CEO’s latest message
November 6, 2025
Tarmo Sild
CEO of Iute Group
“In the first nine months of 2025, Iute Group delivered disciplined growth and improved efficiency, achieving stronger results without increasing operating expenses.”
“Scale effects, data-driven underwriting, and rising automation lifted profitability while enhancing portfolio quality and customer engagement. Our ecosystem continues to broaden, with wallet and insurance services adding meaningful, recurring revenues and supporting predictable cash generation. We balance near-term earnings with targeted investments in data science, automation, personalization, ecosystem expansion, and our SuperApp to compound efficiency and customer value. Annual investments in new technologies that support large-data processing, automation and personalization exceed 12 million euros. A balanced, long-term funding structure, proven market access, and prudent liability management underpin a robust balance sheet and resilience across cycles. We have clear operational leverage, strengthened credit metrics, and a consistent track record against guidance. Iute Group is positioned to continue its profitable march into 2026. We will offer an even more technologically advanced value proposition for our customers and ecosystem partners”