DelfinGroup (DGR1R) investor relations material

Executive summary

• Revenue for Q1 2026 reached EUR 20.1 million, up 15% year-over-year, with profit before tax up 58% and net profit at EUR 2.81 million, a 59% increase, driven by cost optimization and stable loan demand.

• EBITDA grew 33% to EUR 7.4 million, and pre-tax profit rose to EUR 3.6 million compared to Q1 2025.

• Loan issuance totaled EUR 32.7 million, up 9% year-over-year, with consumer loans up 13% and pawn loans down 8% due to discontinued operations in Lithuania.

• Launched new home equity and real estate-backed loan products, expanding the lending portfolio.

Financial highlights

• Net loan portfolio increased by 2% since year-end 2025, reaching EUR 147.7 million.

• Total revenue for Q1 2026 was EUR 20.1 million, a 15% increase year-over-year.

• Net profit margin improved to 13% (from 11% a year earlier); basic and diluted EPS for Q1 2026 were EUR 0.062, up from EUR 0.039.

• Administrative and selling expenses decreased by 11% year-over-year due to cost optimization.

• Credit loss expenses increased by 28% year-over-year, outpacing loan portfolio growth.

Outlook and guidance

• Strategic focus on growing the consumer loan portfolio, especially in Lithuania, and introducing refinancing products.

• Continued emphasis on cost optimization and portfolio quality improvement.

• The board recommends distributing up to 50% of Q1 2026 profit as dividends, in line with dividend policy.