Logotype for Axactor

Axactor (ACR) investor relations material

Axactor Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Logotype for Axactor
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.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Axactor earnings date

Logotype for Axactor
Q4 202512 Feb, 2026
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Axactor earnings date

Logotype for Axactor
Q4 202512 Feb, 2026

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

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.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage