ESTO Group · Investor relations

Invested in the long run.

ESTO is backed by a close-knit group of international investors who share our mission to make shopping fast and flexible. We’ve raised over 300 M€ to date.

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ESTO Group in numbers

830 000 +

Customers served

€900M +

GMV

11 000 +

Partner shops

100 +

Employees

5 offices

Across 4 countries

Insights

Quarterly results are unaudited

ESTO Group 2026 / 3M View ESTO Group 2025 / 12M View ESTO Group 2025 / 9M View ESTO Group 2025 / 6M View ESTO Group 2025 / 3M View ESTO Group 2024 / 12M View ESTO Group 2024 / 9M View ESTO Group 2024 / 6M View ESTO Group 2024 / 3M View ESTO Group 2023 / 12M View ESTO Group 2023 / 9M View ESTO Group 2023 / 6M View ESTO Group 2023 / 3M View ESTO Group 2022 / 12M View ESTO Group 2022 / 9M View ESTO Group 2022 / 6M View ESTO Group 2022 / 3M View ESTO Group 2021 / 12M View

Invest in ESTO bonds

Private placement bond offering

ESTO Holdings bond

Active bond

12% per annum, paid quarterly

Issue size 15 000 000 €

ISIN code EE3300005065

Maturity November 2026

Documents — Bond offering (PDF)

Join over 175 thousand investors

100+ million euros in investor payouts since 2019.

Invest in ESTO Group

News & media

June 18, 2026 ESTO Group Issues €20 Million 9.50% Senior Unsecured Bond and Redeems 2026 Bond in Full May 29, 2026 ESTO Group Reports 21.7% Net Profit Growth in Q1 2026 With Record Monthly Credit Issuance to Date May 19, 2026 ESTO Identified as Largest Non-Bank Credit Provider in Estonia in the FSA’s 2025 Market Review May 18, 2026 Conditional Call Option Notice April 2, 2026 ESTO Holdings OÜ Establishes €20 Million Subordinated Notes Program November 12, 2025 ESTO Reports Strong Q3 2025 Results, Loan Portfolio Surges 28% Year-on-Year as ESTO Expands Market Leadership August 25, 2025 ESTO Group Posts Record 1H’25 Results With 72% Net Profit Growth, Accelerating Toward 100M EUR Year-End Portfolio Target May 26, 2025 ESTO Group Surpasses EUR 75 Million in Loan Portfolio, Reports Record Q1 2025 Financial Results February 13, 2025 ESTO Holdings OÜ and Citadele banka Forge Strategic Partnership with Initial €4.9 Million Facility November 21, 2024 [FinanzNachrichten] ESTO Holdings OU Announces Closing of €15 Million Senior Secured Notes Due 2026 Marked By 1.9x Oversubscription November 21, 2024 ESTO Holdings OU Announces Closing of €15 Million Senior Secured Notes Due 2026 Marked By 1.9x Oversubscription October 7, 2024 ESTO enhances its Checkout product with debit payment solutions provided by Klix by Citadele September 16, 2024 Early Redemption Notification September 16, 2024 Record of Voting August 30, 2024 Investors' Resolution Application August 30, 2024 Invitation to Vote August 15, 2024 ESTO Group July 2024 Record financial results July 25, 2024 ESTO Holdings Reaches Full-Year 2023 Profit Level in First Half of 2024, Marking a Record-Breaking Performance May 30, 2024 ESTO Holdings Announces the Highest Ever Quarterly Profit Amidst Pan-Baltic Expansion May 28, 2024 ESTO Holdings Secures Total €20 Million Funding from Multitude Bank for European Expansion November 28, 2023 ESTO announces crowdfunding campaign: an opportunity to join a financial success story November 18, 2023 Facing Klarna: How ESTO's Innovative Approach is Redefining the Baltic BNPL Market November 9, 2023 ESTO and Decathlon Forge Pan-Baltic Collaboration for Seamless Sports Shopping Experience November 7, 2023 ESTO Group Emerges as the Largest Non-Bank Credit Provider in Estonia November 1, 2023 ESTO Holdings OU reports record-breaking third quarter 2023 results underlining market leader positioning in the Baltics and announces upcoming equity raise October 25, 2023 ESTO is now in TOP 3 lending companies on Mintos platform globally September 22, 2023 ESTO and Perfi Collaborate to Provide Flexible Payment Solutions August 6, 2023 ESTO increased interest rates to an enticing 10% on Mintos July 24, 2023 ESTO and Mobipunkt Unleash Collaborative Power for Remarkable Results July 3, 2023 ESTO Group and Novaturas Group Join Forces to Revolutionize Travel Payments June 28, 2023 ESTO and Stokker Forge Pan-Baltic Partnership to Revolutionize the Industry January 27, 2023 ESTO starts a collaboration with ON24 Sisustuskaubamaja that will Redefine Furniture Shopping Experience November 9, 2022 ESTO Holdings OÜ announces strategic partnership with Multitude Bank p.l.c to fuel growth for retailers in Europe September 9, 2022 Bolt and ESTO launch Bolt Pay Later consumer credit service May 31, 2022 ESTO reports first quarter 2022 results November 22, 2021 ESTO Holdings OÜ announces issuance and settlement of EUR 16 million first-time corporate bond

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