flatexDEGIRO (FTK) Corporate presentation summary

Business overview and customer focus

• Operates in 16 European countries with 3.5 million customer accounts and €95bn in assets under custody as of FY 2025.

• Prioritizes customer needs, security, low-cost market access, and financial literacy.

• Majority of customers are aged 23-49, with increasing female participation and high academic backgrounds.

• Active customer base exceeds 1 million per quarter, with 31% of customers trading each quarter in 2025.

• Customer base grew by over 1 million in three years, maintaining double-digit annual growth rates.

Financial performance and growth

• FY 2025 revenues reached a record €560m, up 17% YoY, driven by 31% growth in commission income.

• Net income for 2025 was €160m, with net cash inflows of €8.1bn, up 22% YoY.

• Executed 75 million trades in 2025, with an average commission per transaction rising 9% to €5.20.

• Cash under custody nearly doubled in three years to over €6bn; margin loan book also expanded.

• Operational efficiency improved, with revenues and net income per employee rising 22% and 50% respectively in 2025.

Strategic initiatives and product expansion

• Launched new products: Crypto trading, Securities Lending, and expanded Savings Plans.

• Crypto trading saw 60,000+ users and €4m commission income in its first year.

• Securities Lending live in multiple countries, targeting further European rollout.

• Savings Plans at DEGIRO to launch in Q4 2026, offering 2,000 ETFs and 1,000 stock plans.

• Business Process Outsourcing (BPO) expanded, with new client Hamburg Commercial Bank onboarded and revenue potential of up to €10m by 2027.