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SaveLend Group
SaveLend Group (YIELD) investor relations material
SaveLend Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary19 Feb, 2026
Executive summary
Achieved highest quarterly revenue since Q4 2023, with Q4 2025 net sales of 29.6 MSEK, up 12% year-over-year, and positive EBITDA for both the quarter (0.9 MSEK) and full year (0.4 MSEK).
Completed the divestment of Billecta AB, a key strategic move, with a total consideration of up to 117 MSEK, supporting future growth and investment capacity.
Platform capital grew 10% to 1,964 MSEK, and total intermediated volume increased 34% to 1,125 MSEK for 2025, driven by strong growth in factoring and real estate credits.
Financial highlights
Q4 2025 net sales: 29.6 MSEK (26.5 MSEK Q4 2024); full year: 107.4 MSEK (111.8 MSEK 2024).
Q4 EBITDA: 0.9 MSEK (-4.8 MSEK); full year EBITDA: 0.4 MSEK (-7.4 MSEK).
Q4 EBIT: -2.4 MSEK (-7.8 MSEK); full year EBIT: -15.8 MSEK (-21.4 MSEK).
Q4 net result: -5.4 MSEK (-2.3 MSEK); full year net result: -21.4 MSEK (-18.9 MSEK).
Earnings per share (undiluted): Q4 -0.01 SEK (-0.14 SEK); full year -0.28 SEK (-0.40 SEK).
Group equity at year-end: 82.4 MSEK (81.9 MSEK); adjusted equity ratio: 41%.
Outlook and guidance
NordIX plans to increase its investment by 120 MSEK in 2026.
Application for a credit market company license to be submitted in Q1 2026, aiming to become the first such company with a direct lending platform.
Raised fixed interest rate for SaveLend Fast to 5.5% from January 2026 to maintain market-leading returns.
Billecta sale proceeds: KMB funding impact?
Avg revenue per invested SEK decline drivers?
FI investigation: KMB license impact?
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Next SaveLend Group earnings date
Q1 2026 TU29 Apr, 2026
SaveLend Group
Next SaveLend Group earnings date
Q1 2026 TU29 Apr, 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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