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Guldbrev
Guldbrev (GULD) investor relations material
Guldbrev Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary19 Feb, 2026
Executive summary
Net revenue for Q4 2025 rose 99% year-over-year to 121.4 MSEK, driven by strong customer inflow and increased marketing efforts.
Full-year 2025 net revenue increased 125% to 404.9 MSEK, with growth across all core markets and a solid position in the Nordics.
Operating profit for Q4 was 21.3 MSEK, up 37% year-over-year; adjusted operating profit was 22.7 MSEK, reflecting IPO-related costs.
Board proposes a dividend of 2.02 SEK per share, a 10% yield based on the IPO price.
Financial highlights
Q4 EBITDA reached 23.1 MSEK (17.4 MSEK in Q4 2024); adjusted EBITDA was 24.5 MSEK, with a margin of 20.2%.
Full-year EBITDA was 99.1 MSEK (45.7 MSEK in 2024); adjusted EBITDA was 104.0 MSEK, margin 25.7%.
Q4 operating margin was 17.5% (25.5% in Q4 2024), impacted by higher marketing costs; full-year margin was 22.6% (21.2%).
Net income for Q4 was 14.9 MSEK (10.6 MSEK in Q4 2024); full-year net income was 70.8 MSEK (28.3 MSEK in 2024).
Cash flow from operations in Q4 was 36.2 MSEK (20.2 MSEK in Q4 2024); full-year was 86.7 MSEK (34.9 MSEK in 2024).
Outlook and guidance
Management expects continued profitable growth in 2026, with strong foundations and a scalable business model.
Expansion in Germany is progressing, with increasing customer inflow and positive outlook for 2026.
Future margin outlook post Q4 marketing
Germany growth acceleration: What are the levers?
Capital allocation strategy: dividend vs. growth?
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Latest events from Guldbrev
Next Guldbrev earnings date
Q1 202615 Apr, 2026
Guldbrev
Next Guldbrev earnings date
Q1 202615 Apr, 2026
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