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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.
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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.

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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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