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  3. •

    Finance/Rental/Leasing
DelfinGroup AS

DelfinGroup AS

1.51
EUR
-0.01
(-0.99%)
64.57MMarket Cap
Nov 11Next Earn
DelfinGroup AS
FRA:ON0
(Frankfurt Stock Exchange)

Recent

price

1.51

P/E

ratio

- -

div

yld

3.75%

ROIC.AI

2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
EUR
0.4
0.41
0.47
0.49
0.51
0.67
0.9
1.13
1.43
- -
Revenue per Share
0.08
0.11
0.1
0.1
0.1
0.13
0.15
0.16
0.21
- -
Basic EPS, GAAP
-0.03
0.01
-0.18
0.05
-0.09
-0.41
-0.36
-0.37
-0.43
-0.07
Free Cash Flow per Basic Share
0.05
0.06
0.04
0.07
0.09
0.12
0.08
0.08
0.1
0.06
Dividend per Share
0.09
0.15
0.21
0.24
0.39
0.4
0.47
0.55
0.66
0.72
Book Value per Share
0.08
0.14
0.2
0.23
0.37
0.38
0.43
0.5
0.62
0.67
Tangible Book Value per Share
40
40
40
40
41
45
45
45
45
45
Basic Weighted Avg Shares
16
16
19
20
21
30
41
51
65
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
1
1
1
1
1
2
2
2
Depreciation Expense
3
5
4
4
4
6
7
7
10
- -
Net Income, GAAP
15.18
1.71
8.21
15.54
19.6
17.86
20.05
20.69
22.54
- -
Effective Tax Rate (%)
19.45
27.88
20.63
20.85
19.15
19.55
16.21
14.23
14.83
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
16
20
29
35
33
57
80
98
126
132
LT Debt
4
6
8
10
17
18
21
25
30
33
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
19.94
12.53
10.09
8.5
9.52
7.51
6.5
6.89
- -
Return on Capital (%)
- -
94.29
54.65
45.24
29.5
33.51
33.62
31.46
34.92
- -
Return on Common Equity (%)

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
45
45
45
Market Capitalization
- -
58
65

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
4
2
2
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
27.66%
20.92%
Free Cash Flow
- -
16.95%
16.32%
Net Income, GAAP
- -
19.9%
32.14%
Sales/Revenue/Turnover
- -
27.59%
26.75%
Total Cash Common Dividend
- -
12.09%
19.59%

Quarterly Revenue

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
11
12
14
14
51
2025
14
16
- -
17
65
2026
17
16
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.04
0.04
0.04
0.04
0.16
2025
0.04
0.04
- -
0.08
0.21
2026
0.06
0.06
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
0.03
0.02
0.08
2025
- -
- -
0.03
0.03
0.1
2026
- -
- -
- -
- -
- -
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Business
DelfinGroup AS is a Latvia-based financial technology and consumer financial services company that provides inclusive non-bank lending and circular economy retail solutions across the Baltic region. Founded in 2009 and headquartered in Riga, Latvia, the company operates primarily through three core segments: Consumer Lending, Pawn Lending, and Circular Economy Retail, delivering its portfolio under the Banknote and VIZIA brand names. DelfinGroup provides a broad range of products and services, including unsecured personal consumer loans; credit line facilities and revolving credit limits; specialized loan products tailored for senior citizens; debt consolidation and loan refinancing services; point-of-sale (POS) financing and Buy Now, Pay Later (BNPL) merchant checkout solutions; real estate-secured credit facilities; short-term pawn loans secured by pledges of movable property such as precious metals, jewelry, consumer electronics, and tools; circular retail commerce involving the appraisal, procurement, and resale of verified pre-owned, refurbished, and new consumer goods through an extensive physical branch network and digital e-commerce channels; and consumer financial facilitation services, including international money transfers in partnership with Western Union and utility bill payment processing. The company serves individual consumers across Latvia and Lithuania through a hybrid model combining more than 90 physical retail branches with mobile and web-based financial platforms. In recent developments, DelfinGroup became a subsidiary of the financial group IPAS INDEXO following a takeover offer, aligning the business with a larger banking ecosystem to access lower-cost funding and capture operational synergies. Additionally, the company initiated international geographical expansion by establishing a branch network and circular retail operations in Lithuania, introduced real estate-collateralized consumer loan offerings, continuously enhanced its automated algorithmic credit scoring platforms, and executed multiple public corporate bond issuances on the Nasdaq Riga Baltic Main List to support the sustained expansion of its loan and retail portfolios.