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SaveLend Group (YIELD) investor relations material
SaveLend Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary14 Aug, 2025
Executive summary
EBITDA improved significantly to -0.35 MSEK in Q2 2025 from -1.56 MSEK in Q2 2024, despite a 9% year-over-year decline in net revenue for the quarter.
Net revenue for Q2 2025 was 26.75 MSEK, down from 29.48 MSEK in Q2 2024; H1 2025 net revenue was 52.04 MSEK, down 11% year-over-year.
The company is focusing on diversifying credit types and increasing efficiency in operations and customer acquisition.
The sale of a minority stake in Billecta and ongoing plans to divest the remainder are part of a strategic shift.
Financial highlights
Q2 2025 EBITDA: -0.35 MSEK (Q2 2024: -1.56 MSEK); H1 2025 EBITDA: -1.11 MSEK (H1 2024: -4.42 MSEK).
Q2 2025 EBIT: -5.08 MSEK (Q2 2024: -4.53 MSEK); H1 2025 EBIT: -10.31 MSEK (H1 2024: -10.09 MSEK).
H1 2025 net income: -13.52 MSEK (H1 2024: -10.54 MSEK); EPS before dilution: -0.24 SEK (H1 2024: -0.20 SEK).
Cash and cash equivalents at period end: 8.5 MSEK (H1 2024: 11.0 MSEK); net debt: 11.2 MSEK (H1 2024: 20.4 MSEK).
Adjusted equity ratio: 45% (H1 2024: 41%).
Outlook and guidance
Increased focus on project financing and real estate credits, with 120 MSEK financed in H1 2025.
Ongoing application to become a credit market company in response to new Swedish consumer credit regulations.
Expectation of continued growth in platform volumes and further improvement in profitability.
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Next SaveLend Group earnings date
Q3 2025 TU30 Oct, 2025
Next SaveLend Group earnings date
Q3 2025 TU30 Oct, 2025
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Frequently asked questions
SaveLend Group AB operates as a fintech company in the peer-to-peer lending segment in Sweden, Poland, and Finland. It offers SaveLend, an investment platform that enables users to invest in various credit, such as invoice purchases, corporate loans, consumer loans, debt collection portfolios, and real estate loans; and Billecta, a billing platform that automates the companies' invoicing flow and helps them to charge and get paid. The company serves customers through its offices in Stockholm, Warsaw, and Helsinki.
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