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.
ESTO Group in numbers
865 000+
Customers served
€1B+
GMV
11 000+
Partner shops
100+
Employees
5offices
Across 4 countries
Insights
Quarterly results are unaudited
ESTO Group 2026 / 6MView ESTO Group 2026 / 3MView ESTO Group 2025 / 12MView ESTO Group 2025 / 9MView ESTO Group 2025 / 6MView ESTO Group 2025 / 3MView ESTO Group 2024 / 12MView ESTO Group 2024 / 9MView ESTO Group 2024 / 6MView ESTO Group 2024 / 3MView ESTO Group 2023 / 12MView ESTO Group 2023 / 9MView ESTO Group 2023 / 6MView ESTO Group 2023 / 3MView ESTO Group 2022 / 12MView ESTO Group 2022 / 9MView ESTO Group 2022 / 6MView ESTO Group 2022 / 3MView ESTO Group 2021 / 12MView
Annual results are audited
Company and bond-offering presentations
Invest in ESTO bonds
Private placement bond offering
ESTO Holdings bond9.5%per annum, paid quarterly
Issue size20 000 000 €
ISIN codeEE3300005065
MaturityNovember 2026
Join over 175 thousand investors
100+ million euros in investor payouts since 2019.
News & media
August 25, 2026ESTO Group Delivers Record 1H'26 Credit Issuance as Loan Portfolio Passes EUR 100 MillionJuly 22, 2026ESTO Secures Committed Revolving Overdraft Facility with Magnetiq Bank to Deepen Short-Term LiquidityJune 18, 2026ESTO Group Issues €20 Million 9.50% Senior Unsecured Bond and Redeems 2026 Bond in FullMay 29, 2026ESTO Group Reports 21.7% Net Profit Growth in Q1 2026 With Record Monthly Credit Issuance to DateMay 19, 2026ESTO Identified as Largest Non-Bank Credit Provider in Estonia in the FSA’s 2025 Market ReviewMay 18, 2026Conditional Call Option NoticeApril 2, 2026ESTO Holdings OÜ Establishes €20 Million Subordinated Notes ProgramNovember 12, 2025ESTO Reports Strong Q3 2025 Results, Loan Portfolio Surges 28% Year-on-Year as ESTO Expands Market LeadershipAugust 25, 2025ESTO Group Posts Record 1H’25 Results With 72% Net Profit Growth, Accelerating Toward 100M EUR Year-End Portfolio TargetMay 26, 2025ESTO Group Surpasses EUR 75 Million in Loan Portfolio, Reports Record Q1 2025 Financial ResultsFebruary 13, 2025ESTO Holdings OÜ and Citadele banka Forge Strategic Partnership with Initial €4.9 Million FacilityNovember 21, 2024[FinanzNachrichten] ESTO Holdings OU Announces Closing of €15 Million Senior Secured Notes Due 2026 Marked By 1.9x OversubscriptionNovember 21, 2024ESTO Holdings OU Announces Closing of €15 Million Senior Secured Notes Due 2026 Marked By 1.9x OversubscriptionOctober 7, 2024ESTO enhances its Checkout product with debit payment solutions provided by Klix by CitadeleSeptember 16, 2024Early Redemption NotificationSeptember 16, 2024Record of VotingAugust 30, 2024Investors' Resolution ApplicationAugust 30, 2024Invitation to VoteAugust 15, 2024ESTO Group July 2024 Record financial resultsJuly 25, 2024ESTO Holdings Reaches Full-Year 2023 Profit Level in First Half of 2024, Marking a Record-Breaking PerformanceMay 30, 2024ESTO Holdings Announces the Highest Ever Quarterly Profit Amidst Pan-Baltic ExpansionMay 28, 2024ESTO Holdings Secures Total €20 Million Funding from Multitude Bank for European ExpansionNovember 28, 2023ESTO announces crowdfunding campaign: an opportunity to join a financial success storyNovember 18, 2023Facing Klarna: How ESTO's Innovative Approach is Redefining the Baltic BNPL MarketNovember 9, 2023ESTO and Decathlon Forge Pan-Baltic Collaboration for Seamless Sports Shopping ExperienceNovember 7, 2023ESTO Group Emerges as the Largest Non-Bank Credit Provider in EstoniaNovember 1, 2023ESTO Holdings OU reports record-breaking third quarter 2023 results underlining market leader positioning in the Baltics and announces upcoming equity raiseOctober 25, 2023ESTO is now in TOP 3 lending companies on Mintos platform globallySeptember 22, 2023ESTO and Perfi Collaborate to Provide Flexible Payment SolutionsAugust 6, 2023ESTO increased interest rates to an enticing 