Logotype for Resurs Holding

Resurs (RESURS) investor relations material

Resurs Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Logotype for Resurs Holding
Q2 2025 earnings summary18 Jul, 2025

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.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Resurs earnings date

Logotype for Resurs Holding
Q3 202530 Oct, 2025
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Resurs earnings date

Logotype for Resurs Holding
Q3 202530 Oct, 2025

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

Frequently asked questions

Resurs Holding AB provides payment solutions and consumer loans in Sweden, Norway, Finland, and Denmark. It offers payment solutions in stores and online through payment cards; MasterPass, a digital service that enables customers to shop online using their mobile phone or tablet; and Loyo, a multichannel app that allows consumers to shop online or in stores using their mobile phones. The company also provides consumer finance solutions; financial services related to creditor insurance; extended warranty and service agreements for durable goods.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage