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Qliro (QLIRO) investor relations material
Qliro Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Total payment volume grew 50% year-over-year in Q3, reaching SEK 4,379 million, with strong momentum in both SME and enterprise segments and market share gains in the Nordics.
BNPL (Buy Now, Pay Later) volume rebounded, growing 20%-90% in Q3, supporting future loan book and income growth.
The number of connected merchants increased by 127% to 456, and active consumers reached 7.2 million.
Expansion in Norway and Finland contributed over SEK 2 billion in new merchant contracts, with Finland showing strong early momentum.
Efficiency and scalability initiatives, including organizational restructuring and executive changes, incurred SEK 20-25 million in non-recurring costs in H2, with profitability targeted for Q1 2026.
Financial highlights
Q3 2025 operating income rose 3% year-over-year to SEK 99.2 million, but gross profit remained flat due to increased variable costs and a shift in payment mix.
Adjusted operating loss was SEK -23.2 million, with cost savings expected to drive profitability by Q1 2026.
Loan book grew 6% in Q3, driven by BNPL volume recovery.
Credit losses as a percentage of total payment volume decreased to 0.61% from 0.93% year-over-year.
For Jan–Sep 2025, total payment volume increased 36% to SEK 11,805 million, with flat operating income and a reported loss of SEK -70.5 million.
Outlook and guidance
Profitability is targeted for Q1 2026, supported by cost savings, efficiency programs, and BNPL-driven loan book growth.
Q4 2025 income growth is expected to be 15%, with continued strong development in Norway and Finland.
Annual total payment volume is projected to reach SEK 21.5 billion once all new agreements are live, a 34% increase over LTM.
Detail path to Q1 2026 profitability
Explain take rate decline despite TPV growth
Address 24% drop in public deposits
Q1 2026 profitability drivers?
Checkout Gen 3 competitive advantage?
SME segment's future profit contribution?
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Q4 202510 Feb, 2026
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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.
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