QUALCO GROUP S.A.

QUALCO GROUP S.A.

AATHEX:QLCO
6.00
EUR
-0.08
(-1.32%)
385.16MMarket Cap
Mar 03Next Earn
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.18
2.5
2.62
3.26
- -
Basic EPS, GAAP
0.28
0.27
0.22
- -
- -
Free Cash Flow per Basic Share
0.14
0.07
-0.02
-0.03
- -
Dividend per Share
0.12
0.12
- -
0.06
- -
Book Value per Share
0.49
0.64
0.67
1.4
1.28
Tangible Book Value per Share
0.33
0.35
0.19
0.5
0.33
Basic Weighted Avg Shares
70
70
70
66
70
Sales/Revenue/Turnover
153
175
184
216
- -
Operating Margin (%)
16.56
16.87
14.3
13.13
- -
Depreciation Expense
10
9
12
15
- -
Net Income, GAAP
19
19
15
- -
- -
Effective Tax Rate (%)
27.03
30.3
31.71
39.1
- -
Profit Margin (%)
12.64
10.83
8.32
0.11
- -
Working Capital
18
14
5
41
21
LT Debt
31
33
45
58
56
Total Equity
34
46
50
107
98
Return on Invested Capital (%)
- -
21.59
15.49
8.34
- -
Return on Capital (%)
- -
24.67
16.12
-4.29
- -
Return on Common Equity (%)
- -
48.13
33.3
0.32
- -

Capital Structure

EUR

•

in mil. unless spec.
Jun'26
ST Debt
28
LT Borrowings
41
LT Finance Leases
16
Preferred Equity and Hybrid Capital
- -
Shares Outstanding
70
Market Capitalization
385

Working Capital

EUR

•

in mil. unless spec.
Jun'26
Total Current Assets
120
Cash, Cash Equivalents & STI
25
Accounts Receivable, Net
36
Inventories
- -
Total Current Liabilities
99
Payables & Accruals
- -
ST Debt
28
Deferred Revenue
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
112.02%
Free Cash Flow
- -
- -
2.81%
Net Income, GAAP
- -
- -
-98.47%
Sales/Revenue/Turnover
- -
- -
17.37%
Total Cash Common Dividend
- -
- -
- -

Semi-annual Revenue

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
184
2025
- -
- -
216
2026
- -
- -
- -

Semi-annual Earnings Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.22
2025
- -
- -
- -
2026
- -
- -
- -

Semi-annual Dividends Per Share

EUR

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
- -
2025
- -
- -
0.06
2026
- -
- -
- -

Company Description

CEO
Miltiadis Georgantzis
Full Time Employees
1,297
Sector
Technology services
Industry
Information technology services
Address
Athens Greece
IPO Date
May 15, 2025
Business
QUALCO GROUP S.A. is an international financial technology provider specializing in credit, lending, receivables management software, and technology-enabled portfolio management solutions. The company operates through two primary business segments: Software & Platforms and Portfolio Management. Its Software & Platforms segment develops and deploys end-to-end enterprise software, SaaS, and Platform-as-a-Service (PaaS) architectures, including QUALCO 360, an integrated credit lifecycle management platform; QUALCO Collections & Recoveries (QCR), an automated non-performing loan and debt recovery system; QUALCO Loan Originator, an automated loan application and credit underwriting system; QUALCO Loan Manager, an end-to-end loan administration and servicing solution; QUALCO ProximaPlus and QUALCO Kyberas, supply chain finance, factoring, and invoice discounting platforms; QUALCO Scalefin, a digital banking suite; ExtraCollect, a self-service digital debt recovery platform; and an agentic artificial intelligence suite incorporating the Generative AI Assistant (GAIA) and a proprietary Data-Driven Decisions Engine for advanced behavioral scoring and predictive analytics. Its Portfolio Management segment provides technology-enabled services, including non-performing loan (NPL) and non-performing exposure (NPE) servicing, credit portfolio underwriting, middle office administration, debt portfolio securitization through QUALCO Intelligent Finance, business process outsourcing (BPO), and digital real estate transaction services through Uniko, a joint venture digital marketplace platform. QUALCO Group serves retail banks, corporate lenders, alternative finance providers, loan servicers, debt purchasers, public utilities, telecommunications operators, and commercial enterprises across more than 30 countries globally. Founded in 1998, the company is headquartered in Athens, Greece. In May 2025, QUALCO GROUP S.A. completed its initial public offering (IPO) on the Main Market of the Athens Stock Exchange (ATHEX: QLCO). In recent corporate expansions, the company completed the full acquisition of enterprise software integrator D.D. SYNERGY S.A. in January 2026, acquired a 50.1% majority stake in artificial intelligence provider Multiverse in 2026, acquired cybersecurity provider Cenobe and technology consultancy Empedus in 2025, and increased its equity participation in cloud solutions provider Indice to 50.1%.