#Cyprus #Nicosia #Q2 2025 #ISX Financial #Profit Report

Financial Performance Overview of ISX Financial EU Plc

ISX Financial EU Plc, an innovative provider of regulated transactional banking services and real-time payment technology, has reported impressive financial performance for the second quarter of 2025. The company revealed an unaudited profit of €6.3 million, showcasing a respectable increase of 2% compared to the previous quarter and a remarkable rise of 7% year-over-year. This achievement comes even as the revenue and transaction volumes experienced a decline compared to Q1 2025.

Profit Highlights

The notable profit has been attributed to the company’s disciplined cost management, efficiency improvements, and strategic reduction in operating costs. Additionally, a reversal of asset impairment charges contributed positively to the bottom line. Despite experiencing challenges with declining sales and transactional volumes, ISX maintained a robust EBITDA margin of 57%, illustrating the strength and scalability of its operational framework.

Ajay Treon, ISX’s Chief Financial Officer, commented on the quarterly results, stating, "This quarter's results affirm our business model's resilience and commitment to long-term growth. Our disciplined approach to cost control, focus on innovation, and strategic investment in our workforce and technology have effectively positioned us to withstand short-term fluctuations while continuing to enhance sustainable profitability and shareholder value."

Transaction Volumes and Revenue

ISX Financial recorded a total transaction volume that increased by 4% year-over-year, indicating sustained demand for its core services, which remain strong despite potential seasonal or cyclical fluctuations. However, revenues for Q2 stood at €13.7 million, reflecting a drop from the previous quarter but marking a 5% increase from a year prior, underlining a clear trajectory for mid-term growth.

Solid Financial Position

The financial health of ISX Financial remains robust, as evidenced by a substantial increase in equity. For the quarter, equity rose by 13% compared to the previous quarter and by an impressive 82% year-over-year. The net worth of the company also soared by 95% annually, underscoring its financial strength and capital efficiency. Even with a decline of €20.4 million in funds held for business clients, the book value per share increased by 13% to €0.492, showcasing continued value creation.

Key Financial Metrics for Q2 2025

• - Profit: €6.3 million, up 7% year-over-year, and 2% from Q1 2025.
• - EBITDA Margin: Steady at 57%.
• - Revenue: €13.7 million, 5% higher than the previous year, but down 14% from Q1 2025.
• - Transaction Volumes: Increase of 4% compared to the previous year, decreased by 12% from the last quarter.
• - Operating Costs: Reduced by €2.0 million, 23% lower than Q1 2025.
• - Equity: Increased by €5.3 million, 13% from the last quarter, and €20.1 million, 82% from the previous year.
• - Net Worth: Up by €6.1 million, 13% from the last quarter and 95% from the year prior.
• - Book Value per Share: Increased by €0.06 to €0.492, up 13% in the quarter.

For a detailed view of the full financial report, visit ISX Financial Q2 Report.

About ISX Financial EU Plc

ISX Financial EU Plc is a leading e-money institution and transactional banking service provider in Europe and the UK. The company offers secure real-time payment solutions over bank and card rails. Through its wholly-owned subsidiary Probanx, ISX Group provides innovative software-as-a-service (SaaS) solutions for banks and financial institutions around the globe, successfully connecting banks with central banks.