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OK-Q8 (OKQ8) investor relations material
OK-Q8 Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary21 Aug, 2025
Executive summary
Operates in payment services, lending, and factoring, with 100% ownership by a parent company.
First half of 2025 marked by global political tensions and market uncertainty, but Swedish inflation and interest rates stabilized at lower levels.
Credit losses improved, but operating income declined due to lower factoring revenues, resulting in a slightly weaker result year-over-year.
Financial highlights
Net interest income rose to 20,648 Tkr from 8,454 Tkr year-over-year.
Net profit for the period was 10,035 Tkr, down from 13,621 Tkr in the first half of 2024.
Credit losses improved to -103 Tkr from -5,251 Tkr year-over-year.
Total assets decreased to 2,164,740 Tkr from 2,779,819 Tkr as of June 2024.
Deposits from the public fell by 2.29% to 1,129,057 Tkr; lending to the public decreased by 0.62% to 2,084,799 Tkr.
Outlook and guidance
Ongoing monitoring of credit risk due to persistent macroeconomic uncertainty and high unemployment.
No significant events after the reporting period.
What caused the factoring income decline?
What drove the significant RWEA reduction?
Why pessimistic credit loss outlook despite improvement?
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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.
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