Q1 2025 Ayvens SA Earnings Call Transcript
Key Points
- Ayvens (ALLDF) reported a strong start to 2025 with significant improvements in financial metrics, including a 21% increase in net income group shares.
- The company achieved a cost-income ratio of 58%, marking a 10% improvement compared to the same quarter in 2024.
- Ayvens (ALLDF) successfully issued €1 billion in bonds at competitive prices, indicating strong investor confidence.
- The integration and transformation efforts are progressing well, with synergies reaching €61 million in Q1 2025.
- The company is seeing strong commercial momentum, with several new partnerships and expansions, including a deal with Care by Volvo to onboard 35,000 vehicles.
- Total contracts decreased by 3.8% year-on-year, reflecting a strategic reshaping of the portfolio.
- There is ongoing restructuring in key markets like the UK, Germany, and Turkey, which may impact short-term growth.
- The company faces challenges in the used car market, with potential impacts from auto tariffs and residual value fluctuations.
- Despite strong margins, there is uncertainty about maintaining these levels as volumes are expected to pick up in the second half of the year.
- The company has not revised its guidance for used car sales results, indicating caution due to potential market volatility.
Good morning, ladies and gentlemen. Welcome to this Ayvens quarter one 2025 results call I'm hosting a call with Patrick Sommelet.
First, as always, I'll present the highlights of quarter one, and then Patrick will comment on our financial results. And then we'll be able to take your questions. Let's go straight to slide five on the key takeaways.
Ayvens has started the year on a very positive note by delivering strong financial resources across the board for the first quarter, showing a continued improvement on all financials, both the revenues and costs.
Starting with the revenues, margins have increased steadily both versus quarter one 2024 and versus quarter four 2024. Reflected in margins representing 562 bits of average earning assets over the quarter.
On used car sales, our results and depreciation adjustments reflect again a very gradual normalization. With results per unit before depreciation adjustments at â¬1,229 so less than â¬40 below quarter four 2024.
And above our 2025 full
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