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OK-Q8 (OKQ8) investor relations material

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OK-Q8 H1 2026 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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H1 2026 earnings summary24 Aug, 2026

Executive summary

  • Focus shifted to card and deposit business after planned exit from factoring, completed during H1 2026.

  • Result for the period was SEK 2,753k, significantly lower than SEK 10,035k year-over-year, mainly due to reduced business volume from factoring exit.

  • Macroeconomic environment remained stable with lower inflation and interest rates compared to recent years.

Financial highlights

  • Net interest income for H1 2026 was SEK 19,922k, down from SEK 20,648k year-over-year.

  • Credit losses increased to SEK -1,294k from SEK -103k year-over-year.

  • Total assets decreased to SEK 891,443k from SEK 2,164,740k as of June 2025.

  • Deposits from the public fell by 20.73% to SEK 491m; lending to the public dropped by 74.89% to SEK 492m.

  • Equity at period end was SEK 297,581k, down from SEK 936,055k year-over-year.

Outlook and guidance

  • Ongoing monitoring of external developments and continuous evaluation of credit risk models.

  • No significant events after the reporting period.

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Frequently asked questions

OKQ8, one of Scandinavias largest fuel companies, is a key player in the regions energy sector, offering a wide range of products and services. These include various fuel options such as Diesel Bio, HVO100, Ethanol E85, Biogas, and GoEasy fuels with renewable admixtures. The company also supports electric vehicle owners with high-power charging stations. OKQ8's retail outlets provide freshly made food, auto accessories, spare parts, and items for home and leisure. It operates a comprehensive network of service stations across Sweden, including car washes, tire retailing, car rental, and repair services. The company is headquartered in Stockholm, Sweden.