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Axactor (ACR) investor relations material
Axactor Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Delivered double-digit revenue growth in Q3 2025, with total revenue up 12% year-over-year and EBITDA rising 23% to EUR 33 million, driven by strong 3PC and NPL segment performance and cost control.
Annualized return on equity reached 11%, supported by improved revenue and reduced financial expenses.
EBITDA margin expanded to 53% from 48% year-over-year.
Net profit after tax was EUR 9.6 million, up from EUR 0.6 million year-over-year.
Successfully secured refinancing options and listed a new EUR 125 million bond on Oslo Børs.
Financial highlights
Gross revenue for the group was EUR 78 million, down 9% year-over-year due to Spanish portfolio sales, but underlying like-for-like growth was 11%.
Group total revenue was EUR 62 million, up 12% year-over-year.
Cash EBITDA was EUR 49.4 million, down from EUR 58.5 million year-over-year.
Operating profit (EBIT) was EUR 30.7 million, up from EUR 24.1 million year-over-year.
Net financial expenses decreased 23% year-over-year due to lower net debt and interest rates.
Outlook and guidance
Collection performance expected to remain around 100% going forward.
NPL investments for 2025 guided at EUR 50–100 million, with a pickup expected after a cautious first half.
3PC segment expected to maintain double-digit growth over the next 12 months, especially in Norway following a new contract.
Refinancing risk significantly reduced with new bond issuance and RCF extension.
No major debt maturities expected in the next two years, providing financial flexibility.
Reconcile NPL investment guidance with pipeline strength?
3PC margin impact from new business costs?
Quantify competitive edge from new regulations?
Explain specific 3PC growth drivers in Norway/Spain.
How will NPL investment strategy adapt to IRR pressure?
Comment on potential for further bond spread tightening
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Q4 202512 Feb, 2026
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Frequently asked questions
Axactor, through its subsidiaries, operates as a debt management company in Sweden, Finland, Germany, Italy, Norway, and Spain. It offers services to financial institutions related to their non-performing unsecured consumer loan portfolios; and solutions for the acquisition and servicing of sub-performing accounts receivables.
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