Qualco Group (QLCO) Corporate Presentation summary

Company overview and leadership

• International software and technology provider with 25+ years of experience, backed by PIMCO, offering operational platforms, data-driven insights, and digital experiences.

• Operates through two main segments: Software & Platforms (including Software & Technology and Platform as a Service) and Portfolio Management, with over 1,000 employees in 2024.

• Leadership team includes experienced executives and board members from diverse backgrounds, with a strong track record in executing growth strategies.

• Transformation from a monoline IT services provider to an end-to-end software and platform provider for the credit industry, expanding into new geographies and product adjacencies.

Business segments and solutions

• Software & Platforms segment delivers analytics-driven, scalable enterprise software and cloud-native platforms for credit management, real estate, and supply chain finance.

• Platform as a Service offers all-in-one, tech-enabled platforms with high recurring revenue, serving B2B and B2B2C clients.

• Portfolio Management segment is the largest independent servicer in Greece, managing €10bn in assets, offering E2E debt management and operations digitalization with no balance sheet risk.

• Core products include Qualco 360°, Loan Manager, ProximaPlus, Kyberas, and specialized platforms for real estate and applied intelligence.

• Technology backbone features full automation, AI-driven analytics, cloud-ready architecture, and a large team of engineers and data scientists.

Market position and client base

• Operates in a large and growing total addressable market (€35.2bn in 2022), with strong digitalization and outsourcing trends.

• Embedded with blue-chip clients across 30+ countries, including major banks, financial institutions, utilities, and government entities.

• Client attrition is below 4%, net revenue retention is +107%, and NPS score is 64, reflecting strong customer loyalty and satisfaction.

• Long-term partnerships, such as with PPC (Public Power Corporation), have evolved into strategic relationships with multi-year contract extensions.