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Valiant Holding (VATN) investor relations material
Valiant Holding Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Consolidated profit rose 3.1% year-over-year to CHF 108.3 million for the first nine months of 2025.
Growth achieved in both mortgage loans and customer deposits, with new digital and multibanking services introduced.
Continued focus on simplifying client financial lives and promoting sustainability initiatives.
Financial highlights
Operating income decreased by 1.5% year-over-year to CHF 411.1 million.
Operating result fell 3.9% to CHF 170.9 million, while operating expenses increased slightly by 0.4% to CHF 224.8 million.
Net result from interest operations declined 0.7% to CHF 296.6 million; commission business and services grew 5.9% to CHF 72.0 million.
Result from trading activities dropped 23.0% to CHF 31.0 million; other result from ordinary activities rose 8.2% to CHF 11.5 million.
Total assets increased 2.5% to CHF 38.1 billion as of 30 September 2025.
Outlook and guidance
Consolidated profit for the full year is expected to be slightly higher than the previous year.
Explain profit growth despite operating result drop
Multibanking's competitive advantage for Valiant?
Expected impact of enhanced Lila Umwelthypothek?
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Next Valiant Holding earnings date
Q4 202530 Jan, 2026
Next Valiant Holding earnings date
Q4 202530 Jan, 2026
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Frequently asked questions
Valiant Holding AG is a Swiss financial services company providing a range of banking services for individuals, small businesses, and corporate clients. The company offers traditional banking products, including savings and checking accounts, personal and commercial loans, mortgages, and investment advisory services. Valiant focuses on serving customers across Switzerland, emphasizing personalized service and digital banking options for enhanced convenience. Additionally, Valiant provides wealth management and financial planning solutions. The company is headquartered in Lucerne, Switzerland, and its shares are listed on the SIX Swiss Exchange.
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