Breakeven Date Change • Jul 20
Forecast breakeven date moved forward to 2026 The 3 analysts covering Qliro previously expected the company to break even in 2027. New consensus forecast suggests the company will make a profit of kr11.0m in 2026. Earnings growth of 99% is required to achieve expected profit on schedule. Reported Earnings • Jul 19
Second quarter 2026 earnings released: kr0.04 loss per share (vs kr1.22 loss in 2Q 2025) Second quarter 2026 results: kr0.04 loss per share (improved from kr1.22 loss in 2Q 2025). Revenue: kr96.0m (up 40% from 2Q 2025). Net loss: kr1.30m (loss narrowed 95% from 2Q 2025). Revenue is forecast to grow 27% p.a. on average during the next 3 years, compared to a 9.6% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 16% per year whereas the company’s share price has fallen by 12% per year. Breakeven Date Change • Jul 17 The 3 analysts covering Qliro previously expected the company to break even in 2026. New consensus forecast suggests the company will make a profit of kr32.6m in 2026. Earnings growth of 55% is required to achieve expected profit on schedule.
Recent Insider Transactions • Jun 21
Chief Executive Officer recently bought €101k worth of stock On the 16th of June, Christoffer Rutgersson bought around 57k shares on-market at roughly €1.77 per share. This transaction amounted to 7.1% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Christoffer has been a buyer over the last 12 months, purchasing a net total of €52k worth in shares. Aankondiging • Jun 17
Qliro AB (publ) Appoints Evelin Kaup as Deputy CEO, Effective, 17 June 2026 Qliro AB (publ) has appointed Evelin Kaup as Deputy CEO, effective, 17 June 2026. Evelin Kaup joined Qliro in August 2022 as a product development consultant and in January 2024 became a permanent employee as Chief Product Officer. Between September 2025 and May 2026, she also held the role of Chief Product & Technology Officer, with expanded responsibility for the Company's product and technology development. In her role as Deputy CEO, she takes on broader responsibility for the overall governance of the Company, with a focus on operations and on ensuring fast and efficient delivery in line with Qliro's strategy. As part of the change, the management work is dividend into two groups: an Executive Committee (ExCo) responsible for the Company's strategic governance, and an Executive Management Team (EMT) responsible for day-to-day operations. Evelin Kaup leads the EMT. The division creates a flatter organisational structure with a clearer division of responsibilities between strategic and operational management. Recent Insider Transactions • Jun 11
Chief Executive Officer recently bought €38k worth of stock On the 3rd of June, Christoffer Rutgersson bought around 22k shares on-market at roughly €1.70 per share. This transaction amounted to 2.7% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Christoffer has been a buyer over the last 12 months, purchasing a net total of €51k worth in shares. Aankondiging • May 25
Qliro AB (Publ) Announces Board Changes Qliro AB at its Annual General Meeting held on May 25, 2026 approved new election of Francois Tornier as Board members. Mikael Kjellman has declined re-election. Board Change • May 21
Insufficient new directors No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 3 experienced directors. 2 highly experienced directors. Independent Chairman of the Board Patrik Enblad was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model. Aankondiging • Apr 15
Qliro AB (publ) has completed a Follow-on Equity Offering in the amount of SEK 60.201148 million. Qliro AB (publ) has completed a Follow-on Equity Offering in the amount of SEK 60.201148 million.
Security Name: Shares
Security Type: Common Stock
Securities Offered: 3,541,244
Price\Range: SEK 17
Transaction Features: Rights Offering Aankondiging • Mar 17
Qliro AB (publ) has filed a Follow-on Equity Offering in the amount of SEK 60.201148 million. Qliro AB (publ) has filed a Follow-on Equity Offering in the amount of SEK 60.201148 million.
Security Name: Shares
Security Type: Common Stock
Securities Offered: 3,541,244
Price\Range: SEK 17
Transaction Features: Rights Offering Aankondiging • Nov 26
Qliro AB (publ), Annual General Meeting, May 25, 2026 Qliro AB (publ), Annual General Meeting, May 25, 2026. Location: stockholm Sweden Aankondiging • Oct 14
Qliro AB (publ) Appoints Christofer Zetterquist as Interim CFO Qliro AB (publ) announced that Christofer Zetterquist has been appointed interim CFO. He assumes the role immediately, succeeding Carl Löfgren, who announced his decision to step down as CFO in September. Christofer Zetterquist brings a solid background from the financial sector and extensive experience from senior positions. Most recently, he served as CFO at Skandiabanken, a position he has held since 2017. Prior to that, he was Head of Treasury at DNB Carnegie and has also held positions at EY and Accenture, as well as worked with product development at Nasdaq. Aankondiging • Aug 26
Qliro AB (publ) to Report Fiscal Year 2025 Results on Feb 10, 2026 Qliro AB (publ) announced that they will report fiscal year 2025 results on Feb 10, 2026 Aankondiging • Jun 06
Qliro AB (publ) has filed a Follow-on Equity Offering in the amount of SEK 72.759524 million. Qliro AB (publ) has filed a Follow-on Equity Offering in the amount of SEK 72.759524 million.
