)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
eToro Group (ETOR) investor relations material
eToro Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary10 Nov, 2025
Executive summary
Net contribution rose 28% year-over-year to $215 million, with net income up 48% to $57 million and adjusted EBITDA up 43% to $78 million, reflecting strong growth, diversified revenue streams, and disciplined cost management.
Assets under administration surged 76% year-over-year to $20.8 billion, driven by new deposits, strong investment returns, and the Spaceship acquisition.
Funded accounts grew 16% year-over-year to 3.73 million, supported by user acquisition, double-digit organic growth, and the Spaceship acquisition.
Announced a $150 million share repurchase program, including a $50 million accelerated buyback, signaling confidence in long-term strategy and value.
Innovation in AI, crypto, tokenization, and global expansion, with new product launches across trading, investing, wealth management, and neo-banking, are fueling growth and engagement.
Financial highlights
Adjusted EBITDA increased 43% year-over-year to $78 million, with adjusted diluted EPS at $0.60, up from $0.51, and adjusted net income up 35% to $60 million.
Cash, cash equivalents, and short-term investments totaled $1.2 billion as of September 30, 2025.
October 2025: assets under administration at $20.5 billion (up 73% YoY), funded accounts at 3.76 million (up 17% YoY), and total trades at 62 million (up 53% YoY).
Crypto trades in October reached 5 million (up 84% YoY), with invested amount per trade up 52% to $320.
Interest-earning assets for October were $8.7 billion (up 55% YoY); total money transfers reached $1.4 billion (up 116% YoY).
Outlook and guidance
Management expects to maintain double-digit growth in funded accounts, with a long runway for expansion, especially among younger, digital-first investors.
Continued focus on product innovation, global expansion, and leveraging macro tailwinds for long-term growth.
Ongoing investment in AI and crypto initiatives, with plans to expand Copy Trading and launch a crypto wallet.
Cost base expected to remain flat quarter on quarter into Q4.
Forward-looking statements highlight risks from market volatility, regulatory changes, and geopolitical factors.
How does the share repurchase support M&A strategy?
What is the crypto wallet's strategic importance?
What drove the 2.4x QoQ debit card issuance growth?
How AI impacts trade frequency and velocity?
Capital allocation: buyback vs. M&A focus?
Copy Trading U.S. monetization strategy?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next eToro Group earnings date
Q4 202524 Mar, 2026
Next eToro Group earnings date
Q4 202524 Mar, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage