The Payments Group Holding Updates Financial Outlook Through 2028 and Advances AI Initiatives

The Payments Group Holding (PGH) has updated its preliminary financial targets for the next three years, projecting substantial growth through 2028. The company anticipates that the pending acquisition of 75% of The Payments Group companies (TPG), agreed in August 2024, will finalize in 2025, leading to full consolidation into the enlarged Group from 2026 onward. TPG's gross transaction volume is expected to increase from 80 million EUR in 2024 to nearly 100 million EUR in 2025, with accelerated growth momentum projected through 2028 due to the recently obtained e-money license. This growth could see transaction volumes reaching between 800 million and 1.9 billion EUR by 2028.

Revenue projections indicate even more dramatic growth, with TPG's revenue expected to triple to quintuple from just over 7 million EUR in 2024 by 2028, representing annual growth rates between approximately 30% to 60%. The PGH Group's EBITDA is forecasted to reach between 5 million and 12 million EUR in 2028, with 2026 projections between 2 to 2.5 million EUR. The company notes that these targets do not account for potential entry into the stablecoin business, which management's preliminary assessment suggests could significantly impact or even shape the Group's EBITDA from 2027 onward. More information about the company's strategic direction is available at https://www.tpgholding.com.

PGH has made significant progress in its artificial intelligence initiatives through Softmax AI, the AI company builder it founded. The first successful spin-off, Cognicare AI GmbH, develops and operates AI-supported software assistance systems for the care sector, creating a digital ecosystem to reduce nursing staff workload and improve resident safety in inpatient facilities. The system has already demonstrated success in pilot operations, with additional facilities scheduled for implementation and six other care facilities expressing concrete interest without active marketing efforts. The addressable market comprises approximately 11,000 inpatient care facilities in Germany.

Beyond Cognicare AI, several other products and potential spin-offs are in development, including Inspectos, a computer vision tool for component assessment and documentation, and Jobklar, an online AI job application trainer. Softmax has also initiated a promising new project based on discussions with medium-sized companies, building on technology related to existing applications. The company's strategic focus on AI complements its core payments business, positioning PGH for diversified growth across multiple technology sectors while maintaining its foundation in financial services and payment processing.