Security Name: Shares
Security Type: Common Stock
Securities Offered: 4,279,972
Price\Range: SEK 17
Transaction Features: Rights Offering Aankondiging • Apr 26
Qliro AB (publ), Annual General Meeting, May 28, 2025 Qliro AB (publ), Annual General Meeting, May 28, 2025, at 14:00 W. Europe Standard Time. Location: in wigge & partners advokat kbs office, at birger jarlsgatan 25, third floor, stockholm Sweden Aankondiging • Feb 06
Qliro AB (Publ) Announces Chief Financial Officer Changes Qliro AB (publ) announced the appointment of Carl Löfgren as its new Chief Financial Officer (CFO). He succeeds Mikael Rahm, who has been acting as interim CFO. Carl, who will assume his new role on 3 May 2025, will be responsible for Qliro's financial strategy and reporting, as well as contributing to the company's continued growth and development. Carl has a solid background in senior financial roles and most recently served as an Investment Manager at Investor AB, where he was responsible for their public holdings within financial services. Prior to that, he has more than 10 years of experience as a management consultant. In addition, Carl has been a member of Nasdaq Nordic's Advisory Board for nearly six years, where he has advised on the development of products and services for the Nordic market. Aankondiging • Jan 28
Qliro AB (publ) to Report Fiscal Year 2024 Results on Feb 11, 2025 Qliro AB (publ) announced that they will report fiscal year 2024 results at 7:30 AM, Central European Standard Time on Feb 11, 2025 Aankondiging • Dec 05
Qliro Launches a New Consumer App in Norway Qliro announced the launch of a new consumer app in Norway, offering the same user-friendly experience as in Sweden. The new app provides consumers with a clear overview of completed purchases, the ability to pay invoices, and access to convenient reminder features. This launch marks a significant step in its efforts to improve the payment experience and is launching a new consumer app in Norway. The app builds on its success in Sweden, where the new version has increased both customer satisfaction and usage. Since September 2024, the app has been downloaded more than 100,000 times in Sweden. The new features are designed to improve the user experience and make the payment journey even more simple. Norwegian users will now be able to pay their invoices directly in the app. The interface for completed purchases is improved, providing consumers with a clearer overview and reducing the risk of missed payments. For handling returns, invoices can be frozen, ensuring no payments are due during the processing period. The new app also offers integrated features like Qliro Loyalty Driver, strengthening the relationship between merchants and consumers after purchase, along with a built-in chat function for easy access to customer support. Reported Earnings • Nov 17
Third quarter 2024 earnings released: kr0.75 loss per share (vs kr0.037 profit in 3Q 2023) Third quarter 2024 results: kr0.75 loss per share (down from kr0.037 profit in 3Q 2023). Revenue: kr68.8m (down 18% from 3Q 2023). Net loss: kr14.3m (down kr15.0m from profit in 3Q 2023). Revenue is forecast to grow 16% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 48% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings. Aankondiging • Nov 09
Qliro Launches Qliro Instore - A New Payment Experience for Physical Stores in the Nordics Qliro launched Qliro Instore - a new payment solution that extends the company's payment platform to an innovative omni-s solution, strengthening Qliro's position as a leading player in payment solutions in the Nordic region. With Qliro Instore, merchants in the Nordics can seamlessly accept payments both in-store and online, offering their customers flexible payment options even in physical environments. Qliro Instore creates a single platform for both online and physical channels, giving merchants more control over the customer journey, driving loyalty and strengthening relationships with consumers. To make a payment, the customer scans a QR code in-store and completes the transaction using their mobile device. The customer can then choose from Qliro's popular payment options, including Pay Later, in the new Qliro Checkout 0.0 checkout. Qliro Instore is initially being developed for Sitoo's POS system and will be offered via other integrations in the future. The solution can be quickly implemented in existing payment flows without the need for extensive technical adaptations. Qliro Instore was presented to close to 300 guests, merchants and partners at Qliro's e-commerce event 'Ecom Summit 2024 - High performance in e-commerce' in Gothenburg on 7 November 2024. Aankondiging • Nov 07
