Enity Holding AB (OSTO:ENITY)

Q4 2025 Enity Holding AB (publ) Earnings Call Transcript

Feb 5, 2026 / 08:00 AM GMT

Release Date Price: kr92.17 (-15.87%)

Transcript

Key Points

Positve

Enity Holding AB (CHIX:ENITYs) achieved double-digit portfolio growth in 2025 despite a subdued housing market.
The company delivered a record high full-year result in 2025, driven by good growth, stable margins, and effective cost control.
The IPO process was successfully completed, transitioning Enity Holding AB from a private equity-owned company to a publicly listed one.
The company maintained a CET1 ratio of 14.1%, which is 215 basis points above the regulatory requirement.
Enity Holding AB proposed a dividend of 1.4 per share, corresponding to a 20% dividend payout.

Negative

Net interest income was negatively impacted by a weakening of the NOK, affecting results by more than 20 million year on year.
Adjusted operating profit in the fourth quarter was down both quarter-on-quarter and year-on-year.
Credit losses in Norway remain elevated, with a neutral development of stage 3 loans.
Operating expenses increased in the fourth quarter due to seasonality and increased marketing spend.
The company expects margins to continue to decline somewhat in the next couple of years.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

ENITY.ST - Enity Holding AB (publ)
Q4 2025 Enity Holding AB (publ) Earnings Call
Feb 05, 2026 / 08:00AM GMT

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Presentation
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Unidentified_1 [1]
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Welcome to the NIT Q4 2025 report presentation. For the first part of the conference call, participants will be in listen-only mode. During the questions and answers session, participants are able to ask questions by dialing 5 on their telephone keypad. Now I will hand the conference over to CEO Bjorn Lander and CFO Pontus Sardel. Please go ahead.

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Unidentified_2 [2]
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Good morning everyone and welcome to ET and this presentation of the full year result of 2025 as well as the fourth quarter. My name is Bjorn Lander. I'm here today together with

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