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Edge20 Mar 2026
Tetra Pak: The Shape of Innovation
The story of Tetra Pak, the Rausing family, and how a paper tetrahedron gave rise to a company that now delivers almost 180 billion packages a year.
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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Latest events from SaveLend Group
- Q2 2024 saw revenue and EBITDA growth amid a strategic pivot to B2B lending and efficiency drives.YIELD
Q2 202424 Jan 2026 - Record deposits and positive EBITDA in Q3 as the business shifts to ongoing income and KMB status.YIELDQ3 2025 TU8 Dec 2025
- EBITDA improved and platform capital grew, while regulatory changes drive strategic realignment.YIELDQ2 202510 Sep 2025
- Revenue improved, B2B lending soared, and Billecta divestment progressed.YIELDQ1 2025 TU17 Jun 2025
- Net revenue declined 12% year-over-year, but EBITDA rose 112% from Q2 2024.YIELDQ3 202413 Jun 2025
- Cost reductions and strategic focus drive improved profitability despite lower revenue.YIELDQ4 20245 Jun 2025
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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