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DelfinGroup (DGR1R) investor relations material
DelfinGroup Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
Achieved record-high quarterly revenues of €19.5m in Q2 2025, up 31% year-over-year, and €37.0m for H1 2025, up 27% year-over-year.
Net loan portfolio grew 14% since the start of 2025, reaching €129m, surpassing the 2025 target; loan originations totaled €63m in H1, up 23%.
Net profit for H1 2025 reached €3.7m, up 8% year-over-year; Q2 2025 profit before tax was €2.6m (+12% y-o-y).
Consumer loan issuance in Lithuania launched, contributing €4.4m in H1 and a net portfolio of €3.4m by June 30.
Retail of pre-owned goods generated €9.6m in H1 sales, up 25% year-over-year, driven by online and mobile channels.
Financial highlights
Q2 2025 revenue: €19.5m (+31% y-o-y); H1 2025 revenue: €37.0m (+27% y-o-y).
H1 2025 EBITDA was €11.75m, up 12% year-over-year; EBITDA margin at 33% for Q2 2025.
Net loan portfolio at €129m (+14% since 31.12.2024); assets at €147.5m as of June 30, 2025.
Dividend yield at 7.9% with quarterly payout policy, subject to shareholder approval; H1 2025 dividend payout totaled €1.3m.
Cost of sales and credit loss expenses increased due to higher loan volumes and gold scrap sales.
Outlook and guidance
Continued focus on consumer lending in Lithuania and further online channel expansion.
Cost base optimization initiatives launched in Q2 2025 to improve efficiency and profitability.
Expectation of increased revenue share from Lithuania as operations scale.
Anticipated positive impact on funding costs from potential EURIBOR rate decreases.
Board recommends up to 50% of quarterly profit distributed as dividends.
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Next DelfinGroup earnings date
Q3 20255 Nov, 2025
Next DelfinGroup earnings date
Q3 20255 Nov, 2025
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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.
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