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Intrum (INTRUM) investor relations material
Intrum Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Underlying business performance remained solid, with profitability improving in Q3 2025 due to strong cost control and operational efficiency, despite significant one-off items and a comprehensive review of intangible assets.
Adjusted EBIT increased 30% year-over-year, but reported EBIT fell to nearly -SEK 600 million due to SEK 1.6 billion in goodwill and intangible impairments.
Net income attributable to shareholders was SEK 396 million, marking the third consecutive quarter of positive net profit, compared to a loss of SEK 1,210 million in Q3 2024.
The recapitalisation transaction completed in July 2025 resulted in a net gain of SEK 2.1 billion, strengthening the balance sheet and reducing leverage.
Leverage ratio improved to 4.7x from 4.9x in Q2 2025, with a continued focus on deleveraging and balance sheet strength.
Financial highlights
Total income for Q3 2025 was SEK 4,056 million, down 3% year-over-year, mainly due to negative FX effects and a smaller investment book.
Adjusted EBIT margin rose to 30% from 23% in Q3 2024, driven by lower operational costs.
Operational costs fell 14% year-over-year, with FTEs down 11% to 8,580, and the run-rate cost base now SEK 12.5 billion.
Cash EBITDA from continuing operations increased 5% year-over-year to SEK 2,209 million.
Net profit for the quarter was nearly SEK 400 million, aided by a SEK 2.3 billion gain from recapitalization.
Outlook and guidance
A strategic review is underway to set new long-term priorities and financial targets, with an update expected in the year-end report for 2025.
Continued focus on growing Servicing top line, maintaining high returns in Investing, and further deleveraging.
Pipeline of SEK 1.8 billion in Servicing, with most expected to close in 2025 and ramp-up in 2026.
Ambition to invest SEK 2 billion per year in the Investing segment as a baseline.
Leverage reduction remains the top priority, with more clarity on targets expected in Q4.
Strategic review: expected changes to targets?
Goodwill impairment: Q4 further risk?
Leverage ratio: path to 3.5x by 2026?
New leverage target framework?
Servicing organic growth momentum?
Investing book value stabilization?
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Frequently asked questions
Itrum AB, provides credit management and financial services. It operates through two segments, Contract Handling and Small Business Finance. The Contract Handling segment offers financial guarantee products, including performance, payment, and insolvency guarantees; contract surety products; payment protection solutions; and factoring services. This segment also provides credit facilitation services consisting of collection, charge-off management, dispute handling, debt recovery, and customer communication, as well as subrogation management services; customer information and dispute data processing services; and electronic value added services. In addition, this segment offers decommissioning solutions to capital equipment operators and owners in the oil and gas industry. The Small Business Finance segment offers secured loans to commercial companies and small businesses in Sweden; SME loans in Sweden and Finland; leasing services for financing industrial machines in France; small business lending in Great Britain; and factoring services in France.
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