Delfingup & Indexo Group: Strategic Partnership Benefits
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Indexo and Delfingroup Merger to Create Latvian Financial Sector force
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The merger of Indexo Financial Services and Delfingroup is poised to reshape the Latvian financial landscape, creating a meaningful player with a considerable customer base and loan portfolio. The deal aims to reduce funding costs and leverage cross-selling opportunities within the combined group.
Merger Details and Strategic Rationale
Indexo Financial Services, encompassing IPAS Indexo (Pension administration) and AS Indexo Open Pension, is combining with Delfingroup. According to Henrik Karmo, Chairman of the Board of IPAS Indexo and one of Indexo’s founders, the merger will yield benefits through reduced external funding costs and increased revenue from cross-selling services between the companies (DB.lv, September 5, 2025).
The newly formed group will command a significant market share in Latvia, boasting hundreds of thousands of customers, a loan portfolio exceeding €700 million, and total assets exceeding €2 billion. This scale is expected to enhance the group’s competitive position and ability to innovate.
Financial Forecast and Projections
Indexo group has released a financial forecast for the coming years, outlining anticipated growth and performance.
It is crucial to note that this forecast is based on current assumptions and is subject to change. Market conditions and strategic shifts within the company may necessitate revisions to the projections. Investors should carefully consider these factors when evaluating the potential of the merged entity.
| Metric | 2024 (Estimate) | 2025 (Projected) | 2026 (Projected) | 2027 (Projected) | 2028 (Projected) |
|---|---|---|---|---|---|
| Total Assets | €1.8 Billion | €2.1 Billion | €2.5 Billion | €2.9 Billion | €3.3 Billion |