Portfolio Tracker
Alle Depots an einem Ort. Dein Gesamtvermögen immer im Blick, tiefgründige Renditeanalysen und Dividendenplaner.
Anzeige
EQS-News

4finance Holding S.A. reports results for the three months ending 31 March 2026 28.05.2026, 18:05 Uhr von EQS News Jetzt kommentieren: 0

Werte zum Artikel
Name Aktuell Diff. Börse
4 Finance Unternehmensanleihe 11,25 % bis 05/28 103,08 % +0,20 % Quotrix Düsseldorf
Kostenlose Aktienchance per SMS Ausgewählte Trading-Einschätzungen aufs Handy.

EQS-News: 4finance S.A. / Key word(s): Quarterly / Interim Statement
4finance Holding S.A. reports results for the three months ending 31 March 2026 (news with additional features)

28.05.2026 / 18:05 CET/CEST
The issuer is solely responsible for the content of this announcement.


Q1 reflects the Group’s shift to a focus on online consumer lending

Early repayment of EUR 2026 bonds in April strengthens the Group’s capital structure

Strong liquidity supports future growth while providing financial flexibility 

28 May 2026. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the three months ending 31 March 2026 (the ‘Period’).

Operational highlights

  • TBI Bank sale in February 2026 marks a key operational milestone for the Group and enhances its financial flexibility.
  • Online loan issuance totalled €112.4 million for the Period, down 12% year-on-year, reflecting a more selective and disciplined lending approach.
  • Early-stage launch of operations in South Africa and Uzbekistan in Q1 2026.

Financial Highlights

  • The following highlights relate to continuing operations. TBI Bank is presented separately as discontinued operations.
  • Adjusted EBITDA for the Period amounted to €13.7 million, with a margin of 33%. The interest coverage ratio as of the date of this report is 3.5x.
  • Group’s net profit from continuing operations on a proforma basis amounted to €2.9 million for the Period. 
  • Interest income amounted to €41.7 million in the Period, compared with €47.0 million in the prior year period.
  • Cost to income ratio for the Period improved to 33.5% compared with 35.0% in the prior year period.
  • Net impairment charges of €18.0 million in the Period, down 10% year-on-year, reflecting a focus on portfolio quality.
  • Net receivables amounted to €141.0 million as of 31 March 2026, reflecting the Group’s shift to an online-only business model.
  • Gross NPL ratio at 11.0% as of 31 March 2026, indicating stable asset quality.

Liquidity and funding

  • Strong liquidity position, with over €250 million of cash at the end of the Period.
  • Early redemption of EUR 2026 bonds completed in April 2026, reducing near-term maturities.
  • Dividends of €26 million (2024) and €11 million (2025) declared in March and May, respectively.

 

Kieran Donnelly, CEO of 4finance, commented:

“Q1 2026 marks an important step for the Group following the completion of TBI Bank sale in February, increasing our financial flexibility and sharpening our strategic focus on online consumer lending.

“With a simplified balance sheet and greater financial capacity, we are well positioned to pursue our growth priorities. The early repayment of our EUR 2026 bonds in April reflects our proactive management of the Group’s funding profile.

“We remain focused on operational efficiency, credit discipline and delivering sustainable growth.”

Contacts

Contact:   Liene Kuģeniece, Head of Investor Relations
Email:   liene.kugeniece@4finance.com / investor_relations@4finance.com
Website:   www.4finance.com

 


Additional features:

File: 4finance report on Q1 2026 results


28.05.2026 CET/CEST Dissemination of a Corporate News, transmitted by EQS News - a service of EQS Group.
The issuer is solely responsible for the content of this announcement.

The EQS Distribution Services include Regulatory Announcements, Financial/Corporate News and Press Releases.
View original content: EQS News


Language: English
Company: 4finance S.A.
8-10 Avenue de la Gare
1610 Luxembourg
Luxemburg
E-mail: info@4finance.com
ISIN: XS1417876163, SE0006594412, XS1092320099, XS1094137806,
WKN: A181ZP
Listed: Regulated Market in Frankfurt (Prime Standard); Regulated Unofficial Market in Dusseldorf, Hamburg, Hanover, Stuttgart, Tradegate BSX; Dublin
EQS News ID: 2335438

 
End of News EQS News Service

2335438  28.05.2026 CET/CEST

Kommentare (0) ... diskutiere mit.
k.A. k.A. k.A. k.A.
k.A. k.A. k.A. k.A.
k.A. k.A. k.A. k.A.
Schreib den ersten Kommentar!

Dis­clai­mer: Die hier an­ge­bo­te­nen Bei­trä­ge die­nen aus­schließ­lich der In­for­ma­t­ion und stel­len kei­ne Kauf- bzw. Ver­kaufs­em­pfeh­lung­en dar. Sie sind we­der ex­pli­zit noch im­pli­zit als Zu­sich­er­ung ei­ner be­stim­mt­en Kurs­ent­wick­lung der ge­nan­nt­en Fi­nanz­in­stru­men­te oder als Handl­ungs­auf­for­der­ung zu ver­steh­en. Der Er­werb von Wert­pa­pier­en birgt Ri­si­ken, die zum To­tal­ver­lust des ein­ge­setz­ten Ka­pi­tals füh­ren kön­nen. Die In­for­ma­tion­en er­setz­en kei­ne, auf die in­di­vi­du­el­len Be­dür­fnis­se aus­ge­rich­te­te, fach­kun­di­ge An­la­ge­be­ra­tung. Ei­ne Haf­tung oder Ga­ran­tie für die Ak­tu­ali­tät, Rich­tig­keit, An­ge­mes­sen­heit und Vol­lständ­ig­keit der zur Ver­fü­gung ge­stel­lt­en In­for­ma­tion­en so­wie für Ver­mö­gens­schä­den wird we­der aus­drück­lich noch stil­lschwei­gend über­nom­men. Die Mar­kets In­side Me­dia GmbH hat auf die ver­öf­fent­lich­ten In­hal­te kei­ner­lei Ein­fluss und vor Ver­öf­fent­lich­ung der Bei­trä­ge kei­ne Ken­nt­nis über In­halt und Ge­gen­stand die­ser. Die Ver­öf­fent­lich­ung der na­ment­lich ge­kenn­zeich­net­en Bei­trä­ge er­folgt ei­gen­ver­ant­wort­lich durch Au­tor­en wie z.B. Gast­kom­men­ta­tor­en, Nach­richt­en­ag­en­tur­en, Un­ter­neh­men. In­fol­ge­des­sen kön­nen die In­hal­te der Bei­trä­ge auch nicht von An­la­ge­in­te­res­sen der Mar­kets In­side Me­dia GmbH und/oder sei­nen Mit­ar­bei­tern oder Or­ga­nen be­stim­mt sein. Die Gast­kom­men­ta­tor­en, Nach­rich­ten­ag­en­tur­en, Un­ter­neh­men ge­hör­en nicht der Re­dak­tion der Mar­kets In­side Me­dia GmbH an. Ihre Mei­nung­en spie­geln nicht not­wen­di­ger­wei­se die Mei­nung­en und Auf­fas­sung­en der Mar­kets In­side Me­dia GmbH und de­ren Mit­ar­bei­ter wie­der. Aus­führ­lich­er Dis­clai­mer