Financial Information

Selected group key figures

(1000€) H2/2018 H2/2017 2018 2017 2016
Net Sales 6 376,3 4 741,7 11 958,8 8 665,7 5 592,2
EBITDA 1 887,3 1 691,6 3 747,5 2 867,6 1 265,5
EBITDA, % of Net Sales 29,6% 35,7% 31,3% 33,1% 22,5%
Adjusted EBITDA 2 062,1* 1 691,6 3 922,3* 2 867,6 1 265,5
Adjusted EBITDA -margin, % 32,3%* 35,7% 32,8%* 33,1% 22,5%
EBIT 1 683,3 1 498,9 3 357,1 2 493,0 918,0
EBIT -margin, % 26,4% 31,6% 28,1% 28,8% 16,4%
Adjusted EBIT 1 858,1* 1 498,9 3 531,9* 2 493,0 918,0
Adjusted EBIT -margin, % 29,1%* 31,6% 29,5%* 28,8% 16,4%
EBT 48,0 809,9 1 053,1 1 218,2 142,5
EBT -margin 0,8% 17,1% 8,8% 14,1% 2,5%
Adjusted EBT 1 163,1* 809,9 2 168,2* 1 218,2 142,5
Adjusted EBT -margin 18.2%* 17,1% 18,1%* 14,1% 2,5%
Profit for the period 11,9 722,6 797,9 1083,7 74,4
Adjusted profit for the period 904,0* 722,6 1 690,0* 1083,7 74,4
ROE 0,3% 37,9% 8,5% 29,8% 2,4%
Earnings per share (EPS), issue-adjusted € 0,002 0,12 0,13 0,19 0,01
Adjusted Earnings per share (EPS), issue-adjusted € 0,14* 0,12 0,28* 0,19 0,01

The following figures of the table for 2016, 2017 and 2018 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 2018 here.

Download Corporate Governance Statement 2018 here.

Download Remuneration Statement 2018 here.

Download Financial Statement 2017 here.

Download Financial Statement 2016 here.

Forecast 2019

In 2019 Group net sales is expected to grow over 30% and adjusted EBIT grow from year 2018.

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.