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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
SaveLend Group
SaveLend Group (YIELD) investor relations material
SaveLend Group Q3 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 TU earnings summary21 Oct, 2026
Executive summary
Q3 revenue grew over 30% YoY, supported by higher credit volumes across major product types; quarterly EBITDA was -3.32 MSEK as strategic investment and one-off costs weighed on results.
Refino recorded a cumulative positive result in Q3, ahead of the target for a positive contribution in Q4, though the current impact was marginal.
Financial highlights
Q3 net revenue was 32.9 MSEK vs 25.3 MSEK YoY; gross profit was 23.5 MSEK vs 19.7 MSEK.
Q3 EBITDA was -3.32 MSEK vs 0.53 MSEK; EBIT was -6.92 MSEK vs -3.09 MSEK.
Q3 net loss was 7.17 MSEK vs 1.69 MSEK; Q1–Q3 net income was 19.60 MSEK vs a 15.21 MSEK loss.
Q3 expenses included a 1.5 MSEK financial regulator application fee and increased consulting, personnel and platform development costs.
Outlook and guidance
Continued volume growth is expected, with factoring seen as a key opportunity following the new Kleer Group collaboration.
The regulator confirmed the credit-market company application is complete; the stated review timeline is 180 days from completeness assessment.
Approval would enable public deposits alongside the investor offering, increasing funding flexibility and supporting faster growth and a more profitable model.
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Latest events from SaveLend Group
- Strong revenue growth and capital gains from divestment support transformation to a credit market company.YIELD
Q2 2026 - Billecta AB divestment finalized, strengthening focus on core savings platform and equity.YIELDInvestor update
- SaveLend Group acquires Refino AB's debt consolidation loan business, pending regulatory approval.YIELDM&A announcement
- Q1 2026 delivered robust revenue growth and a positive net result, driven by strategic transformation.YIELDQ1 2026 TU
- Record Q4 revenue, positive EBITDA, and Billecta divestment set stage for future growth.YIELDQ4 2025
- Record deposits and positive EBITDA mark a strong Q3, with license process progressing as planned.YIELDQ3 2025 TU
- EBITDA improved and platform capital grew, while regulatory changes drive strategic realignment.YIELDQ2 2025
- Q2 2024 saw revenue and EBITDA growth, with a strategic pivot to B2B lending amid regulatory shifts.YIELDQ2 2024
- Revenue improved, B2B lending soared, and Billecta divestment progressed.YIELDQ1 2025 TU
Next SaveLend Group earnings date
Q4 202624 Feb, 2027
SaveLend Group
Next SaveLend Group earnings date
Q4 202624 Feb, 2027
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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.