)
Visual
earnings real time
SaveLend Group (YIELD) investor relations material
SaveLend Group Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary30 Oct, 2025
Financial performance and business model changes
Net revenue for Q3 2025 was 25.3 MSEK, with EBITDA at 0.53 MSEK, reflecting a positive turnaround and record platform deposits in September.
Gross margin dropped to 78% from 93.1% in 2024, mainly due to reclassification of broker costs as direct costs and product diversification.
Q3 net profit was -1.7 MSEK, and total comprehensive income for the period was -1.9 MSEK.
Cash flow from operations improved to 5.8 MSEK, with cash at period end of 13.2 MSEK.
Revenue declined due to a shift from upfront fees to ongoing income, following regulatory changes in March 2025.
Strategic focus and product development
Risk diversification by increasing corporate, real estate, and factoring lending, aiming for similar returns and income as consumer loans.
Main growth focus for the next 12 months is on real estate, invoice, and corporate loans, while consumer loans will grow at a slower pace.
Factoring platform revenue grew to 11.6 MSEK, with EBITDA at 3.8 MSEK and a gross margin of 87%.
Larger consumer loans (up to 50,000 SEK) show better credit quality and lower early repayments.
Improved credit quality resulted in an 18% increase in income from the consumer loan portfolio.
Regulatory and structural transformation
Transitioning to a credit market company (KMB) to comply with new laws, with application planned for Q1 2026.
KMB model enables more capital-efficient lending and could place the company among the most profitable credit institutions in Sweden.
Estimated KMB-related investments are about 1 million SEK in Q4 2025, increasing in Q1 2026, directly impacting EBITDA.
New license will allow for more flexible savings products with deposit guarantees.
Investments in external consultants supported the ongoing credit market company license application.
Expected KMB investment EBITDA impact beyond Q3?
Long-term consumer loan revenue strategy post-fee change?
Strategic rationale for billing platform transaction?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next SaveLend Group earnings date
Q4 202519 Feb, 2026
Next SaveLend Group earnings date
Q4 202519 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
)
Frequently asked questions
SaveLend Group AB operates as a fintech company in the peer-to-peer lending segment in Sweden, Poland, and Finland. It offers SaveLend, an investment platform that enables users to invest in various credit, such as invoice purchases, corporate loans, consumer loans, debt collection portfolios, and real estate loans; and Billecta, a billing platform that automates the companies' invoicing flow and helps them to charge and get paid. The company serves customers through its offices in Stockholm, Warsaw, and Helsinki.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage