EML Payments Limited (EMCHF) Q4 2026 Earnings Call Transcript

SA Transcripts 161.9K Followers Follow EML Payments Limited ( EMCHF ) Q4 2026 Earnings Call August 17, 2026 7:00 PM EDT Company Participants Anthony Hynes - Executive Chairman Stuart Will - Chief Financial Officer Conference Call Participants Elise Kennedy - Petra Capital Pty Limited, Research Division Richard Harrisberg - Canaccord Genuity Corp., Research Division Presentation Operator Thank you for standing by, and welcome to EML Payments Limited Full Year 2026 Results Briefing. [Operator Instructions] I would now like to hand the conference over to Mr. Anthony Hynes, Executive Chairman. Please go ahead. Anthony Hynes Executive Chairman Thank you, moderator, and good morning, everyone. Welcome to the EML Payments Limited FY '26 Results Telecall. As stated, I'm Anthony Hynes, Executive Chairman. It's great to be here with Stuart Will, our CFO, to report our results for FY '26 and provide an update on EML 2.0 progress. Following our presentation, we'll open the call to questions. I'll refer you first to the ASX announcements, which were issued by EML Payments Limited this morning, which formed the basis for this call. If we can move to Slide 4, please, moderator. It's been an incredibly busy and important 12 months of EML as we passed the halfway point of EML 2.0, the transformation strategy we presented to shareholders and the investment community in November 2024. As always, I'm going to be upfront with you all. Our financial performance this year didn't meet our expectations. There are a bunch of reasons, but thematically, onboarding of new customers and net new revenues was slower than we could have anticipated, and we had softer trading in parts of Northern Hemisphere in the second half. I'll unpack those drivers shortly. That said, let me be equally clear on this point. EML is a much stronger business today than it was a year ago, and that is down to