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Huddlestock Fintech
Huddlestock Fintech (HUDL) investor relations material
Huddlestock Fintech Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Feb, 2026
Executive summary
Achieved key milestones in German IaaS expansion, including a soft launch of crypto trading on the Gigabroker platform in December 2025 and signing Modern Finance Nation as a second customer, supporting growth targets for 2026.
Completed major restructuring and divestment of non-core, cost-intensive businesses, resulting in a leaner organization and lower cost base, with further reductions expected into 2026.
Focused on two main business areas: Consulting (Visigon) and Investment-as-a-Service (IaaS), both with recurring revenue models and high scale potential.
Strategic focus on scaling the European IaaS platform and expanding outside the Nordic region, with main revenues in 2026 expected from Consulting.
Obtained a MiCA license, enabling crypto trading services and supporting European expansion.
Financial highlights
Q4 2025 revenue reached NOK 11.2 million, a 15% increase quarter-over-quarter but a 43% decrease year-over-year due to divestments.
Consulting (Visigon) delivered its strongest quarter in Q4 2025, up 32% sequentially from Q3, with NOK 35 million income and 7% EBITDA margin for 2025.
Q4 2025 EBITDA improved by 8% year-over-year (adjusted), but full-year 2025 EBITDA was negative NOK 27.8 million.
Cash position at year-end was NOK 4.6–5 million, with total liquidity (including Done.ai shares and overdraft) at NOK 16 million.
Board confident in current capital situation, with access to bridge financing if needed.
Outlook and guidance
Launch of own white label trading solution in April 2026, with Gigabroker going live in June 2026.
Ambition to turn the business cash positive within 2026, with the German IaaS platform and Consulting division targeting cash flow positivity.
Consulting targets NOK 100 million revenue and at least 20% EBITDA margin by 2028, financed by operational cash flow.
Continued focus on expanding customer base in both business areas, with several sales processes ongoing and commercial expansion expected in 2026.
Additional cost reductions expected in 2026 as operational efficiency initiatives continue.
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Next Huddlestock Fintech earnings date
Q1 202628 May, 2026
Huddlestock Fintech
Next Huddlestock Fintech earnings date
Q1 202628 May, 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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