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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
Double-digit revenue growth in Q3, with total revenue up 12% year-over-year and contribution margin expanding by 2 percentage points.
EBITDA increased 23% to €33 million, driven by higher revenue and strict cost control.
Annualized return on equity reached 11%, reflecting improved profitability and lower financial expenses.
Net profit after tax was EUR 9.6 million, up from EUR 0.6 million year-over-year.
Collection performance was 98% for the quarter and 100% year-to-date, with expectations to remain at forecast levels.
Financial highlights
Gross revenue for the group was €78 million, down 9% year-over-year due to Spanish portfolio sales, but underlying like-for-like growth was 11%.
Group total revenue was €62 million, up 12% year-over-year.
EBITDA margin stood at 53%, up from 48% year-over-year.
Cash EBITDA was €49 million, down from €59 million due to prior Spanish portfolio sales.
Net financial expenses decreased 23% year-over-year due to lower IBOR and net debt.
Outlook and guidance
Collection performance expected to remain around 100% going forward.
NPL investments for 2025 projected at €50–100 million, with a pickup expected after a cautious first half.
Double-digit growth in 3PC segment expected to continue over the next 12 months, especially in Norway and Spain.
Refinancing risk significantly reduced with new bond issuance and RCF extension; no major maturities until Q3 2027.
Advanced discussions underway for a small backbook portfolio sale.
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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