In the first nine months of 2026, DelfinGroup continued to grow in its core business area - the consumer lending segment.
In the first nine months of 2026, consumer loan issuance reached EUR 86.1 million, up 5% compared to the same period last year. In the third quarter, EUR 31.0 million was issued in consumer loans, 4% less than in the third quarter of 2025, when an exceptionally high issuance volume was achieved due to a one-off factor. Despite quarterly fluctuations in issuance volumes, the consumer loan portfolio continues to grow.
The retail of pre-owned segment also showed positive momentum: in the third quarter of 2026, sales of goods increased by 9% to EUR 5.5 million. In the first nine months, sales amounted to EUR 14.8 million, up 1% compared to the same period last year.
Pawn loan issuance amounted to EUR 5.7 million in the third quarter of 2026 and EUR 17.4 million in the first nine months, while the company maintained its primary focus on the profitability and portfolio quality of the pawn loan segment. Comparable results were also affected by the discontinuation of pawn loan issuance in Lithuania in the third quarter of last year. Total loan issuance in the first nine months increased by 2% to EUR 103.5 million.
| Q3 2026 | Q3 2025 | Change % | 9M 2026 | 9M 2025 | Change % | |
| Consumer loan issuance (EUR '000) | 30 967 | 32 407 | -4% | 86 098 | 82 079 | +5% |
| Pawn loan issuance (EUR '000) | 5 662 | 5 900 | -4% | 17 360 | 19 225 | -10% |
| Total loan issuance (EUR '000) | 36 629 | 38 307 | -4% | 103 458 | 101 304 | +2% |
| Retail sales of goods (EUR '000), excl. VAT | 5 541 | 5 090 | +9% | 14 759 | 14 651 | +1% |
About DelfinGroup
DelfinGroup is a licensed Latvian fintech company founded in 2009 and is a part of the INDEXO group since 2025. DelfinGroup currently operates in Latvia and Lithuania. The company operates under the brand names Banknote and VIZIA. The company has been profitable every year since 2010. DelfinGroup continuously develops and offers consumer loans, pawn loans, and the sale of pre-owned goods online and at more than 80 branches across Latvia. Since 2014, DelfinGroup has been known on the Nasdaq Riga Stock Exchange as a bond issuer and, since 2021, as a listed company on the Baltic Main List. The company regularly pays dividends to its shareholders. The sustainability of DelfinGroup is based on focused corporate governance, fintech innovation, responsible lending, financial inclusion, and facilitating the circular economy.
Additional information:Arturs Dreimanis
DelfinGroup Head of Treasury and Investor Relations
Phone: +371 26189988
E-mail: IR@delfingroup.lv
