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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
DelfinGroup
DelfinGroup (DGR1R) investor relations material
DelfinGroup Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary10 Nov, 2026
Executive summary
Q3 revenue was EUR 21.2m, up 5% YoY; EBITDA rose 14% to EUR 7.9m, PBT rose 30% to EUR 3.9m and net profit rose 27% to EUR 3.0m.
9M revenue was EUR 60.992m, up 6% YoY; EBITDA rose 23% to EUR 22.9m, PBT rose 42% to EUR 11.2m and net profit rose 43% to EUR 8.670m.
Net loan portfolio reached EUR 157.4m at 30 September, up 9% since year-end and 13% YoY; 9M loan issuance rose 3% to EUR 104.2m.
Financial highlights
9M gross profit rose to EUR 27.873m from EUR 24.891m; credit loss expenses were EUR 16.180m versus EUR 15.836m.
Q3 credit loss expenses declined 14% YoY; 9M credit loss expenses increased 2% YoY.
9M selling and administrative expenses totaled EUR 16.7m, flat against EUR 16.9m in 9M 2025.
9M basic EPS was EUR 0.191 versus EUR 0.134; Q3 basic EPS was EUR 0.065 versus EUR 0.051.
Outlook and guidance
Profitability was in line with 2026 guidance; consumer lending growth in Lithuania remained a strategic priority.
A EUR 35m unsecured bond private placement with a 9.5% coupon and three-year maturity had EUR 31.6m subscribed at quarter-end; completion was expected in Q4 2026.
Securitisation is being assessed as a funding source, with a possible 2027 transaction dependent on investor interest, feasibility and market conditions.
Liquidation of the inactive Romanian subsidiary was expected to conclude in Q4 2026; liquidation cash proceeds had been received by 30 September.
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Latest events from DelfinGroup
- Record FY growth exceeded targets, while a Q4 tax charge reduced reported profit.DGR1R
Q4 2023 - Net profit rose 52% to EUR 5.7 million in H1 2026, with strong loan and online sales growth.DGR1RQ2 2026
- Q1 2026 net profit surged 59% on 15% revenue growth, with new products and major financing events.DGR1RQ1 2026
- Revenue up 24%, profit before tax up 35%, and net profit up 32% with strong digital lending.DGR1RQ4 2025
- Record Q3 2025 profit and 23% revenue growth, led by strong loan issuance and online focus.DGR1RQ3 2025
- Record revenue and profit growth in H1 2025, with strong loan and digital expansion.DGR1RQ2 2025
- Record revenue and loan growth drive expansion, supported by a €15m bond issue.DGR1RQ3 2024
- Q1 2025 saw 23% revenue growth, record loan portfolio, and expansion in Latvia and Lithuania.DGR1RQ1 2025
- Record profit, 25% revenue growth, and 27% loan portfolio expansion in 2024.DGR1RQ4 2024
Next DelfinGroup earnings date
Q4 202626 Feb, 2027
DelfinGroup
Next DelfinGroup earnings date
Q4 202626 Feb, 2027
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Frequently asked questions
DelfinGroup AS is a Latvian fintech company specializing in a range of financial services and retail offerings. The company operates primarily through its two main brands, Banknote and VIZIA, providing consumer loans, pawn loans, and Buy Now Pay Later (BNPL) services. DelfinGroup is also involved in the circular economy, selling pre-owned and slightly used goods both online and in its network of over 90 branches across Latvia. The company focuses on enhancing financial inclusion and offers tailored financial products to various customer segments. The company is headquartered in Riga, Latvia, and its shares are listed on the Nasdaq Riga.