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Axactor (ACR) investor relations material

Axactor Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary14 Aug, 2025

Executive summary

  • Refinancing completed with a two-year RCF extension and a new €125M bond at over 3 percentage points lower interest, reducing refinancing risk and extending maturities.

  • Strategic focus is shifting from refinancing to NPL investments and growth, supported by new large contracts and a strong 3PC pipeline.

  • Collection performance reached 102% for the quarter, exceeding forecasts for the second consecutive quarter.

  • 3PC segment delivered 14% year-over-year revenue growth, with strong results in Norway and Spain and major new agreements secured.

  • Annualized return on equity was 8% (12% excluding non-recurring items) for the quarter, and 10% year-to-date.

Financial highlights

  • Gross revenue for Q2 2025 was €81M, down 9% year-over-year due to Spanish portfolio sales, but only 1% lower excluding divestments.

  • Total revenue grew 8% year-over-year to €63.8M, with NPL collection performance at 102%.

  • 3PC segment revenue was €15M, up 14% year-over-year, with all markets contributing to growth.

  • EBITDA margin was 51% (54% excluding non-recurring items); cash EBITDA was €50M, down from €61M in Q2 2024 due to Spanish portfolio sale.

  • Net profit after tax for Q2 was €6.9M; EPS was €0.023.

Outlook and guidance

  • No major debt maturities are expected before late Q3 2027; RCF matures mid-2028.

  • NPL investments are expected to accelerate in H2 2025, with annual investment guidance of €100–200M for 2024–2026.

  • Collection performance is expected to remain around 100% going forward.

  • Quarterly OpEx is expected to decrease by €800K post IT migration, with full savings from Q4 2025.

  • 3PC segment momentum remains strong, with further growth anticipated across all active countries.

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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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