Third consecutive profitable quarter – SME drives growth

Third quarter 2026 (third quarter 2025)

• Total payment volume increased by 18% to SEK 5,150 (4,379) million

• Net revenue increased by 21% to SEK 120.2 (99.2) million

• Operating expenses amounted to SEK –93.4 (–115.2) million; adjusted for items affecting comparability, operating expenses amounted to SEK –93.4 (–95.6) million

• Credit losses as a percentage of total payment volume were 0.52% (0.61%); net credit losses amounted to SEK –26.7 (–26.8) million

• Operating profit/loss amounted to SEK 0.2 (–42.8) million; adjusted for items affecting comparability, operating profit/loss was SEK 0.2 (–23.2) million

• Profit/loss for the period was SEK 0.2 (–34.5) million; adjusted for items affecting comparability, profit/loss for the period was SEK 0.2 (–18.9) million

• Earnings per share amounted to SEK –0.06 (–1.34); adjusted for items affecting comparability, earnings per share amounted to SEK –0.06 (–0.77)

January–September 2026 (January – September 2025)

• Total payment volume increased by 27% to SEK 14,985 (11,805) million

• Net revenue increased by 21% to SEK 360.5 (297.1) million

• Operating expenses amounted to SEK –284.2 (–303.6) million; adjusted for items affecting comparability, operating expenses amounted to SEK –284.2 (–283.9) million

• Credit losses as a percentage of total payment volume were 0.50% (0.69%); net credit losses amounted to SEK –75.2 (–81.0) million

• Operating profit/loss amounted to SEK 1.1 (–87.5) million; adjusted for items affecting comparability, operating profit/loss was SEK 1.1 (–67.8) million

• Profit/loss for the period was SEK 1.1 (–70.5) million; adjusted for items affecting comparability, profit/loss for the period was SEK 1.1 (–54.9) million

• Earnings per share amounted to SEK –0.16 (–3.30); adjusted for items affecting comparability, earnings per share amounted to SEK –0.16 (–2.63)