Nowonomics
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Nowonomics (NOWO) investor relations material

Nowonomics Q3 2026 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2026 earnings summary16 Oct, 2026

Executive summary

  • Q3 2026 revenue rose 19.7% YoY to SEK 8.5M; EBITDA was SEK 0.7M versus SEK 0.8M, and net loss was SEK 1.5M versus SEK 1.0M.

  • 9M revenue rose 80% YoY to SEK 26.8M; EBITDA improved by SEK 10.7M to SEK 4.2M, while net loss narrowed to SEK 2.1M from SEK 11.7M.

  • AUM reached SEK 1,476.4M at September 30, up 108.6% YoY; EBITDA was positive for a second consecutive quarter.

Financial highlights

  • Q3 net sales were SEK 7.6M versus SEK 6.3M; total operating revenue was SEK 8.5M versus SEK 7.1M.

  • 9M net sales were SEK 24.5M versus SEK 12.4M; operating income was -SEK 1.8M versus -SEK 11.4M, and EPS was -SEK 0.1 versus -SEK 0.5.

  • Q3 operating income was -SEK 1.4M versus -SEK 0.9M; EPS was -SEK 0.1 versus approximately SEK 0.0.

  • 9M operating cash flow was SEK 4.8M versus -SEK 2.0M; investing cash flow was -SEK 2.4M and financing cash flow was -SEK 4.6M.

Outlook and guidance

  • The updated Nowo app was scheduled to launch in Q4 2026, aiming to simplify and improve the savings experience and support member growth and engagement.

  • A feasibility study is assessing possible international expansion, with Poland as the first market; no launch decision has been made.

  • Priorities include continued growth and development in Sweden, alongside stronger scalability and recurring revenue.

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Frequently asked questions

Nowonomics, Inc., doing business as Nowo, is a U.S.-based technology company specializing in financial technology solutions. The company provides a digital platform that enables users to manage savings and investments, with a focus on simplifying personal financial planning. Its services include tools for setting financial goals, tracking progress, and optimizing investments. The company is headquartered in San Francisco, California, and its shares are listed on the Nasdaq.