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B2 Impact ASA
OSE:B2I

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B2 Impact ASA
OSE:B2I
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Price: 23.75 NOK 1.71% Market Closed
Market Cap: kr8.8B

B2 Impact ASA
Investor Relations

B2Holding ASA engages in the acquisition and collection management processes for non-performing loans. The company is headquartered in Oslo, Oslo and currently employs 1,681 full-time employees. The company went IPO on 2016-06-08. The firm offers Debt collection services, that helps debtors back on track, and provide optimal collections through amicable solutions or legal processes. B2 Impact presents a flexible approach to the restructuring of debts. Such an approach is often of considerable benefit to a debtor, whose goal, despite temporary problems, is to restore his/her financial credibility and status as a reliable consumer; Debt purchase, that helps debtors back on track, and provide optimal collections through amicable solutions or legal processes; and Third party debt collection is offered as a service in the Baltics, Finland, Norway and Sweden on behalf of customers.

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Last Earnings Call
Fiscal Period
Q4 2025
Call Date
Feb 12, 2026
AI Summary
Q4 2025

EPS Growth: Earnings per share grew 57% for 2025, driven by strong collections, automation, and cost reductions.

Dividend: The board proposes a 2025 dividend of NOK 1.9 per share, reflecting a 100% payout of adjusted net profit.

Collections Performance: Cash collections grew 17% in 2025, with unsecured collections up 12% and collection performance above 110%.

Cost Control: Operating expenses were flat for the year and down 3% in Q4, helped by automation and efficiency improvements.

Investment Activity: NOK 3.7 billion was invested in 2025, with NOK 1.2 billion already committed for 2026.

ERC Growth: Estimated Remaining Collections (ERC) increased from NOK 25.5 billion to NOK 28.8 billion, with unsecured ERC up nearly 20%.

Long-term Targets: New targets for 2026–2028 include at least 30% EPS growth, ROE above 16%, investments above NOK 10 billion, and leverage below 2.5.

Shareholder Returns: Total dividends of approximately NOK 9 per share planned for 2025–2028.

Key Financials
Earnings Per Share
57% growth
Dividend Per Share
NOK 1.9
Cash Collections Growth
17%
Unsecured Collections Growth
12%
Collection Performance
110%
Estimated Remaining Collections (ERC)
NOK 28.8 billion
Operating Expenses
flat for 2025; down 3% in Q4
Investments (2025)
NOK 3.7 billion
Committed Investments (2026)
NOK 1.2 billion
Cash EBITDA Growth
16% in Q4; 22% for the full year
Leverage Ratio
2.1
REO Sales (2025)
NOK 681 million
REO Book Value Reduction
down 30%
Cash Earnings
NOK 383 million
Liquidity Reserve
EUR 400 million
Hedging Ratio
70%
Other Earnings Calls

Management

Mr. Erik Just Johnsen
Chief Executive Officer
No Bio Available
Mr. André Holø Adolfsen
Chief Financial Officer
No Bio Available
Mr. Adam Parfiniewicz
Chief Operating Officer
No Bio Available
Mr. Endre Solvin-Witzo
Chief Investment Officer
No Bio Available
Mr. Rasmus Michael Hansson
Head of Commercial Strategy, Investor Relations and M&A
No Bio Available
Mr. Jeremi Bobowski
Chief Risk, Compliance & ESG Officer
No Bio Available
Mr. Georgios Christoforou
Chief Master & Special Servicing Officer
No Bio Available
Mr. Maris Baidekalns
Chief Executive of Creditreform Latvija - Latvia
No Bio Available
Mr. Jon Brede Smith
Chief Group Controller
No Bio Available
Ms. Irene Berge
Financial Controller
No Bio Available

Contacts

Address
OSLO
Oslo
Cort Adelers gate 30
Contacts
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