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SaveLend Group (YIELD) investor relations material
SaveLend Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
EBITDA improved significantly to -0.35 MSEK in Q2 2025 from -1.56 MSEK in Q2 2024, despite a 9% year-over-year decline in net revenue for the quarter.
Net revenue for Q2 2025 was 26.75 MSEK, down from 29.48 MSEK in Q2 2024; H1 2025 net revenue was 52.04 MSEK, down 11% year-over-year.
The company is focusing on diversifying credit types and increasing efficiency in operations and customer acquisition.
The sale of a minority stake in Billecta and ongoing plans to divest the remainder are part of a strategic shift.
Financial highlights
Q2 2025 EBITDA: -0.35 MSEK (Q2 2024: -1.56 MSEK); H1 2025 EBITDA: -1.11 MSEK (H1 2024: -4.42 MSEK).
Q2 2025 EBIT: -5.08 MSEK (Q2 2024: -4.53 MSEK); H1 2025 EBIT: -10.31 MSEK (H1 2024: -10.09 MSEK).
H1 2025 net income: -13.52 MSEK (H1 2024: -10.54 MSEK); EPS before dilution: -0.24 SEK (H1 2024: -0.20 SEK).
Cash and cash equivalents at period end: 8.5 MSEK (H1 2024: 11.0 MSEK); net debt: 11.2 MSEK (H1 2024: 20.4 MSEK).
Adjusted equity ratio: 45% (H1 2024: 41%).
Outlook and guidance
Increased focus on project financing and real estate credits, with 120 MSEK financed in H1 2025.
Ongoing application to become a credit market company in response to new Swedish consumer credit regulations.
Expectation of continued growth in platform volumes and further improvement in profitability.
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