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flatexDEGIRO (FTK) investor relations material
flatexDEGIRO Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Q3 revenue rose 13.8% YoY to €150.3m and net profit increased 29.2% to €50.3m; 9M revenue grew 19.5% to €490.4m and net profit rose 37.2% to €165.4m.
Strong 9M performance supports reiterated 2026 guidance; management expects to achieve or exceed 2027 financial targets one year early.
Customer assets under custody reached a record €112.7bn and customer accounts totaled 3.72m, up 10.0% YoY.
Financial highlights
9M operating profit rose 35.6% to €232.3m; gross profit increased 21.6% to €427.0m.
Q3 operating profit advanced 22.9% to €70.8m; Q3 gross profit was €132.4m, up from €112.1m YoY.
Q3 commission income was €89.4m, up 6% YoY; interest income rose 33% to €55.9m, supported by customer deposits, rates, margin loans and treasury activity.
9M commission income was €312.2m (+18.4%); interest income was €158.0m (+23.2%).
9M operating expenses rose 8.3% to €194.7m, slower than gross profit growth.
Outlook and guidance
FY 2026 revenue guidance remains ~€650m, implying ~16% YoY growth; net profit is expected at €200m–€230m, up ~25%–43%.
2027 financial targets are expected to be achieved or exceeded in 2026; updated mid-term ambitions are planned for 24 February 2027.
Customer growth ambition remains at least 10% for 2026; 250,000 customers were added in 9M, with management citing marketing and pension-account launches as support for Q4 growth.
- Record revenues, strong customer growth, and new products drive robust 2026 outlook.FTK
Corporate presentation - Q2 2026 net income up 55% and revenue up 26%, prompting a raised full-year outlook.FTK
Q2 2026 - Record 2025 revenues, product innovation, and IT integration drive robust growth outlook.FTK
Corporate presentation - Upgraded 2025 guidance, expanded crypto trading, and targets €650m revenue by 2027.FTK
Corporate presentation - Record growth, efficiency gains, and product expansion drive ambitious 2027 targets.FTK
Corporate presentation - Record Q1 2026: revenues +19%, net income +28%, strong trading and product expansion.FTK
Q1 2026 - Record revenues and net income, upgraded guidance, and new products mark a standout 9M 2024.FTK
Q3 2024 - Net profit tripled and revenues hit record highs in H1 2024, with strong capital returns.FTK
Q2 2024 - Record Q1 2025 revenue and net income growth driven by trading activity and customer inflows.FTK
Q1 2025
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