Resurs Holding AB

RESURS

Equity

ISIN SE0007665823 / Valor 32303877

NASDAQ Nordic Exchange Stockholm, Equities (2025-10-31)

SEK 35.35%

Resurs Holding AB
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About company

Resurs Holding AB, through its subsidiary Resurs Bank AB, is a prominent financial services provider in the Nordic region, specializing in retail finance and consumer loans. The company operates primarily in two business segments: Payment Solutions and Consumer Loans. The Payment Solutions segment includes Retail Finance, Cards, and B2B services. Retail Finance offers comprehensive finance, payment, and loyalty solutions, while the Cards division provides credit and payment cards that allow retail partners to enhance their brand offerings. The B2B services focus on corporate loans, invoice factoring, and invoice discounting for small and mid-sized enterprises. In the Consumer Loans segment, Resurs provides unsecured loans aimed at facilitating larger purchases and investments, as well as loan consolidation to help consumers manage their financial obligations more effectively. As of the end of 2023, Resurs Holding AB had a workforce of 660 employees and managed a loan portfolio valued at SEK 38.8 billion.

Summarized from source with an LLMView SourceSector: Finance

Improved Operating Performance

Excluding the impairment, Resurs Holding AB’s operating profit reached 128 MSEK in Q1 2025, marking a 34 percent improvement over Q4 2024 and a significant 218 percent rise compared to the same quarter in the previous year, driven by enhanced customer payment patterns.

Impact of IT Investment Impairment

The company recorded an impairment of 326 MSEK on its IT investments as part of the ongoing implementation of its new strategic direction. This write-down, driven by rapid digital sector development, has not affected liquidity and has had a modestly positive impact on its capital base.

Capital Ratios and Financial Targets

Resurs Holding AB ended the period with a total capital ratio of 17.5% (up from 16.3%), exceeding the regulatory requirement by a buffer of 343 basis points. The revised financial targets outlined by the Board now aim for capital ratios to surpass the regulatory requirement by 150-300 basis points and include a plan to distribute up to 50 percent of net profit, subject to overall capital planning and growth investments.

Summarized from source with an LLMView Source

Key figures

50.4%1Y

47.3%3Y

-4.60%5Y

Performance

27.1%1Y

41.9%3Y

39.1%5Y

Volatility