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B2 Impact
B2 Impact (B2H) investor relations material
B2 Impact Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor presentation summary13 Jan, 2026
Transaction overview and bond issue
Contemplating a minimum EUR 100m tap issue in senior unsecured bonds due January 2031, with proceeds for refinancing and general corporate purposes.
Conditional buyback offered for outstanding bonds due March 2029.
Bonds rated Ba2 (Moody's, stable) and BB- (S&P, positive); listed on Oslo Stock Exchange.
Key terms: 3M Euribor + 3.25% p.a., bullet maturity, call options after 40 months, and financial covenants on leverage and interest coverage.
Pro forma leverage ratio of 2.1x as of Q4 2025, with liquidity reserve of ~EUR 375m.
Company performance and financial highlights
LTM Q3'25 cash collections of NOK 6,020m and cash EBITDA of NOK 4,579m, with a 70% cash margin.
Leverage ratio reduced to 2.0x, with strong deleveraging and stable cash flow.
2025 investments within NOK 3.5–4bn target range; unsecured ERC growth of 13%.
EPS grew 74% LTM; expected dividend of at least NOK 1.7 per share for 2025.
Cost control and automation drive efficiency, with opex/cash revenue trending down.
Strategic priorities and operational focus
Focus on sustainable collection performance, ERC growth, and reinvestment of REO sales proceeds.
Investments mainly in unsecured portfolios, with increased automation and cost scalability.
Accelerated REO sales (NOK 622m YTD) support higher portfolio investments and future EPS growth.
Portfolio investments since 2021 total NOK 10.4bn, with 89% in unsecured assets.
Diversified portfolio across multiple European regions and asset classes.
How is portfolio model accuracy validated?
What drives the expected ERC upside?
Explain the 72% hedging ratio rationale
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Next B2 Impact earnings date
Q4 202512 Feb, 2026
B2 Impact
Next B2 Impact earnings date
Q4 202512 Feb, 2026
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Frequently asked questions
B2Holding ASA is a holding company with subsidiaries providing debt solutions for banks and institutional vendors. Its products include outsourcing of lending, receivables management, collection and recovery as well as consulting services of corporate finance to private equity companies on local market. The company is based in Oslo, Norway.
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