Revenue

Alisa's revenue growth in the last quarter was driven by a significant increase in laskurahoituksen (invoice financing) volumes, which rose by over 20% compared to the previous year. This growth can be attributed to the company's strategic focus on supporting the growth of small and medium-sized enterprises (SMEs) through its invoice financing product. Additionally, Alisa's efforts to expand its customer base and increase market share in the SME segment have also contributed to the revenue growth. However, the company's revenue development is expected to be impacted by the ongoing economic uncertainty and potential changes in customer behavior. Furthermore, Alisa's ability to adapt to these changes and maintain its market position will be crucial in driving future revenue growth.

The realised revenue for Q2 2026 is 3.0 million Euros, and the predicted revenue for Q2 2027 (e) is 4.6 million Euros. The revenue is expected to increase by 1.6 million Euros, which is a 53.33% change from the realised value to the predicted value. The revenue is expected to increase by 0.4 million Euros from 2025 to 2026, which is a 2.7% change. From 2026 to 2027, the revenue is predicted to increase by 3 million Euros, representing a 19.6% change. The annual revenue values are 14.9 million Euros in 2025, 15.3 million Euros in 2026, and 18.3 million Euros in 2027.

Ebit

Alisa's EBIT profitability has demonstrated a notable decline in the first half of 2026, primarily driven by increased expenses related to its strategic focus on small and medium-sized enterprises. The bank's efforts to expand its digital services and invest in technology have led to higher costs, which have negatively impacted profitability. Additionally, Alisa's decision to reduce its consumer lending business has resulted in a decrease in interest income, further contributing to the decline in EBIT profitability. However, the bank's management has emphasized its commitment to maintaining a stable risk profile, which may have led to a more cautious approach to lending and investments. Overall, Alisa's EBIT profitability is expected to remain under pressure in the near term, requiring the bank to implement cost-saving measures and optimize its business model to improve profitability.

The realised Ebit for Q2 2026 is -0.9 million Euros, while the predicted Ebit for Q2 2027 (e) is -0.6 million Euros. The expected change in Ebit from Q2 2026 to Q2 2027 (e) is an increase of 0.3 million Euros, which represents a 33.3% improvement. The Ebit is expected to decrease by 1.1 million Euros from 2025 to 2026, which is a 52% change. From 2026 to 2027, the Ebit is expected to decrease by 0.6 million Euros, which is a 19% change. The annual Ebit values for the given years are -2.1, -3.2, and -2.6 million Euros respectively.

Profit befor tax

The realised Profit before tax in Q2 2026 is -0.9 million Euros, and the predicted Profit before tax in Q2 2027 (e) is -0.6 million Euros. The expected change in one year is an increase of 0.3 million Euros, which is a 33.3% improvement. The change in Profit before tax from 2025 to 2026 is a decrease of 1.1 million Euros, which is a 52% increase in the rate of decrease. From 2026 to 2027, the change is a decrease of 0.6 million Euros, which is a 19% increase in the rate of decrease. The annual values for Profit before tax are -2.1 million Euros in 2025, -3.2 million Euros in 2026, and -2.6 million Euros in 2027.

Profit

The realised value of Alisa Profit in Q2 2026 is -0.9 million Euros, and the predicted value for Q2 2027 (e) is -0.5 million Euros. The expected change in Alisa Profit from Q2 2026 to Q2 2027 (e) is an increase of 0.4 million Euros, which represents a 44.4% improvement. The change in profit from 2025 to 2026 is a decrease of 0.8 million Euros, which is a 38% drop. The change in profit from 2026 to 2027 is a decrease of 0.8 million Euros, which is a 28% drop. The annual profit values are -2.1 million Euros in 2025, -2.9 million Euros in 2026, and -2.1 million Euros in 2027.