Eleving Group S.A. (OT8) Earnings Call Transcripts

Eleving Group S.A.'s Latest Earnings Call - Q1 FY2026

In the first quarter of 2026, Eleving Group S.A. reported a revenue of EUR 77.8 million, reflecting a strong year-over-year growth of 30%. However, net profit was flat at EUR 5.9 million compared to EUR 6.4 million in the previous year, primarily due to foreign exchange impacts and higher impairments. Management maintained its guidance for the fiscal year, indicating confidence in achieving or exceeding annual targets for net portfolio and revenue, while signaling potential improvements in profitability in upcoming quarters.

Reported metrics

Guidance from management

Management expects to meet or exceed the annual targets of EUR 520 million for net portfolio and EUR 315 million for revenue, while projecting improvements in net profit in upcoming quarters.

What management said

I think same answer to this question. The plan is to follow our dividend policy, payout policy. Let's say, all the actions, all the activity that is being done currently by the management, by the company in terms of growing that loan portfolio, adding new markets are being done with the sole goal in mind to increase the profits of the company and by extension, also increase the dividends of the company as well.

Yes. So I would split the answer in 2 parts. So weighted average cost of debt for euro-denominated borrowings, which form -- by far, the vast majority of our funding sources. So here, we are probably looking at somewhere between 9% to 10%. And if you look at local currency financing, so that actually varies on a country-by-country basis, but think about low teens, so somewhere in the range of 12% to 13% blended on a ...

What analysts pressed on

Analysts expressed concerns regarding the impact of foreign exchange fluctuations on profitability and potential credit losses in the African markets due to rising fuel prices. There are worries about maintaining portfolio quality amid rapid growth and the sustainability of profit margins.

Main topics on the call

• Revenue Growth — Eleving achieved a revenue of EUR 77.8 million, a 30% increase from the previous year. CEO Modestas Sudnius noted, "this growth shows us that our yield and return on the portfolio is even growing."
• Net Portfolio Expansion — The net loan portfolio grew by 28.8% year-over-year, reaching EUR 477.8 million. Sudnius highlighted that "we have added more than EUR 100 million of net loan portfolio," showcasing strong demand across diverse channels.
• Flat Net Profit — Net profit remained flat at EUR 5.9 million, down from EUR 6.4 million last year, impacted by foreign exchange movements and higher impairments. CFO Maris Kreics stated, "the net profit has been growing, but it has been ...
• Cost-to-Income Ratio Improvement — The cost-to-income ratio improved to 36.8%, driven by increased revenue and cost optimization efforts. Kreics mentioned, "we do expect that this will allow us to further drive our cost-to-income ratio down."

Read the full Eleving Group S.A. transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 7 Eleving Group S.A. earnings call transcripts on record, spanning November 12, 2024 to August 11, 2026. Based on this history, Eleving Group S.A. reports quarterly. The most recent call on file is dated August 11, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

OT8

Exchange

DB

Country

DE

Sector

Financials

Industry

Consumer Finance

Calls on record

7

First call

November 12, 2024

Most recent

August 11, 2026

Reporting cadence

quarterly