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SaveLend Group (YIELD) investor relations material
SaveLend Group Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary30 Oct, 2025
Capital Platform and Trading
September saw a record performance for the capital platform, with all-time high deposits and active management of Svenska's SPAR portfolio through the steering process.
Financial Performance Highlights
Net revenue for Q3 2025 was 25.3 MSEK, with EBITDA at 0.53 MSEK, reflecting a positive turnaround.
Net capital retention reached 122%, and net revenue retention was 117%, with capital on the savings platform at 1.96 billion SEK.
Average yield since launch stands at 18.31%, with a balanced return of 16.02% since June 2023.
Q3 net profit was -1.7 MSEK, and total comprehensive income for the period was -1.9 MSEK.
Cash flow from operations improved to 5.8 MSEK, and cash at period end was 13.2 MSEK.
Strategic and Operational Developments
New fee structure for consumer loans after March 2025 regulatory changes led to a 21% drop in consumer credit income despite a 12% increase in new lending.
Improved credit quality resulted in an 18% increase in income from the consumer loan portfolio, supporting higher investor returns.
Factoring and real estate credit segments outperformed budget, contributing to diversification and higher gross margins.
Investments in external consultants supported the ongoing credit market company license application, on track for Q1 2026 submission.
Transaction to divest majority stake in Billecta AB is expected to close by year-end.
Expected KMB investment EBITDA impact beyond Q3?
Long-term consumer loan revenue strategy post-fee change?
Strategic rationale for billing platform transaction?
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Next SaveLend Group earnings date
Q4 202519 Feb, 2026
Next SaveLend Group earnings date
Q4 202519 Feb, 2026
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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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