Q3 2026 Key Highlights at a Glance
- Growth of operating profit by 77% versus prior year and by 4% one-off adjusted
- Continues good cost control
- Payments as the key growth engine after slower H1 – EBIT growth by 3.2mE (one-off adjusted)
- Another good quarter, but flattish YoY Banking Solutions
- Dedicated Solutions declining due to missing projects mostly in B&H (utilities and roads)
- YoY operating cash flow and cash conversion improved
- Q3 transactions:
468m (-16%) eCommerce transactions, 199m (+47%) IPD transactions, 173m (+11%) processing of physical card transactions
Key Financial Figures
| 9 months ended 30 September 2026 PLN'000 | 9 months ended 30 September 2025 PLN'000 | 9 months ended 30 September 2026 EUR'000 | 9 months ended 30 September 2025 EUR'000 | |
|---|---|---|---|---|
| Sales revenues | 1,346,378 | 1,263,906 | 314,574 | 298,337 |
| Operating profit | 205,216 | 145,726 | 47,948 | 34,398 |
| Pre-tax profit | 198,535 | 150,340 | 46,387 | 35,487 |
| Net profit for the reporting period | 152,366 | 116,696 | 35,600 | 27,545 |
| Net profit attributable to Shareholders of the Parent Company | 155,851 | 133,224 | 36,414 | 31,447 |
| Net cash provided by (used in) operating activities | 262,938 | 164,737 | 61,434 | 38,885 |
| Net cash provided by (used in) investing activities | (40,857) | (86,283) | (9,546) | (20,367) |
| Net cash provided by (used in) financing activities | (201,471) | (123,917) | (47,073) | (29,250) |
| Cash and cash equivalents at the end of the period | 306,353 | 311,942 | 70,149 | 73,803 |
| Basic earnings per ordinary share for the reporting period attributable to Shareholders of the Parent Company (in PLN/EUR) | 3.00 | 2.57 | 0.70 | 0.61 |
| Diluted earnings per ordinary share for the reporting period attributable to Shareholders of the Parent Company (in PLN/EUR) | 3.00 | 2.57 | 0.70 | 0.61 |
