Financial overview

Key performance indicators
SEKt
Q4 2015 Q1 2016 Q2 2016 Q3 2016 Q4 2016
Gross cash collections
1,032,221 1,055,794 1,075,877 1,074,720 1,104,772
Net revenue from acquired loan portfolios 
564,634 575,650 608,365 606,387 620
Total revenue
620,603 636,094 636,094 664,754 672
EBIT 1)
211,042 230,674 230,556 232,598 242
EBIT margin 2), %
34 36 35 35 36
EBT
131,550 123,110 124,849 130,271 155
Net profit/loss
106,950 94,759 100,915 103,365 118
Portfolio acquisitions, SEKm
1,451 648 507 607 1,568
 
Basic earnings per share 3) 4), SEK
1.32 1.17 1.25 1.27 1.41
Diluted earnings per share 3) 4), SEK
1.29 1.14 1.22 1.25 1.38
 
SEKm
31-Dec-15 31-Mar-16 30-Jun-16 30-Sep-16 31-Dec-16
Carrying value of acquired loan portfolios 5), SEKm
11,278 11,346 11,359 11,658 12,658
Gross 120 month ERC 6), SEKm
19,367 19,221 19,230 19,450 21,375
Return on equity, %
12 17 17 17 18
 
Total capital ratio, %
15.21 15.25 15.73 15.45 16.73
CET1 ratio, %
12.32 12.34 12.87 12.63 12.43
 
1) Includes listing expenses totalling SEK 47m for 2015 and costs associated with staff changes SEK 17m for Q4 2015, which have a negative impact on EBIT.
2) The EBIT margin for Q1 2015 is adjusted for costs in connection to the listing.
3) Includes effect of 983,913 outstanding warrants for Q2 2015 and effect of 929,627 outstanding warrant for Q3 2015
4) Following the share split 1:3 each warrant entitles the holder to subscribe for three new shares. Comparative figures were recalculated as regards the effects of the share split.
5) Including run-off portfolio of consumer loans and portfolios held in joint venture.
6) Excluding run-off portfolio of consumer loans and portfolios held in joint venture.