Hamburg, July 22, 2026

• EOS Consolidated increases earnings to EUR 464.0 million (EBITDA).
• Substantial investments of EUR 1 billion in receivables portfolios drive growth.
• Outstanding ESG rating with EcoVadis Gold Medal confirms successful sustainability strategy.

The EOS Group has confirmed its strong position in the European market and concluded fiscal year 2025/26 with renewed growth. Earnings before interest, taxes, and depreciation (EBITDA) of EOS Consolidated rose to EUR 464.0 million (prior year: EUR 460.8 million). Revenue increased by 1.4 percent to EUR 1.1 billion.

Substantial investments in receivables portfolios were the primary driver of the successful fiscal year. In total, EOS Consolidated invested EUR 1 billion in unsecured and secured receivables, as well as REO* portfolios (prior year: EUR 826.6 million). This represents an increase of more than 20 percent compared to 2024/25. Significant investments were made in France, Germany, Portugal, Poland, and Romania. EOS also acquired decisive portfolios in smaller markets such as North Macedonia, Slovakia, Bulgaria, and Belgium. "We have achieved the second-highest investment volume in EOS Group's history after the record year 2022/23. For European banks, EOS Group is a reliable partner for the sale of their non-performing loan (NPL) portfolios," says Marwin Ramcke, CEO of the EOS Group.

^{*REO stands for real-estate-owned}

EOS Group further strengthened its market position in Western Europe in fiscal year 2025/26 and increased revenue to EUR 318.9 million (+6.6 percent). Particularly high investments in unsecured receivables portfolios in France and Portugal drove this growth. In total, EOS Consolidated invested EUR 382.8 million in receivables portfolios in Western Europe. "We achieved consistently strong results in both smaller and larger Western European markets. This success was also driven by our focused progress in receivables management software, digital service portals, and process optimizations through AI," says Sebastian Pollmer, member of the EOS Group's Board of Directors, responsible for the Western European region.

In Eastern Europe, EOS Group generated revenue of EUR 372.8 million and invested EUR 361.6 million in receivables portfolios – a 16 percent increase in investments compared to the prior year. Significant NPL portfolio acquisitions in Poland, Romania, Bulgaria, and Greece characterized the fiscal year. "Our success in Eastern Europe is driven by strong operational performance and intensive cross-border collaboration among our employees," emphasizes Carsten Tidow, member of the EOS Group's Board of Directors and responsible for Eastern Europe. The region also benefited from the strategic use of technology, such as pilot projects with Agentic AI.

Central Europe is EOS Group's highest-revenue region with EUR 376.2 million in revenue. Investments in NPLs and real estate increased to EUR 256.3 million. Particularly noteworthy are large portfolio acquisitions in Germany. EOS also strengthened its competitive position in Slovakia and Slovenia through the acquisition of unsecured receivables portfolios and investments in bridge loans. "Given the mature and highly competitive markets in Central Europe, we are particularly pleased with the substantial investments in Germany, one of EOS Group's most important markets," explains Dr. Stephan Ohlmeyer, member of the EOS Group's Board of Directors, responsible for the Central European region.

The EOS Group is active in over 20 European markets and benefits from broad diversification. "Our focus on diverse markets makes our company more resilient and, in light of current geopolitical challenges, ensures broader risk distribution," says Dr. Eva Griewel, CFO of the EOS Group. "The exchange among our local experts enables us to develop innovative solutions across the Group."

This includes the strategic use of artificial intelligence and the automation of repetitive tasks. Also, the continuous advancement of the proprietary receivables management software Kollecto+ in now 13 countries delivers measurable results.

For EOS, the entire value chain – from the acquisition of non-performing receivables to debt relief of defaulting payers – is inseparably linked with responsible business practices. Following the Bronze Medal in the prior year, EOS Holding received the Gold Medal from EcoVadis in fiscal year 2025/26. EOS now ranks among the top five percent of the world’s most sustainable companies and the top three percent in its industry. "Sustainability is an integral part of our business model and a clear signal to our partners," emphasizes CEO Marwin Ramcke.

The EOS Group's Annual and Sustainability Report provides comprehensive insights into the company’s achievements in this area.

The EOS Group is a leading technology-driven investor in receivables portfolios and an expert in the processing of outstanding receivables. With over 50 years of experience and offices in more than 20 countries, EOS offers smart services for receivables management worldwide. Its key target sectors are banking, real estate, telecommunications, utilities, and e-commerce. EOS employs more than 6,000 people and is part of Otto Group.

For more information on EOS Group: eos-solutions.com