Qliro AB (publ) to Report Q3, 2024 Results on Nov 15, 2024 Qliro AB (publ) announced that they will report Q3, 2024 results at 7:30 AM, Central European Standard Time on Nov 15, 2024 New Risk • Oct 06
New minor risk - Shareholder dilution The company's shareholders have been diluted in the past year. Increase in shares outstanding: 12% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Shareholders have been diluted in the past year (12% increase in shares outstanding). Market cap is less than US$100m (€54.7m market cap, or US$60.1m). Valuation Update With 7 Day Price Move • Sep 24
Investor sentiment improves as stock rises 17% After last week's 17% share price gain to €2.42, the stock trades at a forward P/E ratio of 34x. Average forward P/E is 7x in the Consumer Finance industry in Europe. Total loss to shareholders of 23% over the past three years. Recent Insider Transactions • Aug 13
Chief Executive Officer recently bought €306k worth of stock On the 9th of August, Christoffer Rutgersson bought around 132k shares on-market at roughly €2.33 per share. This transaction amounted to 20% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Christoffer has been a buyer over the last 12 months, purchasing a net total of €100k worth in shares. Reported Earnings • Jul 18
Second quarter 2024 earnings released: EPS: kr0.18 (vs kr0.042 in 2Q 2023) Second quarter 2024 results: EPS: kr0.18 (up from kr0.042 in 2Q 2023). Revenue: kr87.6m (up 2.7% from 2Q 2023). Net income: kr3.40m (up 325% from 2Q 2023). Profit margin: 3.9% (up from 0.9% in 2Q 2023). Revenue is forecast to grow 24% p.a. on average during the next 2 years, compared to a 10.0% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 38% per year but the company’s share price has fallen by 12% per year, which means it is significantly lagging earnings. Valuation Update With 7 Day Price Move • Jul 10
Investor sentiment improves as stock rises 20% After last week's 20% share price gain to €2.37, the stock trades at a forward P/E ratio of 28x. Average forward P/E is 8x in the Consumer Finance industry in Europe. Total loss to shareholders of 40% over the past three years. Reported Earnings • Apr 26
First quarter 2024 earnings released: EPS: kr0.18 (vs kr0.058 in 1Q 2023) First quarter 2024 results: EPS: kr0.18 (up from kr0.058 in 1Q 2023). Revenue: kr84.6m (up 4.2% from 1Q 2023). Net income: kr3.40m (up 209% from 1Q 2023). Profit margin: 4.0% (up from 1.4% in 1Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 23% p.a. on average during the next 2 years, compared to a 9.8% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has fallen by 26% per year, which means it is significantly lagging earnings. Reported Earnings • Apr 22
Full year 2023 earnings released: EPS: kr0.21 (vs kr4.90 loss in FY 2022) Full year 2023 results: EPS: kr0.21 (up from kr4.90 loss in FY 2022). Revenue: kr326.8m (up 11% from FY 2022). Net income: kr4.10m (up kr97.6m from FY 2022). Profit margin: 1.3% (up from net loss in FY 2022). The move to profitability was primarily driven by lower expenses. Revenue is forecast to grow 22% p.a. on average during the next 2 years, compared to a 9.8% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 11% per year but the company’s share price has fallen by 26% per year, which means it is significantly lagging earnings. Reported Earnings • Feb 09
Full year 2023 earnings released: EPS: kr0.21 (vs kr4.90 loss in FY 2022) Full year 2023 results: EPS: kr0.21 (up from kr4.90 loss in FY 2022). Revenue: kr326.8m (up 11% from FY 2022). Net income: kr4.10m (up kr97.6m from FY 2022). Profit margin: 1.3% (up from net loss in FY 2022). The move to profitability was primarily driven by lower expenses. Revenue is forecast to grow 22% p.a. on average during the next 2 years, compared to a 14% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has increased by 11% per year but the company’s share price has fallen by 33% per year, which means it is significantly lagging earnings. Breakeven Date Change • Dec 31
Forecast breakeven date pushed back to 2024 The analyst covering Qliro previously expected the company to break even in 2023. New forecast suggests the company will make a profit of kr16.3m in 2024. Average annual earnings growth of 105% is required to achieve expected profit on schedule. Reported Earnings • Oct 26
