Q3 2025 Riskified Ltd Earnings Call Transcript
Key Points
- Riskified Ltd (RSKD) reported a significant turnaround in non-GAAP gross profit, improving from a 4% decline in the first half of the year to 5% growth in Q3.
- The company achieved record third-quarter revenue of $81.9 million, up 4% year over year.
- Riskified Ltd (RSKD) saw a 100% year-over-year growth in its money transfer and payments category, driven by new business activity.
- The company returned to meaningful adjusted EBITDA margin expansion in Q3, improving by approximately 560 basis points year over year.
- Riskified Ltd (RSKD) maintained a healthy cash flow model, achieving quarterly free cash flows of $13.4 million in Q3.
- Revenue in the United States declined 12% year over year, primarily due to contraction in the home category.
- The home category contracted by approximately 70% year over year.
- There was softness in the tickets and live events vertical due to tougher second-half comparable periods versus 2024's record level of activity.
- The fashion and luxury category faced continued same-store sales pressure, particularly within the high-end fashion vertical.
- The company anticipates additional headwinds from newer regions and newer categories, which may impact gross margins.
Good day and thank you for standing by. Welcome to the risk of 3rd quarter 2025 earnings call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question-and-answer session. To ask a question during the session, you will need to press 11 on your telephone. You will then hear an automated message advising that your hand is raised. To withdraw your question, please press 11 again. Please be advised that today's conference is being recorded. I would now like to hand the conference over to your first speaker today, Chet Mandelel, head of investor relations. Please go ahead.
Good morning and thank you for joining us today. My name is Chet Nandel, Risky's head of investor relations. We are hosting today's call to discuss Riskified financial results for the 3rd quarter of 2025.
Participating on today's call Aridogal, Riskide's co-founder and Chief Executive Officer, and Agi Docheva, Riskide's Chief Financial Officer.
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