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Audited DelfinGroup annual report for 2023
Emitents DelfinGroup, AS (iepriekšējais nosaukums - ExpressCredit, SIA) (2138002PKHUJIMVMYB13)
Veids 1.1 Gada finanšu pārskati un revīzijas ziņojumi
Valoda EN
Statuss Publicēts
Datums 2024-04-30 20:31:34
Versijas komentārs

The Management Board of DelfinGroup has prepared the audited annual report for 2023, which will be submitted for approval at the Annual General Meeting of Shareholders. The financial results have remained the same compared to the unaudited financial report for the 12 months of 2023, published on 28 February 2024.

In 2023, DelfinGroup focused on product digitalisation and system improvements, which ensured the company's readiness for scalable business growth, increasing market share and starting operations in Lithuania. DelfinGroup continued to develop all business lines and achieved the highest results in the company's history.

In 2023, DelfinGroup achieved the following results:

  • Net loan portfolio: EUR 89.0 million, +32%;
  • Revenue: 50.4 million euros, +41%;
  • EBITDA: 18.2 million euros, +39%;
  • Profit before taxes: 8.3 million euros, +14%;
  • Net profit: 6.6 million euros, +11%.



AS DelfinGroup Annual accounts for the year ended 31 December 2023 and Consolidated Annual Accounts for the year ended 31 December 2023 in ESEF and PDF format.

AS DelfinGroup Corporate Governance Report 2023;

AS DelfinGroup Remuneration Report 2023.


All attachments are available on DelfinGroup website https://delfingroup.lv/reports.


About DelfinGroup

AS DelfinGroup is a licenced fintech company established in 2009 and operates under the brand names Banknote and VIZIA. The company has been profitable every year since 2010. DelfinGroup continuously develops and offers consumer and pawn loans, loans developed for senior citizens, Buy now pay later loans (BNPL loans), and the sale of pre-owned goods online and at more than 90 branches across Latvia. Since 2014, DelfinGroup has been known on the Nasdaq Riga Stock Exchange as a bond issuer and, since 2021, as a listed company on the Baltic Main List. The company regularly pays dividends to its shareholders. The sustainability of DelfinGroup is based on focused corporate governance, fintech innovation, responsible lending, financial inclusion, and facilitating the circular economy.


         For further information, please contact:
         Aldis Umblejs,
         DelfinGroup Chief Financial Officer
         Phone: +371 26189988
         E-mail: IR@delfingroup.lv

DelfinGroup_annual statements_2023_with_auditor_report.pdf (6251.83 kB)
DelfinGroup_Corporate_Governance_Report_2023.pdf (795.78 kB)
DelfinGroup_Remuneration_Report_2023.pdf (516.15 kB)
asdelfingroup-2023-12-31-lv.zip (3980.23 kB)
asdelfingroup-2023-12-31-lv_preview.xhtml (12481.48 kB)