Qliro Ab · OMXSTO:QLIRO
Qliro Ab — Pareto Securities' 6th Annual Nordic TechSaaS Conference 2025
17 slides from Qliro Ab's conference presentation, Nov 14, 2025
Slide 1: Qliro: The Next EU Leader in Payments
2025-11-14 1 QLIRO THE NEXT EU LEADER IN PAYMENTS PARETO SECURITIES’ 6 TH ANNUAL NORDIC TECHSAAS CONFERENCE NOVEMBER 2025 Ql iro
Slide 2: Today's Presenter
TODAY’S PRESENTER CHRISTOFFER RUTGERSSON CEO Ql iro St rictly Confi dential 2
Slide 3: Qliro at a Glance
QLIRO AT A GLANCE Ql iro 3
Slide 4: Strategic Highlights
2025-11-14 5 STRATEGIC HIGHLIGHTS OPPORTUNITY TO BUILD A NEW EU LEADER IN COMPOSABLE PAYMENTS 1 DELIVERING A WORLD-LEADING EXPERIENCE FOR MERCHANTS, AND THEIR CUSTOMER JOURNEY 2 +50% TPV GROWTH IN Q3, FURTHER ACCELERATION FROM 37% IN Q2 3 NEXT GEN CHECKOUT WITH OUTSTANDING PERFORMANCE & UNIQUE POSIT
Slide 5: Our Vision: Building an EU Leader in Composable Payments
41 OUR VISION BUILDING AN EU LEADER IN COMPOSABLE PAYMENTS, STARTING IN THE NORDICS, WITH GLOBAL CAPABILITIES DELIVER A WORLD-LEADING EXPERIENCE OUR MISSION FOR MERCHANTS AND THEIR CUSTOMERS’ JOURNEY AMBITION TO BECOME LOCAL MARKET LEADER OUR AMBITION IN THE NORDICS WITHIN 3-5 YEARS Ql iro 6
Slide 6: Accelerating Momentum with +50% TPV Growth in Q3 2025
42 ACCELERATING MOMENTUM WITH +50% TPV GROWTH IN Q3 2025 KEY TAKEAWAYS TOTAL PAYMENTS VOLUME (TPV), % GROWTH TOTAL PAYMENTS VOLUME (TPV), M EUR ▪ TPV grew by 50% to SEK 4,379 million Y-o-Y, driven by +34% more merchants going live. Signed contracts not +50% yet fully live will 21.5 ▪ SME represents
Slide 7: Zero Lost A/B Tests
43 THE POWER OF OUR NEXT GENERATION CHECKOUT AND CONSUMER FRIENDLY BNPL SOLUTION Active A/B testing vs competitors proves our edge and drives continuous optimization GLOBAL PSP +6,3% A/B test outside of Sweden for multi- CONVERSION national retail business UPLIFT MARKET LEADER +5,0% 5+ A/B tests in
Slide 8: Unique Market Position – Why Leading Merchants Chose Qliro
43 UNIQUE MARKET POSITION – WHY LEADING MERCHANTS CHOSE QLIRO COMPOSABLE PAYMENTS FOR GROWTH Marketplace/ Price comparison / DELIVER A WORLD-LEADING EXPERIENCEFOR Shopping / E-commerce MERCHANTS, AND THEIR CUSTOMER JOURNEY 1 LEADING CONVERSION IN NORDICS Experience. 2 UPSELL -> HIGHER AOV -> GM3 BOO
Slide 9: Qliro Flywheel Model for Ecom Growth
43 QLIRO FLYWHEEL MODEL FOR ECOM GROWTH QLIRO AT A GLANCE St rictly Confi dential Ql iro 10
Slide 10: Composable Payments Architecture
2025-11-14 12 43 COMPOSABLE PAYMENTS ARCHITECTURE ▪ A vibrant network of strong partnerships ▪ Flexible plug & play connections, designed for the modern tech stack of eCommerce retailers ▪ Scalable architecture to add capabilities Ql iro
Slide 11: Accelerating Income Contribution from SME at 15% in Q3
44 ACCELERATING INCOME CONTRIBUTION FROM SME AT 15% IN Q3 KEY TAKEAWAYS NUMBER OF ACTIVE MERCHANTS CONTRIBUTION TO OPERATING INCOME, MSEK ▪ Double digit contributions to operating income of 15% compared to 4% last year. +127%, YoY +>300% ▪ Onboarding lead times have been cut by over 50% compared to
Slide 12: Attractive Unit Economics with High LTV and 5-10x Return
44 ATTRACTIVE UNIT ECONOMICS WITH HIGH LTV AND 5-10X RETURN ANNUAL NEW TPV (M SEK) LOAN BOOK BUILD-UP (M SEK) GP2 BUILD UP PER COHORT (M SEK) >1500 >1500 >1500 ~ 225 225 → 0 ~ 30 ~ 200 ~ 25 ILLUSTRATION GROWTH ~ 150 15-20 150 19 ECONOMICS ~15-25 150 19 ▪ S&M SPEND LIFE-TIME ~ 15 M SEK VALUE ▪ SIGNED
Slide 13: Geographic Expansion with Momentum Above Expectations
45 GEOGRAPHIC EXPANSION WITH MOMENTUM ABOVE EXPECTATIONS NORDIC LAUNCH GAINING MOMENTUM, +>15% TPV GROWTH SIGNED KEY TAKEAWAYS SIGNED TPV OF >SEK 2 BILLION IN NEW MARKETS 68% • Successful Nordic expansion with strong HEADQUARTERS 1 momentum across new markets. % OF TPV 5% • Signed merchants in new N
Slide 14: Efficiency Initiatives at Full Speed
46 EFFICICIENCY INITIATIVES AT FULL SPEED PROFITABILITY EXPECTED IN Q1-26 PAY LATER PLATFORM PROCESS OPTIMIZATION MODERNIZATION AUTOMATIONS LOWERING STRICT STAFF REDUCTION CREDIT LOSSES COST CONTROL TOGETHER WITH ORGANISATIONAL CHANGES AND GROWTH WE EXPECT PROFITABILITY IN Q1 16
Slide 15: Strategic Highlights – Looking Ahead
2025-11-14 17 STRATEGIC HIGHLIGHTS – LOOKING AHEAD 1 MID TERM AMBITION TO BUILD A MARKET LEADING POSITION IN THE NORDICS 2 COMMERCIAL MOMENTUM TO CONTINUE TO ACCELERATE TPV GROWTH >34% 3 LEADING PRODUCT OFFERING IN THE NORDICS WITH UNIQUE POSITIONING 4 SME WILL CONTINUE TO GROW REPRESENTING >30% OF
Slide 16: Qliro Safe and Simple
QLIRO SAFE AND SIMPLE
Slide 17: Disclaimer
DISCLAIMER The information provided in this presentation is intended for information only. Any views and other information provided herein are the current views of Qliro as of the date of publication and are subject to change. The information provided herein is not an exhaustive description of the t
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