10% on MintosJuly 24, 2023ESTO and Mobipunkt Unleash Collaborative Power for Remarkable ResultsJuly 3, 2023ESTO Group and Novaturas Group Join Forces to Revolutionize Travel PaymentsJune 28, 2023ESTO and Stokker Forge Pan-Baltic Partnership to Revolutionize the IndustryJanuary 27, 2023ESTO starts a collaboration with ON24 Sisustuskaubamaja that will Redefine Furniture Shopping ExperienceNovember 9, 2022ESTO Holdings OÜ announces strategic partnership with Multitude Bank p.l.c to fuel growth for retailers in EuropeSeptember 9, 2022Bolt and ESTO launch Bolt Pay Later consumer credit serviceMay 31, 2022ESTO reports first quarter 2022 resultsNovember 22, 2021ESTO Holdings OÜ announces issuance and settlement of EUR 16 million first-time corporate bond
August 25, 2026ESTO Group Delivers Record 1H'26 Credit Issuance as Loan Portfolio Passes EUR 100 Millionfinanznachrichten.deAugust 25, 2026ESTO Group Delivers Record 1H'26 Credit Issuance as Loan Portfolio Passes EUR 100 Millionfintechmagazine.comAugust 25, 2026ESTO Group Delivers Record 1H'26 Credit Issuance as Loan Portfolio Passes EUR 100 Millionfinance.yahoo.comJune 18, 2026ESTO Group Issues €20 Million 9.50% Senior Unsecured Bond and Redeems 2026 Bond in Fullfinance.yahoo.comJune 18, 2026ESTO Holdings OÜ: ESTO Group Issues €20 Million 9.50% Senior Unsecured Bond and Redeems 2026 Bond in Fullfinanznachrichten.deJune 18, 2026ESTO Group Issues €20 Million 9.50% Senior Unsecured Bond and Redeems 2026 Bond in Fullcentralcharts.comJune 1, 2026ESTO Group Reports 21.7% Net Profit Growth in Q1 2026 With Record Monthly Credit Issuance to Datefintechmagazine.comJune 1, 2026ESTO Group Reports 21.7% Net Profit Growth in Q1 2026 With Record Monthly Credit Issuance to Datecentralcharts.comJune 1, 2026ESTO Holdings OÜ: ESTO Group Reports 21.7% Net Profit Growth in Q1 2026 With Record Monthly Credit Issuance to Datefinanznachrichten.deJune 1, 2026ESTO Group Reports 21.7% Net Profit Growth in Q1 2026 With Record Monthly Credit Issuance to Datefinance.yahoo.comMay 19, 2026ESTO Identified as Largest Non-Bank Credit Provider in Estonia in the FSA's 2025 Market Reviewwallstreet-online.deMay 19, 2026ESTO Identified as Largest Non-Bank Credit Provider in Estonia in the FSA's 2025 Market Reviewfinanznachrichten.deMay 19, 2026ESTO Identified as Largest Non-Bank Credit Provider in Estonia in the FSA's 2025 Market Reviewfinance.yahoo.comNovember 12, 2025ESTO Reports Strong Q3 2025 Results, Loan Portfolio Surges 28% Year-on-Year as ESTO Expands Market Leadershipfintechmagazine.comNovember 12, 2025ESTO Holdings OÜ: ESTO Reports Strong Q3 2025 Results, Loan Portfolio Surges 28% Year-on-Year as ESTO Expands Market Leadershipfinanznachrichten.deNovember 12, 2025ESTO Reports Strong Q3 2025 Results, Loan Portfolio Surges 28% Year-on-Year as ESTO Expands Market Leadershipfinance.yahoo.comAugust 25, 2025[ADVFN] ESTO Group Posts Record 1H'25 Results With 72% Net Profit Growth, Accelerating Toward 100M EUR Year-End Portfolio Targetadvfn.comAugust 25, 2025[Wallstreet Online] ESTO Group Posts Record 1H'25 Results With 72% Net Profit Growth, Accelerating Toward 100M EUR Year-End Portfolio Targetwallstreet-online.deAugust 25, 2025[Yahoo Finance] ESTO Group Posts Record 1H'25 Results With 72% Net Profit Growth, Accelerating Toward 100M EUR Year-End Portfolio Targetfinance.yahoo.comMay 20, 2025[IANS] ESTO Group Surpasses EUR 75 Million in Loan Portfolio, Reports Record Q1 2025 Financial Resultsians.inMay 20, 2025[FinanzNachrichten.de] ESTO Holdings OÜ: ESTO Group Surpasses EUR 75 Million in Loan Portfolio, Reports Record Q1 2025 Financial Resultsfinanznachrichten.deMay 20, 2025[Yahoo! Finance] ESTO Group Surpasses EUR 75 Million in Loan Portfolio, Reports Record Q1 2025 Financial Resultsfinance.yahoo.comNovember 21, 2024[ADVFN] ESTO Holdings OU Announces Closing of €15 Million Senior Secured Notes Due 