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Visual21 Nov 2025
Data center suppliers
DelfinGroup (DGR1R) investor relations material
DelfinGroup Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Achieved record-high quarterly profit before tax of EUR 3 million in Q3 2025, up 23% year-over-year, driven by strong loan issuance and revenue growth in Latvia and Lithuania.
Net loan portfolio grew 23% since the start of 2025, reaching EUR 139.2 million, with consumer lending as the main revenue driver.
Cost optimization led to only a slight increase in selling expenses and a decrease in administrative expenses in Q3.
Strategic focus shifted to consumer lending in Lithuania, discontinuing pawnshop and retail operations there.
INDEXO group announced a voluntary share buyback offer, with options for share exchange, cash sale, or retention.
Financial highlights
Q3 2025 revenue reached EUR 20.3 million, a 23% increase year-over-year; 9M 2025 revenue totaled EUR 57.3 million, up 26%.
Net profit for Q3 2025 was EUR 2.33 million (+22% y-o-y); 9M net profit was EUR 6.07 million (+13% y-o-y).
EBITDA for 9M 2025 grew 16% year-over-year; Q3 2025 EBITDA was EUR 6.9 million (+21% y-o-y).
Credit loss expenses increased 44% in Q3 and 57% for 9M, mainly due to loan portfolio growth.
EBITDA margin for Q3 2025 was 33%; net profit margin remained stable at 11%.
Outlook and guidance
Online consumer lending in Lithuania will remain the sole business segment after branch closures.
Revenue share from Lithuania expected to increase as online lending expands.
Management proposes quarterly dividends with a yield of 7.6%, subject to shareholder approval; dividend policy targets up to 50% quarterly payout.
Latvian business lines to continue unchanged.
Impact of Lithuanian segment changes on ROI
How does INDEXO offer impact DelfinGroup strategy
Assess new bond issues' impact on financing costs
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Next DelfinGroup earnings date
Q4 20257 Jan, 2026
Next DelfinGroup earnings date
Q4 20257 Jan, 2026
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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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