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doValue (DOV) investor relations material

doValue Q2 2026 earnings summary

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

Q2 2026 earnings summary6 Aug, 2026

Executive summary

Q2 2026 marked the first full quarter of coeo consolidation, driving diversification across geographies, clients, and credit segments, with digital receivables now a significant revenue contributor.
H1 2026 gross revenue reached €301.6 million (+7% YoY), with digital collections accounting for 31% of group revenue and coeo's integration significantly expanding scale and resilience.
Group EBITDA excluding non-recurring items was €121 million for H1 2026, with Q2 EBITDA up 21% YoY to €58 million, reflecting coeo's contribution and disciplined cost actions.
The group achieved its new business target six months ahead of plan, adding €27 billion of new business since the start of the plan.
Commercial momentum continued with 5 million new files onboarded and 11 new contracts signed in 2026, adding over €10 million annualized revenue.

Financial highlights

Q2 2026 gross revenue rose 30% YoY to €181 million; H1 gross revenue was €301.6 million (+7% YoY), with net revenue up 17% to €148 million, mainly due to coeo's first-time contribution.
Q2 EBITDA excluding non-recurring items was €58 million (margin 32%), and H1 EBITDA ex NRI was €92.6 million (margin 30.7%).
Group net income excluding non-recurring items was €3.3 million in Q2, stable YoY; H1 net income ex NRI was €2.2 million.
Free cash flow reached €54.1 million in Q2, up from €19 million in Q2 2025; recurring free cash flow was €68 million.
Net debt at June 2026 was €855-865 million, with net leverage at 3.1x; pro forma leverage post-portfolio sale would be 2.6x.

Outlook and guidance

Full-year 2026 EBITDA guidance of approximately €300 million is confirmed, contingent on continued digital segment growth, coeo performance, and cost adaptation.
€90 million free cash flow guidance for 2026 is confirmed, with the planned coeo portfolio sale expected to support deleveraging.
Management expects secondary sales to materialize in H2, with a conservative approach in guidance.
Achievement of leverage target depends on completion of the planned coeo portfolio sale and positive NPL working capital dynamics.

Coeo's impact on Group revenue diversification

Drivers of Hellenic region margin resilience

Interest savings from recent debt refinancing

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