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OK-Q8 (OKQ8) investor relations material
OK-Q8 H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.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.
- Net sales SEK 53.2bn, operating profit SEK 1.44bn, strong energy transition and car wash growth.OKQ8
H2 2025 - Strong sales and profit growth, major investments in EV charging and solar, and robust equity.OKQ8
H2 2024 - Net profit fell on lower factoring income, but capital and liquidity ratios improved.OKQ8
H1 2025 - Net profit rose sharply year-over-year, with robust capital and liquidity positions maintained.OKQ8
H1 2024
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