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Intrum (INTRUM) investor relations material
Intrum Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
EBIT increased 29% year-over-year to SEK 1,326M, the highest Q2 EBIT since 2022, with net income turning positive at SEK 324M from a loss of SEK -1,334M, driven by cost control and operational efficiency.
Recapitalisation completed, aligning capital structure with business plan and strategy, including a 10% debt haircut, new bond issuance, and share issue.
Technology rollout accelerated, with Ophelos and Voice AI platforms expanded to eight markets, driving efficiency, higher collections, and improved customer satisfaction.
Servicing margin improved for the fifth consecutive quarter, with EBIT margin rising to 24%.
Focus remains on margin improvement, cost control, and regaining top-line growth, especially outside Southern Europe.
Financial highlights
EBIT up 29% year-over-year to SEK 1,326M; adjusted EBIT up 33% to SEK 1,386M.
Net income for the quarter at SEK 324M, a turnaround from a loss of SEK -1,334M year-over-year.
Group income decreased 9% year-over-year to SEK 4,206M, mainly due to FX and lower book value in Investing.
Total costs reduced by 16% year-over-year, with adjusted costs down 17%.
Cash and cash equivalents stable at SEK 3 billion at quarter-end.
Outlook and guidance
Margin improvement in Servicing expected to continue, targeting a 25% adjusted EBIT margin by 2026.
Expect continued deleveraging as cash flow is dedicated to investing and debt reduction.
Technology adoption to drive further efficiency, with Ophelos to cover 60% of commercial activity by year-end.
Investment pace targeted at SEK 2 billion annually, with flexibility to increase if conditions allow.
Strategic initiatives to drive Servicing topline growth and margin expansion.
How will Ophelos impact results in 2026?
What drove the Investing EBIT increase?
What is the status of the Cerberus partnership?
What's driving servicing top line improvement?
What IRR is expected for new investments?
What's the target leverage ratio by year-end?
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