Third quarter 2023 earnings released: EPS: kr0.037 (vs kr1.18 loss in 3Q 2022) Third quarter 2023 results: EPS: kr0.037 (up from kr1.18 loss in 3Q 2022). Revenue: kr83.4m (up 8.9% from 3Q 2022). Net income: kr700.0k (up kr22.5m from 3Q 2022). Profit margin: 0.8% (up from net loss in 3Q 2022). The move to profitability was primarily driven by lower expenses. Aankondiging • Oct 11
Qliro AB Announces Nomination Committee Qliro AB announced Nomination Committee for the Annual General Meeting 2024 has been appointed in accordance with current instructions and applicable law. The Nomination Committee consists of: Christoffer Häggblom, appointed by Rite Ventures, Chairman of the Nomination Committee; Alexander Antas, appointed by Mandatum Private Equity; Thomas Krishan; Patrik Enblad, Chairman of the Board, Qliro. Aankondiging • Jul 21
Qliro AB (publ) to Report Fiscal Year 2023 Results on Feb 08, 2024 Qliro AB (publ) announced that they will report fiscal year 2023 results on Feb 08, 2024 Reported Earnings • Jul 20
Second quarter 2023 earnings released: EPS: kr0.042 (vs kr1.53 loss in 2Q 2022) Second quarter 2023 results: EPS: kr0.042 (up from kr1.53 loss in 2Q 2022). Revenue: kr85.3m (up 22% from 2Q 2022). Net income: kr800.0k (up kr28.2m from 2Q 2022). Profit margin: 0.9% (up from net loss in 2Q 2022). The move to profitability was primarily driven by higher revenue. Reported Earnings • May 04
First quarter 2023 earnings released: EPS: kr0.058 (vs kr0.40 loss in 1Q 2022) First quarter 2023 results: EPS: kr0.058 (up from kr0.40 loss in 1Q 2022). Revenue: kr81.2m (up 4.1% from 1Q 2022). Net income: kr1.10m (up kr8.30m from 1Q 2022). Profit margin: 1.4% (up from net loss in 1Q 2022). The move to profitability was primarily driven by lower expenses. Recent Insider Transactions • Feb 15
Chief Executive Officer recently bought €101k worth of stock On the 10th of February, Christoffer Rutgersson bought around 76k shares on-market at roughly €1.32 per share. This transaction amounted to 12% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Christoffer has been a buyer over the last 12 months, purchasing a net total of €105k worth in shares. Reported Earnings • Feb 09
Full year 2022 earnings released: kr4.90 loss per share (vs kr2.22 loss in FY 2021) Full year 2022 results: kr4.90 loss per share (further deteriorated from kr2.22 loss in FY 2021). Revenue: kr294.8m (down 8.3% from FY 2021). Net loss: kr93.5m (loss widened 134% from FY 2021). Aankondiging • Jan 27
Qliro AB (publ) to Report Fiscal Year 2022 Results on Feb 08, 2023 Qliro AB (publ) announced that they will report fiscal year 2022 results at 7:30 AM, Central European Standard Time on Feb 08, 2023 Recent Insider Transactions • Jan 01
Chief Executive Officer recently bought €24k worth of stock On the 28th of December, Christoffer Rutgersson bought around 20k shares on-market at roughly €1.19 per share. This transaction amounted to 3.2% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth €36k. This was Christoffer's only on-market trade for the last 12 months. Reported Earnings • Oct 26
Third quarter 2022 earnings released: kr1.18 loss per share (vs kr0.45 loss in 3Q 2021) Third quarter 2022 results: kr1.18 loss per share (further deteriorated from kr0.45 loss in 3Q 2021). Revenue: kr76.6m (down 6.1% from 3Q 2021). Net loss: kr21.8m (loss widened 169% from 3Q 2021). Revenue is forecast to grow 27% p.a. on average during the next 2 years, compared to a 8.8% growth forecast for the Consumer Finance industry in Europe. Aankondiging • Aug 31
Qliro AB (publ) announced that it has received SEK 1.54 million in funding On August 30, 2022, the company closed the transaction. Reported Earnings • Jul 20
Second quarter 2022 earnings released: kr1.53 loss per share (vs kr0.68 loss in 2Q 2021) Second quarter 2022 results: kr1.53 loss per share (down from kr0.68 loss in 2Q 2021). Revenue: kr70.2m (down 8.1% from 2Q 2021). Net loss: kr27.4m (loss widened 125% from 2Q 2021). Over the next year, revenue is forecast to grow 48%, compared to a 21% growth forecast for the industry in Germany. Aankondiging • Jun 09
