust, which led to strong growth in sales in April in corporate and consumer segments.