Nettoomsättning

EBIT

B2 Impact

Konsumentvaror & Tjänster

Net sales

**Summary CEO's words**
The CEO of B2 Impact ASA highlights the company's positive momentum and strong position ahead of the business plan, with a focus on disciplined and selective investment activity. The company aims to maintain a low leverage ratio and continue delivering value to shareholders in the near and long term.

**Net sales**
Net sales increased to 1,002 (995) MNOK. The growth was driven by higher collection performance, particularly in unsecured collections, and increased REO sales. Additionally, the growth in Estimated Remaining Collection (ERC) contributed positively.

**EBIT**
EBIT decreased to 479 (489) MNOK. The improvement was driven by stable operating expenses despite a 10% growth in cash collections, and the positive impact of higher collection performance and REO sales. Efficiency improvements through AI tools and automation also contributed to the underlying EBIT performance.

**Summary CEO's words**
The CEO of B2 Impact ASA highlights a strong start to 2026 with ambitious long-term targets, robust investment activity, and a focus on technology and automation. The company remains positive about the year ahead, with an emphasis on creating value for shareholders through strategic investments and operational efficiency.

**Net sales**
Net sales increased to 967 (898) MNOK. Net sales growth was driven by higher collections from unsecured portfolios and an increase in unsecured collection performance, as well as higher margin on REOs sold.

**EBIT**
EBIT increased to 465 (364) MNOK. EBIT growth was mainly driven by higher collections from unsecured portfolios and lower operating expenses.

**Summary CEO's words**
The CEO highlights the company's strategic focus on portfolio investments and automation, aiming for significant EPS and dividend growth over the next three years while maintaining a stable cost level and a leverage ratio below 2.5x. The recent bond transactions are positioned to reduce interest margins and extend the maturity profile, enhancing financial flexibility.

**Net sales**
Net sales decreased by 7.2% to 907 (977) MNOK. Net sales growth was driven by stronger cash collections from both secured and unsecured portfolios, as well as increased Estimated Remaining Collection (ERC).

**EBIT**
EBIT decreased by 20.9% to 389 (492) MNOK. EBIT improvement was driven by higher cash collections, increased ERC, and stable operating expenses despite inflation and increased activity, showcasing the scalability of the business model. Additionally, there were non-recurring items impacting the reported figures.

**Summary CEO's words**
The CEO highlights the strategic focus on improving overperformance and growing collections, with increased portfolio investments and a strong capital structure. The company is well-positioned to meet its financial targets for 2025 and is preparing to share financial targets for 2026.

**Net sales**
Net sales decreased by 1.8% to 977 (995) MNOK. Net sales growth in the third quarter was driven by a 14% increase in unsecured collections, higher activity levels, and increased third-party collection revenues.

**EBIT**
EBIT increased by 0.6% to 492 (489) MNOK. EBIT improvement in the third quarter was driven by stronger cash collections from unsecured portfolios and REO sales, partially offset by a 9% increase in operating expenses due to higher external expenses and acquisition-related costs.

	PREVIOUS OUTCOME	Q3-26
	Pinpoint 2 estimates	FactSet 3 estimates	Your estimate
Net sales MNOK
Growth YoY, %
EBIT MNOK
Margin, %

	PREVIOUS OUTCOME	2026			2027			2028
	Pinpoint 1 estimates	FactSet 4 estimates	Your estimate	Pinpoint 0 estimates	FactSet 4 estimates	Your estimate	Pinpoint 0 estimates	FactSet 4 estimates	Your estimate
Net sales MNOK				-			-
Growth YoY, %				-			-
EBIT MNOK				-			-
Margin, %				-			-

B2 Impact - B2Io

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