Qliro AB (Publ) Announces CEO Changes, Effective from October 1, 2022 Qliro AB (publ) announced that Christoffer Rutgersson has been appointed by the board as the new CEO of Qliro AB. He succeeds Jonas Arlebäck, who has been acting CEO since February. Christoffer has extensive experience ofdriving profitable growth in entrepreneurial and fast-growing technology companies. Over the past ten years, Christoffer Rutgersson has held several leading positions in fast-growing companies in the technology sector. Among other things, Christoffer was one of the co-founders of Bambora, an international payment solution company, which was started in 2014 and then grew rapidly from about 50 to 800 employees within three years. At Bambora, Christoffer was responsible in the management team for strategy, growth, and analysis and drove the company's expansion in the Nordic region and Canada. In connection with Ingenico Retail's acquisition of Bambora in 2017, Christoffer was appointed Vice President of Ingenico Retail and facilitated a "Growth Transformation" with a focus on profitable growth, which resulted in both the company's profit and growth rate doubling. In the years before Bambora's founding, Christoffer worked as a management consultant at Boston Consulting Group. he is also an angel investor in technology start-up companies and sits on the board of, among other things, the fast-growing Greenely. Christoffer Rutgersson will assume the role of CEO on October 1, 2022. Aankondiging • May 18
Qliro AB (publ) Approves New Board Appointments Qliro AB (publ) announced that the Annual General Meeting resolved to elect Patrik Enblad and Mikael Kjellman as new members of the Board of Directors until the end of the next Annual General Meeting. Patrik Enblad was also elected as Chairman of the Board of Directors. Reported Earnings • May 04
First quarter 2022 earnings released: kr0.40 loss per share (vs kr0.25 loss in 1Q 2021) First quarter 2022 results: kr0.40 loss per share (down from kr0.25 loss in 1Q 2021). Revenue: kr78.0m (down 3.7% from 1Q 2021). Net loss: kr7.20m (loss widened 60% from 1Q 2021). Over the next year, revenue is forecast to grow 44%, compared to a 82% growth forecast for the industry in Germany. Reported Earnings • Feb 09
Full year 2021 earnings: Revenues and EPS in line with analyst expectations Full year 2021 results: kr2.22 loss per share (up from kr3.73 loss in FY 2020). Revenue: kr321.6m (up 16% from FY 2020). Net loss: kr39.9m (loss narrowed 40% from FY 2020). Revenue was in line with analyst estimates. Over the next year, revenue is forecast to grow 43%, compared to a 99% growth forecast for the industry in Germany. Breakeven Date Change • Jan 14
No longer forecast to breakeven The analyst covering Qliro no longer expects the company to break even during the foreseeable future. The company was expected to make a profit of kr49.0m in 2023. New forecast suggests the company will make a loss of kr6.00m in 2023. Reported Earnings • Oct 27
Third quarter 2021 earnings released: kr0.45 loss per share (vs kr0.87 loss in 3Q 2020) The company reported a solid third quarter result with reduced losses, improved revenues and improved control over expenses. Third quarter 2021 results: Revenue: kr81.6m (up 11% from 3Q 2020). Net loss: kr8.10m (loss narrowed 48% from 3Q 2020). Breakeven Date Change • Oct 27
Forecast to breakeven in 2023 The analyst covering Qliro expects the company to break even for the first time. New forecast suggests the company will make a profit of kr18.0m in 2023. Average annual earnings growth of 96% is required to achieve expected profit on schedule. Breakeven Date Change • Oct 20
Forecast to breakeven in 2023 The analyst covering Qliro expects the company to break even for the first time. New forecast suggests the company will make a profit of kr19.0m in 2023. Average annual earnings growth of 91% is required to achieve expected profit on schedule. Reported Earnings • Jul 21
Second quarter 2021 earnings released The company reported a solid second quarter result with reduced losses, improved revenues and improved control over expenses. Second quarter 2021 results: Revenue: kr76.4m (up 3.9% from 2Q 2020). Net loss: kr12.2m (loss narrowed 22% from 2Q 2020). Breakeven Date Change • Jul 20
No longer forecast to breakeven The analyst covering Qliro no longer expects the company to break even during the foreseeable future. The company was expected to make a profit of kr49.0m in 2023. New forecast suggests the company will make a loss of kr33.0m in 2023. Breakeven Date Change • Jul 16
Forecast to breakeven in 2023 The analyst covering Qliro expects the company to break even for the first time. New forecast suggests losses will reduce by 72% per year to 2022. The company is expected to make a profit of kr34.0m in 2023. Average annual earnings growth of 100% is required to achieve expected profit on schedule. Reported Earnings • May 12
First quarter 2021 earnings released The company reported a soft first quarter result with weaker earnings and weaker control over costs, although revenues improved. First quarter 2021 results: Revenue: kr81.0m (up 15% from 1Q 2020). Net loss: kr4.50m (down kr5.52m from profit in 1Q 2020). 
