Qliro AB (QLIRO) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

welcome to clero q3 presentation 2025. during the questions and answers session participants are able to ask questions by dialing pound key 5 on their telephone keypad now i will hand the conference over to ceo christopher rutgersen please go ahead Great. Welcome to today's Q3 presentation for CLIRO. I'm Christoffer Rutgersson, the CEO here since a bit more than three years. With me today, I also have our new CFO in the background. He has only been here for a few days, so I will run through the financials as well today. So the agenda for today, I will walk through some of our strategic highlights as usual, and we jump into the financial update, talk a bit about the outlook, and then end with some Q&A. So first of all, we still see a big opportunity to build a new European leader in composable payments, starting in the Nordics, where we want to achieve market leadership within the next few years. We're taking clear steps in that direction by accelerating our total payments volume growth to more than In Q2, we are up to 50% volume growth in Q3, up from 37% in Q2. We also see a change in trend and a turnaround in the BNPL share of checkout or share of the total volume, leading to a BNPL volume growth of around 20% or 90% in Q3. Up from previous where BNPL volume been fairly flat. We think that's a good indicator for upcoming loan book growth as well as the income growth, which we still estimated around 15 percent in Q4. We also continue to see a strong momentum in the SME segment with more than 30 percent of our volume growth coming from the SME segment. New sales on SME side is reaching a new all-time high both in September and also again in October. So far, if you compare it to previous months, so we see a big, big step up in kind of the commercial momentum. And we'll...