Financial Information

Selected group key figures

(1000€) H1/2018 H1/2017 2017 2016
Net Sales 5 582,4 3 914,0 8 665,7 5 592,2
EBITDA 1860,2 1176,0 2867,6 1265,5
EBITDA, % of Net Sales 33,3% 30,0% 33,1% 22,5%
EBIT 1 673,8 994,1 2 493,0 918,0
EBIT, % of Net Sales 30,0% 25,4% 28,8% 16,4%
EBT 1005,1 408,3 1218,2 142,5
EBT, % of Net Sales 18,0% 10,4% 14,1% 2,5%
Profit for the period 785,9 361,1 1083,7 74,4
Return on equity (ROE) 36,4% 22,0% 29,8% 2,4%
Earnings per share (EPS) (€) 0,14 0,06 0,19 0,01

The following figures of the table for 2016 and 2017 are audited: Net Sales, EBITDA, EBITDA, EBIT, EBIT as % of Net Sales, EBT, Profit for the period, ROE and EPS. Other figures are unaudited. Key figures by share are calculated by using the adjusted number of shares after the free issue of shares for the existing shareholders of the Company. On 7.9.2018 Company shareholders made a unanimous decision on free issue of Company shares as a part of planned IPO set-up. The share issue adjustment refers to the adjustment of the number of the shares resulting from the free issue of shares.

Download Financial Statement 2017 here.

Download Financial Statement 2016 here.

Forecast 2018

In 2018 Group net sales is expected to be over 12 million euros (8,7 million euros in 2017) and EBIT is expected to be 3,1 – 3,6 million euros (2,5 million euros in 2017).

The Company evaluates the growth potential to be good because of growth of business financing in Finland and Company’s international expansion.

Dividend policy

We aim to pay a dividend that represents at least 30% of our annual profit, but with consideration to the financial position and financing needs of the Company.

Real time statistics

We want to be transparent and provide as much information as possible. You can find our real time statistics and graphs on Statistics -page. There is for example information about loan volume, the number of borrowers or average investor returns.

Other materials

Here you can check the materials of the initial public offering.