OFX Group Limited (OFX) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:01.718 -- 00:00:05.002 Thank you, Mel, and thank you, everyone, for joining the call. 00:00:05.002 -- 00:00:09.587 As Mel mentioned, I'm joined by Selina Vernon, our Chief Financial Officer, and Matt 00:00:09.587 -- 00:00:14.372 Gregorowski, who leads our Investor Relations Program with Sedalia & Co. 00:00:14.372 -- 00:00:19.218 Selina and I will take you through the pages, and then there'll be time for Q&A. 00:00:19.218 -- 00:00:24.344 The presentation will cover three things, our fiscal year 25 results and the performance 00:00:24.344 -- 00:00:29.349 drivers, our financials in more detail, our strategy and our outlook, 00:00:29.349 -- 00:00:34.492 and then we'll do Q&A. Let's move to slide four in the pack. 00:00:34.492 -- 00:00:40.001 The business demonstrated resilience in what was a very unusual macroeconomic environment. 00:00:40.001 -- 00:00:44.288 The weak business confidence we saw in the first half continued through the second half 00:00:44.288 -- 00:00:48.655 with political instability and the prospect of tariffs later in the period adding to 00:00:48.655 -- 00:00:50.138 uncertainty. 00:00:50.138 -- 00:00:55.229 This meant that our results were below our expectations that we set out of the half year 00:00:55.229 -- 00:00:58.052 with net operating income of 214.9 00:00:58.052 -- 00:01:03.517 million down 5.5% versus prior corresponding period and underlying EBITDA 00:01:03.517 -- 00:01:07.921 of 57.7 million down 10.7% versus 00:01:07.921 -- 00:01:11.584 PCP with an underlying EBITDA margin of 27%. 00:01:11.584 -- 00:01:16.849 The team worked very hard to drive the business leaders within our control 00:01:16.849 -- 00:01:22.254 while continuing to invest in creating a bold new company that supports our clients 00:01:22.254 -- 00:01:25.250 in m...