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SaveLend Group (YIELD) investor relations material
SaveLend Group M&A announcement summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Deal rationale and strategic fit
Acquisition aligns with growth strategy to integrate complementary businesses and expand product offerings.
Adds debt consolidation loans for consumers, leveraging an existing customer base and distribution channels.
Supports transition to operating as a credit market company, subject to regulatory approval.
Refino AB sought a long-term home for its business due to regulatory changes affecting its ability to operate independently.
Financial terms and conditions
No upfront purchase consideration; instead, Refino AB receives a 45% royalty on profit before tax until 31 July 2032.
Refino AB will invest in SaveLend Group via a convertible instrument, with terms to be announced after board approval.
SaveLend Group incurs no acquisition-related debt.
Synergies and expected cost savings
Integration expected to enhance profitability and operational synergies.
Business anticipated to contribute at least SEK 500 million in revenue and over SEK 100 million in earnings through July 2032.
- Billecta AB divestment finalized, strengthening focus on core savings platform and equity.YIELD
Investor update5 Aug 2026 - Q1 2026 delivered robust revenue growth and a positive net result, driven by strategic transformation.YIELD
Q1 2026 TU29 Apr 2026 - Record Q4 revenue, positive EBITDA, and Billecta divestment set stage for future growth.YIELD
Q4 202519 Feb 2026 - Q2 2024 saw revenue and EBITDA growth amid a strategic pivot to B2B lending and efficiency drives.YIELD
Q2 202424 Jan 2026 - Record deposits and positive EBITDA in Q3 as the business shifts to ongoing income and KMB status.YIELD
Q3 2025 TU8 Dec 2025 - EBITDA improved and platform capital grew, while regulatory changes drive strategic realignment.YIELD
Q2 202510 Sep 2025 - Revenue improved, B2B lending soared, and Billecta divestment progressed.YIELD
Q1 2025 TU17 Jun 2025 - Net revenue declined 12% year-over-year, but EBITDA rose 112% from Q2 2024.YIELD
Q3 202413 Jun 2025 - Cost reductions and strategic focus drive improved profitability despite lower revenue.YIELD
Q4 20245 Jun 2025
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