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Qliro
Qliro (QLIRO) investor relations material
Qliro Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary11 Feb, 2026
Executive summary
Achieved 46% year-over-year total payment volume growth in Q4 to SEK 6,064 million, with full-year growth at 39% to SEK 17,869 million.
Operating income grew 14% in Q4, in line with guidance, driven by SME and BNPL momentum and new merchant onboarding.
SME segment contributed 18% to Q4 operating income, up from 6% last year, with over 100 new merchants onboarded and more than 40% of new volume growth.
Strategic focus on composable payments, Nordic expansion, and delivering superior merchant and consumer experience.
Profitability targeted for Q1 2026, supported by organizational changes, cost control, and efficiency measures.
Financial highlights
Q4 operating income reached SEK 115 million (+14% YoY), with gross profit up 26% (GP1) and 22% (GP2).
Q4 TPV was SEK 6,064 million, up from SEK 4,161 million in Q4 2024.
Credit losses declined 15% YoY to SEK -26.2 million, with debt collection cases on BNPL loans down 33%.
Adjusted operating loss improved to SEK -10.5 million in Q4, from SEK -14.8 million, with full-year loss at SEK -78.4 million.
Gross margin (GM1) improved to 18% from 15% YoY; GM2 margin up to 15.4% from 13.3%.
Outlook and guidance
Profitability expected in Q1 2026, with at least 21% TPV growth anticipated from already contracted business.
Continued focus on SME and enterprise sales, and expansion in Norway and Finland.
Income growth expected to accelerate and catch up with BNPL growth during 2026.
Market share gains in the Nordics, with future annual TPV projected to exceed SEK 21.5 billion once new agreements are fully implemented.
Take rate decline: What are the key drivers?
Explain the gap: TPV vs. operating income growth.
Net impact of churn on future profitable TPV?
Quantify SME segment's margin uplift.
Detail efficiency gains from new platform & AI.
How will Nordic expansion drive >SEK 50B volume?
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Next Qliro earnings date
Q1 20266 May, 2026
Qliro
Next Qliro earnings date
Q1 20266 May, 2026
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Frequently asked questions
Qliro AB operates through Nordic Retail and Financial Services segments. It offers retail services through QliroOne, a payment platform solution with extensive payment options that enables merchants to sell and promote products and services; and financial services, including interest-free loans and savings accounts. The company was incorporated in 2014 and is headquartered in Stockholm, Sweden.
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