Enity Holding AB (publ) Q3 report July – September 2026
Björn Lander, vd Enity Holding
Enity Holding AB's (publ) Q3 results 2026
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 margin (%)¹ | 4.2% | 4.1% | +0.1 pp | 4.2% | 0.0 pp |
| Adjusted C/I ratio excl brokers, %¹ | 41.6% | 45.4% | +3.8 pp | 45.7% | +4.1 pp |
| Credit loss ratio LTM, %¹ | 0.31% | 0.26% | +0.1 pp | 0.27% | 0.0 pp |
| Adjusted RoTE, (%)¹ | 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 | |||||
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.