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Visual21 Nov 2025
Data center suppliers
Huddlestock Fintech (HUDL) investor relations material
Huddlestock Fintech Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Nov, 2025
Executive summary
Completed major restructuring, divesting the Nordic Investment as a Service (IaaS/laaS) business and shifting to an asset-light model focused on continental Europe, with Germany as the initial target market.
Secured first customer and a second LOI for the European IaaS/laaS platform, with a soft launch planned for December 2025 and broader rollout in H1 2026.
Strengthened management and board, including a new CFO and board members with German market expertise, to support the next growth phase.
Focused on portfolio optimization, resource efficiency, and long-term value creation across business areas.
Achieved BaFin approval to accept and transmit crypto orders, expanding the addressable market.
Financial highlights
Q3 2025 operating income was NOK 9.7 million, down from NOK 15.5 million year-over-year, mainly due to divestments.
EBITDA for Q3 2025 was negative NOK 6.3 million, with pro-forma EBITDA at negative NOK 5.5 million, excluding one-off costs.
Net result for Q3 2025 was a loss of NOK 41.5 million, compared to a loss of NOK 19.8 million in Q3 2024.
Cash position at 30 September 2025 was NOK 1.9 million, supported by Done.ai shares valued at NOK 31.1 million.
Total operating expenses reduced by NOK 4.3 million sequentially from Q2 2025.
Outlook and guidance
IaaS/laaS business expected to become cash flow positive in 2026 as more customers join and cost discipline continues.
Consulting division (Visigon) targets NOK 100 million revenue and over 20% EBITDA margin by 2028, aiming to fund its own growth through positive cash flow.
Expecting to sign a third customer for the IaaS/laaS platform in early 2026.
Growth strategy includes expanding consulting services in continental Europe, leveraging Nordic experience.
How will IaaS achieve cash flow positive in 2026?
What adjacent products for Visigon growth?
What is the current funding runway?
Key drivers for European IaaS cash positive by late '26
Visigon's managed services impact on 2028 goals
Strategic use of Done.ai shares for growth funding
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Next Huddlestock Fintech earnings date
Q4 202520 Feb, 2026
Next Huddlestock Fintech earnings date
Q4 202520 Feb, 2026
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Frequently asked questions
Huddlestock Fintech AS is a Norwegian fintech company that develops and implements software-as-a-service (SaaS) solutions for custody banks, asset managers, and trading venues. The company offers a range of digital services, including client onboarding, portfolio management, order execution, and reporting, as well as providing financial consultancy services. Its technology aims to streamline processes in capital markets, wealth management, and treasury sectors. Huddlestock Fintech is headquartered in Stavanger, Norway, and its shares are listed on the Oslo Stock Exchange.
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