QUALCO GROUP S.A.

QUALCO GROUP S.A.

QLCO · AT · Technology / Software - Application

6.25EUR+0.20 (+3.31%)

Price History

Full chart

Market Stats

Previous Close6.05
Open5.99
Day Range5.99 – 6.25
52-Week Range5.04 – 6.69
Volume236.55K
Market Cap419.48M
P/E (TTM)74.88
Forward P/E0.00
EPS0.08
Dividend Yield0.75%
50-Day Avg5.93
200-Day Avg5.88

About

Qualco Group S.A. designs and develops platform as a service and portfolio management solutions for financial market. The company offers QUALCO Loan Manager, a loan management software for creditors; purpose-built solutions; QUALCO 360, a platform to adapt customer changing behaviors; QUALCO Loan Originator, an automated system to streamline loan origination; QUALCO Collections & Recoveries, a debt management solution platform that handles all credit and receivables, from early collections to legal processes and recoveries; QUALCO Data-Driven Decisions Engine, a hub for credit portfolio analytics; QUALCO ProximaPlus, a supply chain finance platform; QUALCO Kyberas to manage discounted process; QUALCO Scalefin, a digital banking platform; QUALCO Digital Self-Service Portal; QUALCO Omnichannel Customer Engagement platform; Generative AI Assistant, a platform for processing technical documentation; QUALCO ExtraCollect platform for debt recovery data; Togglit for debt collection agencies; Uniko, a real estate platform; QUALCO Intelligent Finance, a B2B receivables management platform; Quant, an independent servicer platform of non-performing loans; and an operation digitalization platform, as well as offers information and communication technology. It serves banks, and financial institutions. Qualco Group S.A. was founded in 1998 and is headquartered in Athens, Greece. Qualco Group S.A. operates as a subsidiary of Wokalon Finances Limited.

Company Details

  • SectorTechnology
  • IndustrySoftware - Application
  • CEOMr. Miltiadis Georgantzis
  • Employees1.28K
  • Headquarters66, Kifisias Avenue, Athens, Greece, 15125, Greece
  • Websitehttps://qualco.group

Leadership

  • Mr. Orestis TsakalotosCo-Founder & Executive Chairman · b. 1962
  • Mr. Miltiadis GeorgantzisCo-Founder, Group CEO & Executive Director · b. 1967
  • Mr. Nikolaos H. KontopoulosGroup Chief Financial Officer
  • Ms. Varvara KountourakiChief Operating Officer
  • Mr. Spyridon RetzekasGroup Deputy CEO and Head of Software & Technology · b. 1976
  • Ms. Despoina TripyliotInvestor Relations Officer
  • Ms. Pavlina LoukiGroup Executive Director of Marketing
  • Mr. George KazosGroup Deputy CEO & Head of Platforms as a Service
  • Mr. Nikos VardaramatosQuant CEO & Head of Portfolio Management
  • Mr. John GikopoulosChief Innovation Officer & Head of Applied Intelligence

Financials

Income Statement

Currency: EUR2022-12-312023-12-312024-12-312025-12-31
Total Revenue152.66M174.95M183.77M215.69M
Growth (%)-+14.60%+5.04%+17.37%
Cost of Revenue81.80M93.60M96.78M120.39M
Gross Profit70.82M81.26M86.99M95.30M
Gross Margin46.39%46.45%47.34%44.18%
Operating Expense45.53M51.75M60.70M66.98M
Operating Income25.29M29.51M26.29M28.32M
Operating Margin16.56%16.87%14.30%13.13%
EBITDA35.88M38.66M37.92M35.13M
EBITDA Margin23.50%22.10%20.64%16.28%
Net Income19.29M18.95M15.29M234.00K
Net Income Margin12.64%10.83%8.32%0.11%
Interest Expense2.27M2.91M2.69M4.07M
Interest Expense % of Total Revenue1.49%1.67%1.46%1.89%

Balance Sheet

Currency: EUR2022-12-312023-12-312024-12-312025-12-31
Total Assets115.71M138.05M172.16M289.41M
Total Liabilities81.41M92.39M121.77M182.59M
Total Equity34.08M44.67M47.14M98.20M
Cash19.28M22.55M13.00M55.14M
Net Debt947.39K7.89M24.06M13.77M

Cash Flow

Currency: EUR2022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow22.35M22.60M11.61M16.74M
Capital Expenditure12.60M17.38M13.36M18.53M
Free Cash Flow9.75M5.22M-1.75M-1.79M
Dividends Paid8.30M8.50M-4.00M
FCF to OCF43.62%23.08%-15.03%-10.72%
Dividend Paid to FCF85.14%162.94%--222.84%

Key Statistics & Ratios

Market Cap419.48M
Enterprise Value482.46M
Trailing P/E74.88
Forward P/E0.00
Price / Sales1.84
Price / Book4.72
EPS0.08
Book Value1.28
Revenue (TTM)228.17M
Gross Profit (TTM)100.70M
EBITDA32.09M
Profit Margin2.21%
Operating Margin3.99%
Return on Equity14.60%
Return on Assets7.06%
Shares Outstanding70.03M
Shares Float21.30M
Dividend Yield0.75%
Dividend Rate0.05
Payout Ratio0.00%

Dividends

20261×
0.04Aug 24, 2026