Qliro AB (QLIRO) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.824 -- 00:00:05.533 Thank you and welcome everyone to our Q4 presentation for CLIRO. 00:00:05.533 -- 00:00:09.061 I'm Kristoffer Rutgersson, the CEO of the company. 00:00:09.061 -- 00:00:14.131 And today I will talk about some repetitions on our strategic highlights, where 00:00:14.131 -- 00:00:19.481 we're heading, go through our financial update, talk about the outlook and then 00:00:19.481 -- 00:00:24.731 leave some time for Q&A. So first of all, in terms of our strategic highlights, 00:00:24.731 -- 00:00:29.761 we still see a large opportunity to build a new European leader in composable payments. 00:00:29.761 -- 00:00:35.291 And we are continuing to broaden our integration in the composable payment space with 00:00:35.291 -- 00:00:39.959 platforms across the Nordics and different kind of best of breed solutions that our merchants 00:00:39.959 -- 00:00:44.828 are working with. We want to deliver a world leading experience for merchants in their 00:00:44.828 -- 00:00:50.057 consumer journey. We see that as a foundation for our growth over the coming years. 00:00:50.057 -- 00:00:56.307 We see good indications in Q4 on this momentum with 46% 00:00:56.307 -- 00:01:02.418 volume growth in the quarter leading up to a full year growth of 39%. 00:01:02.418 -- 00:01:07.123 That is also leading to that our BNPL volume, which is our most profitable volumes on 00:01:07.123 -- 00:01:12.589 the part payment side of the business, on the pay later volumes, that we are accelerating 00:01:12.589 -- 00:01:17.715 with 32% growth in Q4 up from the growth we 00:01:17.715 -- 00:01:20.017 had in Q3. 00:01:20.017 -- 00:01:23.641 And as you know, that's been lagging a bit in kind of early 2025. 00:01:23.641 -- 00:01:28.367 So our income generation come a bit later than exp...