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IPAS Indexo
IPAS Indexo (IDX1R) investor relations material
IPAS Indexo Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Feb, 2026
Executive summary
Achieved significant milestones in 2025, including acquiring controlling stakes in DelfinGroup (71.52%) and VAIRO (100%), and launching a bank that accelerated growth in the second half of the year.
Achieved strong growth across all key operations, with financial results in line with public guidance.
Pension business continued to grow in revenue, profits, and assets under management, with a focus shifting toward voluntary pension savings.
Group consolidated loss for 2025 was EUR 7.74 million, slightly better than guidance, but the group is already profitable as of January 2026.
Group structure now includes asset management, banking, and non-bank lending, with synergies expected to materialize in 2026 and 2027.
Financial highlights
Group total revenues reached EUR 6.7 million, up 60% year-over-year.
Consolidated loan portfolio at EUR 224 million; total assets exceed EUR 280 million; total equity at year-end was EUR 73 million.
Bank's net loss for 2025 was EUR 9.25 million, with significant revenue growth in H2.
DelfinGroup posted record net profit of EUR 9.62 million, up 32% year-over-year, and issued EUR 135 million in new loans (up 30% YoY).
Pension business profitability exceeded EUR 2 million, with positive real returns for customers.
Outlook and guidance
Group expects synergies from acquisitions to drive profitability in 2026 and 2027, with pensions and DelfinGroup estimated to generate over EUR 10 million in net profits annually.
SME banking services are in development, with timing dependent on IT investments.
Additional external capital will be required to achieve bank's strategic targets in 2026.
Quantify 2026 DelfinGroup synergy impact
SME lending: What are the next development steps?
Pension client engagement: What are the plans?
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Next IPAS Indexo earnings date
Q1 202613 May, 2026
IPAS Indexo
Next IPAS Indexo earnings date
Q1 202613 May, 2026
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Frequently asked questions
IPAS Indexo AS is a Latvian investment management company focused on providing asset and investment management services. The company primarily offers investment plans for state-funded pension schemes and private pension plans. Established in 2017, Indexo aims to cater to the financial needs of individuals and institutions by managing pension assets and ensuring long-term financial growth for its clients. The company is headquartered in Riga, Latvia, and its shares are listed on the Nasdaq Riga.
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