SaveLend Group (YIELD) Q4 2025 earnings summary

Executive summary

• Achieved highest quarterly revenue since Q4 2023, with Q4 2025 net sales of 29.6 MSEK, up 12% year-over-year, and positive EBITDA for both the quarter (0.9 MSEK) and full year (0.4 MSEK).

• Completed the divestment of Billecta AB, a key strategic move, with a total consideration of up to 117 MSEK, supporting future growth and investment capacity.

• Platform capital grew 10% to 1,964 MSEK, and total intermediated volume increased 34% to 1,125 MSEK for 2025, driven by strong growth in factoring and real estate credits.

Financial highlights

• Q4 2025 net sales: 29.6 MSEK (26.5 MSEK Q4 2024); full year: 107.4 MSEK (111.8 MSEK 2024).

• Q4 EBITDA: 0.9 MSEK (-4.8 MSEK); full year EBITDA: 0.4 MSEK (-7.4 MSEK).

• Q4 EBIT: -2.4 MSEK (-7.8 MSEK); full year EBIT: -15.8 MSEK (-21.4 MSEK).

• Q4 net result: -5.4 MSEK (-2.3 MSEK); full year net result: -21.4 MSEK (-18.9 MSEK).

• Earnings per share (undiluted): Q4 -0.01 SEK (-0.14 SEK); full year -0.28 SEK (-0.40 SEK).

• Group equity at year-end: 82.4 MSEK (81.9 MSEK); adjusted equity ratio: 41%.

Outlook and guidance

• NordIX plans to increase its investment by 120 MSEK in 2026.

• Application for a credit market company license to be submitted in Q1 2026, aiming to become the first such company with a direct lending platform.

• Raised fixed interest rate for SaveLend Fast to 5.5% from January 2026 to maintain market-leading returns.