INTRUMNasdaq StockholmFinancialsIFRS · SEK

Intrum

Intrum is a leading credit management company in Europe, operating in 20 countries and headquartered in Stockholm, Sweden. The company specializes in offering comprehensive credit management services, including debt collection and portfolio investments, to help businesses improve cash flow and profitability. Intrum serves around 80,000 companies and employs over 9,800 professionals. Its shares are listed on the Nasdaq Stockholm exchange.

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Revenue17.0bn SEK
−5.6 %y/y
Operating profit (EBIT)435m SEK
−77.6 %y/y
EBIT margin2.6%
−8.2 ppy/y
Net income-1,072m SEK
+68.0 %y/y
Free cash flow8,157m SEK
+123.1 %y/y

Fiscal year 2025 · change from previous year

Development 2021–2025

05101520bn SEK2021: 17.8 bn SEK2021: EBIT 6.5 bn SEK20212022: 19.5 bn SEK2022: EBIT 0.15 bn SEK20222023: 19.9 bn SEK2023: EBIT 4.4 bn SEK20232024: 18.0 bn SEK2024: EBIT 1.9 bn SEK20242025: 17.0 bn SEK2025: EBIT 0.44 bn SEK202517.00.44
RevenueOperating profit (EBIT)
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Business

Share of revenue
Credit Management Services40 %

Services covering the entire credit management chain, acting as agents.

Strategic Markets30 %

Acting as agents to collect late payments on clients’ behalf.

Portfolio Investments30 %

Investing in and collecting overdue receivables on own behalf.

Customers

Intrum's customers primarily include businesses across Europe seeking to manage their credit and improve cash flow. These companies rely on Intrum's services to ensure timely payments and reduce financial risks. The firm also serves financial institutions looking to outsource debt collection and portfolio management. Intrum's solutions are essential for businesses aiming to focus on core operations while maintaining financial health.

European Businesses

Utilize credit management services to improve cash flow and reduce financial risks.

Financial Institutions

Outsource debt collection and portfolio management to focus on core operations.

SMEs

Seek solutions for timely payments and financial health.

Strategy

Intrum's strategic priorities focus on maintaining market leadership through a capital-light strategy, leveraging technology for operational efficiencies, and increasing commercial focus. The company aims to reduce leverage and drive growth by integrating AI and utilizing third-party capital. Intrum's strategic initiatives are designed to enhance client focus and operational excellence while adapting to changing market conditions. These efforts are expected to sustain Intrum's competitive advantage and support long-term growth.

Capital-light strategyMedium term

To reduce leverage and enhance financial flexibility.

Operational excellenceShort term

To improve efficiency and service quality.

Client focusLong term

To maintain market leadership and customer satisfaction.

Geography

Intrum operates in 20 countries across Europe, with a strong presence in Northern, Middle, and Southern Europe. The company is headquartered in Stockholm, Sweden, and leverages its extensive geographic reach to serve a diverse range of clients. Key markets include Sweden, Germany, Spain, and Italy, where Intrum has significant operations and client bases. This broad geographic presence allows Intrum to mitigate regional risks and capitalize on growth opportunities across different markets.

Risks

Intrum faces several risks, including economic downturns that could affect clients' ability to pay debts, regulatory changes impacting credit management practices, and competition from other credit management firms. The company's operations in multiple countries expose it to geopolitical risks and currency fluctuations. Additionally, Intrum must manage the risk of technological disruptions as it integrates AI and other technologies into its operations. These risks require careful management to ensure sustainable growth and profitability.

Sorted by severity
LowMediumHighLowMediumHighImpact →Likelihood →Economic downturns1Regulatory changes2Competition4Technological disruptions5
Impact is the risk’s severity and likelihood how probable it is over the next few years, both assessed from the company’s reports. Numbers match the list.
  1. Economic downturnsImpact: CriticalLikelihood: Low

    Could reduce clients' ability to pay debts.

  2. Regulatory changesImpact: HighLikelihood: Low

    May impact credit management practices.

  3. Geopolitical risksImpact: High

    Affect operations in multiple countries.

  4. CompetitionImpact: MediumLikelihood: Medium

    Could affect market share and pricing.

  5. Technological disruptionsImpact: MediumLikelihood: Low

    Integration of AI and new technologies.

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Accounting

Judgemental items
Revenue recognition

Affects reported income and profitability.

Impact: high

Goodwill impairment

Crucial due to acquisitions and market investments.

Impact: medium

Estimates and provisions

Affect financial results related to receivables.

Impact: medium

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Last updated: 24/09/2026

Intrum Revenue, Earnings & Financials 2025 – Clarifo