Fourth quarter 2025 (fourth quarter 2024)
• Total payment volume increased by 46% to SEK 6,064 (4,161) million
• Operating income increased by 14% to SEK 115.0 (101.3) million
• Adjusted operating expenses amounted to SEK –99.3 (–85.2) million
• Operating expenses amounted to SEK –104.1 (–86.5) million
• Credit losses as a percentage of total payment volume were 0.43% (0.74%)
• Adjusted operating profit/loss was SEK –10.5 (–14.8) million
• Operating profit/loss was SEK –15.4 (–16.1) million
• Profit/loss for the period was SEK –13.5 (–21.6) million
• Earnings per share amounted to SEK –0.55 (–1.06)

January–December 2025 (January–December 2024)
• Total payment volume increased by 39% to SEK 17,869 (12,850) million
• Operating income increased by 4% to SEK 412.1 (397.8) million
• Adjusted operating expenses amounted to SEK –383.2 (–317.9) million.
• Operating expenses amounted to SEK –407.8 (–324.7) million
• Credit losses as a percentage of total payment volume were 0.60% (0.83%)
• Adjusted operating profit/loss was SEK –78.4 (–26.4) million
• Operating profit/loss was SEK –102.9 (–33.3) million
• Profit/loss for the period was SEK –84.1 (–21.9) million
• Earnings per share amounted to SEK –3.77 (–1.13)

Excerpt from comments by CEO Christoffer Rutgersson:
“The fourth quarter of 2025 demonstrates Qliro's continued strong commercial momentum as we pursue our ambition to become the market leader in the Nordics. Total payment volume increased by 46% and full-year growth was 39%. Operating income increased by 14%, in line with our previous guidance of approximately 15% revenue growth for the quarter. The adjusted operating result improved to SEK –10.5 (–14.8) million and we are approaching the profitability we have guided for in the first quarter of 2026. This is the result of the strategic investments in growth, product development and geographic expansion that we have made during the year, as well as the restructuring initiated in September.”

Presentation of the Interim Report
Media, analysts and investors are invited to a conference call today on February 11, 2026 at 10:00 CET when CEO Christoffer Rutgersson will present the results. There will be opportunity to ask questions in connection with the presentation.

Join via webcast
Join via webcast: https://qliro.events.inderes.com/q4-report-2025/register

Join via conference call
Join via conference call: https://conference.inderes.com/teleconference/?id=5008346

For further information, please contact:

Christoffer Rutgersson
E-mail: ir@qliro.com

About Qliro AB

Qliro is a fintech company and the strategic growth partner for modern commerce, helping merchants turn every payment experience into a driver of sales, loyalty, and long-term profitability. Qliro is a credit market company under supervision of the Swedish Financial Supervisory Authority and has its registered address in Stockholm. Qliro’s shares are listed on Nasdaq Stockholm under the ticker “Qliro”.

For more information, please visit https://www.qliro.com/en-se/investor-relations

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This information is information that Qliro AB is obliged to make public pursuant to the EU Market Abuse Regulation. The information was submitted for publication, through the agency of the contact persons set out above, at 2026-02-11 07:30 CET.

Attachments

Qliro Year-End Report 2025

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