Solid operating performance and strengthened capital position
"Lending momentum and profitability improved, with credit quality remaining sound," says Björn Lander, CEO Enity
Q3 2026 summary Y/Y
- Net interest income increased by 11%, and the net interest margin was stable at 4.2%
- Lending grew by 11%, or 5% adjusted for currency effects
- Credit quality improved, and credit loss ratio remained broadly stable
- Commission income up following the Uno acquisition, but under pressure Q/Q due to a slow market
- Strong profitability, adjusted return on tangible equity of 25% in the quarter, and 20% LTM
- CET1 ratio back at target range at 14.2%
| Q3 | Q3 | Q2 | |||
| SEKm | 2026 | 2025 | ? | 2026 | ? |
| Lending to the public | 33,838 | 30,514 | 10.9% | 32,092 | 5.4% |
| Net interest income | 342 | 308 | 11.1% | 335 | 2% |
| Net commission income | 63 | 13 | 385% | 73 | -14% |
| Operating income | 404 | 323 | 25% | 421 | -3.9% |
| Operating expenses | - 227 | - 174 | 30% | - 243 | - 7% |
| Net credit losses | - 26 | - 11 | 123% | - 22 | 14% |
| Operating profit | 152 | 138 | 10% | 155 | - 2% |
| Adjusted operating profit¹ | 170 | 163 | 4.3% | 173 | -1% |
| Profit for the period | 119 | 113 | 5% | 118 | 1% |
| Earnings per share, SEK | 2.3 | 2.1 | 8.1% | 2.2 | 1.2% |
| Net interest margin¹ | 25.4% | 20.9% | +4.5 pp | 24.9% | +0.5 pp |
| CET1 ratio, % | 14.2% | 15.1% | -0.9 pp | 13.9% | +0.3 pp |
| 1) See the report for definitions of alternative performance measures | |||||
All about the report
Investors, analysts and media are invited to participate in the following event:
Enity, Audiocast with teleconference today at 09:00 CET
Björn Lander, CEO, and Pontus Sardal, CFO, will present the results, followed by a Q&A session. The presentation and Q&A will be held in English.
If you wish to follow the presentation via webcast, please use the link below. There will be an opportunity to submit written questions.
https://events.inderes.com/enity/q3-report-2026
If you wish to participate via the teleconference, please register via the link below. After registration, you will be provided with phone numbers and a conference ID to access the conference. You will be able to ask questions verbally via the teleconference.
https://events.inderes.com/enity/q3-report-2026/dial-in
For further information, please contact:
Björn Lander, CEO
+46 (0)73 673 1899
bjorn.lander@enity.com
Pontus Sardal, CFO
+46 (0)70 149 9315
pontus.sardal@enity.com
Sofia Svavar, Head of Investor Relations
+46 (0)70 761 80 53
sofia.svavar@enity.com
About Enity
Enity is a challenger in the Nordic mortgage market, with a vision to make mortgages accessible to more people - regardless of employment type, financial background or age. Through a portfolio of mortgage banks, Enity offers a modern alternative to traditional banks. Since the group was founded as Bluestep Bostadslån in Stockholm in 2005, its operations have expanded to Norway and Finland, with 60plusbanken added in Sweden and Norwegian Bank2 joining the group in April 2024. Enity Bank Group is under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Additional information can be found on www.enity.com
This information is information that Enity Holding AB (publ) is obliged to make public pursuant to the EU Market Abuse Regulation. The information was submitted for publication, through the agency of the contact persons set out above, at 2026-11-05 07:00 CET.
Image Attachments
Björn Lander, vd Enity Holding
