SaveLend Group (YIELD) Q3 2026 TU earnings summary

Executive summary

• Q3 revenue grew over 30% YoY, supported by higher credit volumes across major product types; quarterly EBITDA was -3.32 MSEK as strategic investment and one-off costs weighed on results.

• Refino recorded a cumulative positive result in Q3, ahead of the target for a positive contribution in Q4, though the current impact was marginal.

Financial highlights

• Q3 net revenue was 32.9 MSEK vs 25.3 MSEK YoY; gross profit was 23.5 MSEK vs 19.7 MSEK.

• Q3 EBITDA was -3.32 MSEK vs 0.53 MSEK; EBIT was -6.92 MSEK vs -3.09 MSEK.

• Q3 net loss was 7.17 MSEK vs 1.69 MSEK; Q1–Q3 net income was 19.60 MSEK vs a 15.21 MSEK loss.

• Q3 expenses included a 1.5 MSEK financial regulator application fee and increased consulting, personnel and platform development costs.

Outlook and guidance

• Continued volume growth is expected, with factoring seen as a key opportunity following the new Kleer Group collaboration.

• The regulator confirmed the credit-market company application is complete; the stated review timeline is 180 days from completeness assessment.

• Approval would enable public deposits alongside the investor offering, increasing funding flexibility and supporting faster growth and a more profitable model.