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QBNK (QBNK) investor relations material
QBNK Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Achieved profitability for the full year, with EBIT of 1.3 MSEK for Jan–Sep 2025, up from -0.8 MSEK year-over-year, and EBIT of 1.8 MSEK for Q3 2025, up from 0.3 MSEK year-over-year.
Annual recurring revenue (ARR) at the start of October 2025 was 36.4 MSEK, a slight decrease from 37.6 MSEK at the start of the quarter.
Strategic review initiated in January; CEO transition announced, with Jacob Philipson appointed interim CEO from October 18, 2025.
Financial highlights
Operating income for Jan–Sep 2025: 31.4 MSEK, up 4% year-over-year; Q3 2025: 10.2 MSEK, up 5% year-over-year.
EBITDA for Jan–Sep 2025: 1.6 MSEK (vs. -0.6 MSEK prior year); Q3 2025: 1.8 MSEK (vs. 0.4 MSEK prior year).
EBIT for Jan–Sep 2025: 1.3 MSEK (4.2% margin); Q3 2025: 1.8 MSEK (17.7% margin).
Net income for Jan–Sep 2025: 1.1 MSEK (vs. -0.5 MSEK prior year); Q3 2025: 1.4 MSEK (vs. 0.3 MSEK prior year).
Cash flow from operations for Jan–Sep 2025: -7.9 MSEK (vs. 6.7 MSEK prior year); Q3 2025: -4.2 MSEK (vs. -0.9 MSEK prior year).
No investments in fixed assets during the period.
Outlook and guidance
On track to deliver a positive operating result for full-year 2025.
ARR expected to grow in coming quarters despite a short-term decline due to customer churn and seasonality.
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