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Enity
Enity (ENITY) investor relations material
Enity Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Feb, 2026
Executive summary
Achieved record full-year results in 2025, celebrating 20th anniversary and successful IPO, with double-digit loan book growth and stable margins despite challenging Nordic market conditions.
Board proposes a SEK 1.4 per share dividend, corresponding to a 20% payout.
Transformation, efficiency, and digitalization supported strategy and market expansion.
Completed acquisition of Eiendomsfinans AS and prepared for full consolidation of Uno Finans AS in 2026.
Financial highlights
Loan book grew 10% year-over-year (currency adjusted), meeting the 8%-10% target.
Adjusted operating profit increased 17% to SEK 593m; net profit up 38%.
Net interest income rose 9.3% to SEK 1,218m; net interest margin stable at 4.0%-4.1%.
Adjusted RoTE reached 19.2%, close to the 20% target.
Cost-to-income ratio improved to 46%-48.2%; CET1 ratio at 14.1%, 215 bps above regulatory requirement.
Outlook and guidance
Expect continued loan book growth of 8%-10% and gradual decline in net interest margin.
Marketing spend to increase in 2026 to capitalize on improving market conditions.
Cost base expected to grow by 4% due to inflation, with additional SEK 50 million from Eiendomsfinans and SEK 20 million in marketing.
Regulatory changes in Sweden (LTV cap, amortization, DTI) expected to support growth from April 2026.
Medium-term targets: 8-10% annual lending growth, ~20% ROTE, CET1 ratio 200-300 bps above regulatory minimum, and 20-40% dividend payout.
Expected financial contribution from Uno Finans 2026?
What drives credit loss ratio decrease expectation?
Weak NOK impact on 2026 operating profit?
How will new Swedish broker rules impact M&A strategy?
What drives expected NIM decline in 2026?
How will 2026 cost increases affect C/I target?
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Next Enity earnings date
Stora Aktiedagarna 202610 Mar, 2026
Enity
Next Enity earnings date
Stora Aktiedagarna 202610 Mar, 2026
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