Q4 2025 Qliro AB Earnings Call Transcript
Key Points
- Qliro AB (OSTO:QLIRO) reported a 46% volume growth in Q4, contributing to a full-year growth of 39%.
- The company's Buy Now, Pay Later (BNPL) volume grew by 32% in Q4, indicating strong momentum in its most profitable segment.
- Qliro AB (OSTO:QLIRO) achieved a 40% growth in new volume from the Small and Medium Enterprise (SME) segment, with new sales reaching an all-time high in Q4.
- The company reduced its losses by more than half compared to the previous quarter and is targeting profitability in Q1 2026.
- Qliro AB (OSTO:QLIRO) launched the third generation of its Checkout platform, resulting in a conversion uplift of up to 5 to 6 percentage points for merchants.
- Income generation lagged behind expectations earlier in 2025, although it showed improvement in Q4.
- The company faced challenges with new consumers adapting to its BNPL products, causing a lag in volume growth.
- Qliro AB (OSTO:QLIRO) experienced a decline in take rate due to the lag between volume growth and income growth.
- The company underwent a staff reduction in September and October, which impacted operational expenses.
- There was a churn in the Enterprise portfolio, with NordicFeel leaving Qliro, although new contracts were signed in the beauty segment.
Thank you, and welcome, everyone, to our Q4 presentation for Qliro. I'm Christoffer Rutgersson, the CEO of the company. And today, I will talk about some repetitions on our strategic highlights where we're heading, go through our financial update, talk about the outlook and then there's some time for quick Q&A.
So first of all, in terms of our strategic highlights, we still see a large opportunity to build a new European leader in composable payments, and we are continuing to broaden our kind of integration in the composable payments space with platforms across the Nordics and different kind of best-of-breed solutions that our merchants are working with. We want to deliver a world-leading experience for merchants and their consumer journey, and we see that as a foundation for our growth over the coming years.
We see good indications in Q4 on this momentum with a 46% volume growth in the quarter, leading up to a full-year growth of 39%. That is also leading to our BNPL volume, which is our most profitable volumes on the part
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