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Resurs (RESURS) investor relations material
Resurs Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Operating income rose 4% year-over-year to SEK 934 million for Q2 and SEK 1,851 million for H1 2025, driven by improved net interest income and price adjustments.
Lending to the public decreased 2% year-over-year to SEK 38,999 million, with Payment Solutions up 8% and Consumer Loans down 8%.
Operating profit for Q2 increased to SEK 184 million (up 68% year-over-year, excluding comparability items), while H1 operating profit was SEK -15 million, but SEK 312 million adjusted.
Credit loss ratio improved to 2.9% in Q2 (from 4.0%) and 3.2% for H1 (from 4.3%), reflecting better customer payment patterns and seasonality.
Total capital ratio strengthened to 17.9% (from 16.0%), and CET1 ratio to 15.5% (from 13.6%).
Financial highlights
Net interest income for H1 2025 increased 7% year-over-year to SEK 1,556 million.
Earnings per share for Q2 rose to SEK 0.64 (from 0.11), and for H1 were SEK -0.03 (from 0.16), but SEK 1.05 adjusted (from 0.52).
Return on equity (ROE) for Q2 was 7.5% (from 2.0%), and for H1 was 0.7% (from 1.4%), or 6.3% adjusted.
Cost/income ratio before credit losses was 49.9% in Q2 (49.4% prior year), and 67.2% for H1 (47.8% prior year), or 49.6% adjusted.
Outlook and guidance
Management remains focused on transformation, cost efficiency, and targeted investments to strengthen long-term competitiveness.
Cautious consumer sentiment and weaker sales in some industries are expected to continue impacting growth.
Ongoing marketing campaigns in Consumer Loans to be expanded across the Nordics in H2 2025.
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