2026 Marked By 1.9x Oversubscriptionadvfn.comNovember 21, 2024[Yahoo Finance] ESTO Holdings OU Announces Closing of €15 Million Senior Secured Notes Due 2026 Marked By 1.9x Oversubscriptionfinance.yahoo.comJuly 30, 2024[Finanzen.net] ESTO Holdings Reaches Full-Year 2023 Profit Level in First Half of 2024, Marking a Record-Breaking Performancefinanzen.netJuly 30, 2024[advfn.com] ESTO Holdings Reaches Full-Year 2023 Profit Level in First Half of 2024, Marking a Record-Breaking Performanceadvfn.comJuly 30, 2024[Yahoo Finance] ESTO Holdings Reaches Full-Year 2023 Profit Level in First Half of 2024, Marking a Record-Breaking Performancefinance.yahoo.comJune 24, 2024[in English] Yahoo Finance: ESTO Holdings Announces the Highest Ever Quarterly Profit Amidst Pan-Baltic Expansionfinance.yahoo.comJune 4, 2024[in English] Finanz Nachrichten: ESTO Holdings OÜ: ESTO Holdings Announces the Highest Ever Quarterly Profit Amidst Pan-Baltic Expansionfinanznachrichten.deDecember 15, 2023[in German] ESTO startet Crowdfunding-Kampagne: eine Chance, Teil einer finanziellen Erfolgsgeschichte zu werdenfinanznachrichten.deDecember 15, 2023[in French] ESTO lance une campagne de financement participatif, offrant l'opportunité de rejoindre une success-story financièrecentralcharts.comDecember 15, 2023[in French] ESTO lance une campagne de financement participatif, offrant l'opportunité de rejoindre une success-story financièrefr.finance.yahoo.comDecember 15, 2023[in German] ESTO startet Crowdfunding-Kampagne: eine Chance, Teil einer finanziellen Erfolgsgeschichte zu werdenboersen.manager-magazin.deDecember 14, 2023[in English] ESTO launches crowdfunding campaign: an opportunity to join a financial success storyfinanzen.netDecember 14, 2023[in English] ESTO launches crowdfunding campaign: an opportunity to join a financial success storybenzinga.comDecember 14, 2023[in English] ESTO launches crowdfunding campaign: an opportunity to join a financial success storyseekingalpha.comDecember 14, 2023[in English] ESTO launches crowdfunding campaign: an opportunity to join a financial success storyfintechmagazine.comDecember 14, 2023[in English] ESTO launches crowdfunding campaign: an opportunity to join a financial success storyfinance.yahoo.comNovember 18, 2023[in English] ESTO's Innovative Approach is Redefining the Baltic BNPL Market - The Globe And Mailtheglobeandmail.comNovember 18, 2023[in English] ESTO's Innovative Approach is Redefining the Baltic BNPL Market - Asia Oneasiaone.comNovember 2, 2023[in English] ESTO Holdings OU reports record-breaking third quarter 2023 results - nbc 12nbc12.comNovember 2, 2023[in English] ESTO Holdings OU reports record-breaking third quarter 2023 results - Morning Starmorningstar.comNovember 2, 2023[in English] ESTO Holdings OU reports record-breaking third quarter 2023 results - Finanzen.netfinanzen.netNovember 2, 2023[in English] ESTO Holdings OU reports record-breaking third quarter 2023 results - Yahoo Financefinance.yahoo.comSeptember 9, 2022[in Estonian] Bolt and ESTO launch the instalment payment service Bolt Pay Laterarileht.delfi.eeJune 8, 2022[in Lithuanian] Retail trade leaders in the Baltic countries trust ESTO's payment solutionsdelfi.ltMay 2, 2022[in English] ESTO Group reports record net profit and revenue in 2021mintos.comJanuary 26, 2022[in Latvian] The success story of the Estonian financial sector is also coming to Latviadelfi.lvNovember 4, 2021[in Latvian] Buy now, pay later' service is planned to be offered in all Baltic countriesdelfi.lvOctober 28, 2021[in Estonian] 1,200 shops and stores in 4 years - how did one of Estonia's largest providers of payment solutions, ESTO, win the trust of its partners?arileht.delfi.eeSeptember 19, 2020[in English] Investment opportunities from Estonia grow, as ESTO launches on Mintos!mintos.com
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