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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
IPAS Indexo
IPAS Indexo (IDX1R) investor relations material
IPAS Indexo Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary10 Nov, 2026
Executive summary
Consolidated 9M net profit was €2.85m, including €0.49m attributable to shareholders; all three quarters were profitable.
Net loan portfolio grew 14% QoQ to €285.3m, while 9M consolidated revenue reached €50.3m.
Pensions, the Bank and DelfinGroup advanced; pension AUM reached €1.75bn and DelfinGroup earned €8.67m in 9M.
Financial highlights
Q3 revenue was €18.06m, up 10% QoQ; net profit was €1.09m, including €0.24m attributable to shareholders.
Q3 net interest income was €15.75m, up 8% QoQ; net commission income rose 21% to €1.57m.
9M net interest income was €44.35m and net commission income €4.02m; 9M net profit was €2.85m, with €0.49m attributable to shareholders.
Q3 expenses were €10.28m, up 13% QoQ; expected credit loss provisions were €5.77m, up 3% QoQ.
Outlook and guidance
Bank monthly revenue is expected to reach €1m in November; operational break-even is targeted for December 2026 before credit-loss allowances, with profitability targeted in Q4 2027.
Additional Q4 2026 consumer-loan allowances of €0.8–1.3m are estimated following model recalibration.
Updated 2026–2029 plan targets consolidated shareholder-attributable net profit of €0.5–1m in 2026 and €37–42m in 2029.
Up to €25.4m is planned to be raised in Sweden, the Baltics and a private placement to fund Bank growth and increase the DelfinGroup stake to 89.99%, subject to filings and approvals.
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Latest events from IPAS Indexo
- A 65% DelfinGroup deal targets €30m+ group profit and €770m+ loans by 2028.IDX1R
Investor presentation - 2029 targets: EUR 1.0-1.2bn loan portfolio and EUR 37-42m attributable net profit.IDX1RInvestor update
- H1 2026 net profit €1.8M, strong segment growth, and new capital drive future expansion.IDX1RQ2 2026
- H1 profitability and lending growth advanced alongside a significant 2025 accounting restatement.IDX1RQ2 2026
- Q1 2026 saw first group profit, 30% income growth, and strong capital and liquidity metrics.IDX1RQ1 2026
- First consolidated profit in Q1 2026, with strong loan growth and solid capital position.IDX1RQ1 2026
- Group revenue up 60%, losses narrowed, and profitability expected in 2026 after key acquisitions.IDX1RQ4 2025
- Majority stake acquisition targets €30M+ profit and €770M+ loan portfolio by 2028.IDX1RStatus update
- AUM up 53% to €1.15B; pension business profitable; bank launches August 28.IDX1RQ2 2024
Next IPAS Indexo earnings date
Q4 202625 Feb, 2027
IPAS Indexo
Next IPAS Indexo earnings date
Q4 202625 Feb, 2027
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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.