SaveLend Group (YIELD) investor relations material

Executive summary

• Achieved 13% year-over-year revenue growth in H1 2026, reaching 58.5 MSEK, driven by expansion in core lending segments.

• Completed the divestment of the Billecta AB subsidiary, generating a 42 MSEK profit and strengthening capital for future transformation.

• Strategic focus shifted to becoming a licensed credit market company, with key investments in technology, personnel, and regulatory compliance.

• Submitted application to operate as a credit market company, aiming to enable public deposit-taking and broaden product offerings.

Financial highlights

• H1 2026 net revenue: 58.5 MSEK (52.0 MSEK in H1 2025); Q2 net revenue: 29.3 MSEK (26.8 MSEK in Q2 2025).

• H1 2026 EBITDA: -8.3 MSEK (-1.1 MSEK); EBIT: -15.4 MSEK (-10.3 MSEK); Net income: 26.8 MSEK (-13.5 MSEK), positively impacted by Billecta sale.

• Q2 2026 EBITDA: -5.1 MSEK (-0.4 MSEK); EBIT: -8.6 MSEK (-5.1 MSEK); Net income: -8.4 MSEK (-6.3 MSEK).

• Earnings per share (H1): 0.47 SEK (-0.24 SEK); Q2: -0.15 SEK (-0.11 SEK).

• Cash and equivalents at period end: 36.1 MSEK (8.5 MSEK); equity: 97.5 MSEK (88.7 MSEK).

Outlook and guidance

• New financial targets set: aim for ROE among top 10 Swedish credit institutions, long-term ambition above 20%.

• Targeting annual growth of at least 15% in total capital (platform investments and public deposits) post-license.

• Plans to return surplus capital to shareholders, considering future plans and regulatory requirements.