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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Qliro
Qliro (QLIRO) investor relations material
Qliro Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Third consecutive profitable quarter; Q3 net revenue rose 21% YoY to SEK 120.2m and operating profit was SEK 0.2m.
TPV grew 18% to SEK 5,150m and GP2 rose 37% to SEK 82.4m; SMEs contributed more than half of TPV growth.
Full-year 2026 profitability expectation remains; net revenue growth is expected to return to at least 15% in H2 2027.
Financial highlights
Q3 TPV was SEK 5,150m versus SEK 4,379m (+18%); net revenue was SEK 120.2m versus SEK 99.2m (+21%).
GP1 rose 29% to SEK 93.6m and GP2 rose 37% to SEK 82.4m; variable costs fell 9% to SEK 11.2m.
Operating profit was SEK 0.2m versus a SEK 23.2m loss; fixed costs fell 1% to SEK 82.2m.
Credit losses were SEK 26.7m versus SEK 26.8m; credit losses as a share of TPV declined to 0.52% from 0.61%.
Capitalized system-development additions fell 37% to SEK 21m; technology output increased despite lower CapEx.
Outlook and guidance
Full-year 2026 profitability remains the expectation, with growth and profitability guidance maintained.
Net revenue growth is expected to slow short term due to announced churn, longer Enterprise sales cycles linked to CCD2, and tapering benefits from updated merchant agreements.
Net revenue growth is expected to return to at least 15% in H2 2027, supported by SME momentum and potential Enterprise, platform and partner agreements.
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Latest events from Qliro
- Second consecutive profitable quarter, 28% volume growth, and strong SME-driven expansion.QLIRO
Q2 2026 - Profitability, rapid SME growth, and Nordic expansion drive strong Q1 2026 momentum.QLIROAktiedagarna 2026
- Profitability and rapid growth achieved through SME focus, Nordic expansion, and AI innovation.QLIROABGSC Investor Days
- Profitability restored in Q1 2026 with strong revenue, TPV, and SME-driven growth.QLIROQ1 2026
- Q4 delivered 46% payment volume growth, improved margins, and a clear path to profitability in 2026.QLIROQ4 2025
- Nordic expansion and 35% contracted volume growth drive strong momentum despite short-term losses.QLIROQ3 2024
- Operating income up, merchant base doubled, and focus shifts to payment solutions and growth.QLIROQ2 2024
- Q1 saw 20% TPV growth and 219% merchant increase, with SME and Nordic expansion fueling momentum.QLIROQ1 2025
- Payment volume up 16% in Q4, merchant base surged 200%, and 35%+ growth expected in 2025.QLIROQ4 2024
Next Qliro earnings date
Q4 202610 Feb, 2027
Qliro
Next Qliro earnings date
Q4 202610 Feb, 2027
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Frequently asked questions
Qliro AB operates through Nordic Retail and Financial Services segments. It offers retail services through QliroOne, a payment platform solution with extensive payment options that enables merchants to sell and promote products and services; and financial services, including interest-free loans and savings accounts. The company was incorporated in 2014 and is headquartered in Stockholm, Sweden.