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Delfin Group — Investor Relations & Filings

Ticker · DGR1R ISIN · LV0000101806 LEI · 2138002PKHUJIMVMYB13 Nasdaq Baltic Financial and insurance activities
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Filings indexed 1,666 across all filing types
Latest filing 2020-04-27 Audit Report / Informat…
Country LV Latvia
Listing Nasdaq Baltic DGR1R

About Delfin Group

https://www.delfingroup.lv/

DelfinGroup is a financial technology company that provides consumer-focused financial and circular retail services. The company's core offerings include consumer loans, pawn loans, and "buy now, pay later" (BNPL) financing. A key part of its business model is the sale of pre-owned goods, promoting a circular economy. DelfinGroup also provides specialized loan products, such as those tailored for senior citizens. Services are delivered through an integrated omnichannel model, combining a network of physical branches with online platforms under its primary brands, Banknote and Vizia.

Recent filings

Filing Released Lang Actions
DelfinGroup_financial_statements_audited_2019_ENG.pdf
Audit Report / Information Classification · 98% confidence The document explicitly states it contains the 'Annual accounts for the year ended 31 December 2019 and Consolidated Annual accounts FOR THE YEAR ENDED 31 DECEMBER 2019'. It includes a full Table of Contents listing the 'Profit or loss account', 'Balance sheet', 'Cash flow statement', and 'Independent Auditors' report'. Furthermore, it contains a 'Management report' and statements of management responsibility for the full fiscal year. This structure is characteristic of a comprehensive annual financial filing, which corresponds to the Annual Report (10-K) definition, even though it is not explicitly labeled as a US SEC Form 10-K, it serves the same function as a full annual financial statement package. FY 2019
2020-04-27 English
DelfinGroup publishes financial results for the year 2019 audited by BDO Assurance
Earnings Release Classification · 99% confidence The document explicitly states that 'DelfinGroup publishes financial results for the year 2019 audited by BDO Assurance' and presents key financial highlights (turnover, loan portfolio, net profit) for the year 2019. It also mentions submitting 'investor presentation (in English) on the audited results of 2019' and 'Corporate Governance report for the year 2019'. However, the core content is a summary of the annual financial performance and key business updates for the full year 2019, which strongly suggests an Annual Report context, even if it's presented as a press release summarizing the audited results. Since the document contains detailed financial tables and discusses the full year's performance, it is most closely aligned with the content of a 10-K (Annual Report). The mention of an accompanying investor presentation (IP) and Corporate Governance report (CGR) suggests this text is the primary announcement or summary of the annual results, making 10-K the most appropriate classification for the underlying comprehensive report being summarized, or ER if it were purely highlights. Given the depth (audited results, detailed financial table for the year), 10-K is better than ER. However, the document also explicitly states it 'submits investor presentation' and 'submits Corporate Governance report'. If this text is the announcement *of* these filings, RPA or ER might apply. Since it contains the audited annual results summary, it functions as the primary Annual Report disclosure summary. I will classify it as 10-K as it covers the full year's audited performance, which is the essence of a 10-K. FY 2019
2020-04-27 English
DelfinGroup decreases bond nominal value by EUR 437 500
Capital/Financing Update Classification · 98% confidence The document explicitly announces a decrease in the nominal value of a bond issue (ISIN LV0000801322), detailing the change in value per security and the total reduction. This action directly relates to the company's capital structure and financing instruments. Based on the provided definitions, this fits best under 'Capital/Financing Update' (CAP), as it concerns a change in the terms of outstanding debt/capital instruments.
2020-03-23 English
DelfinGroup par EUR 437 500 veiks parāda vērtspapīru pamatsummas dzēšanu
Capital/Financing Update Classification · 99% confidence The document text explicitly discusses the scheduled redemption (dzēšana) of the principal amount (pamatsumma) of outstanding debt securities (parāda vērtspapīru) issued under a prospectus, detailing the amount being redeemed (EUR 437,500) and the resulting change in the nominal value per bond. This action directly relates to changes in the company's capital structure or financing instruments, specifically debt repayment/restructuring. This aligns best with the 'Capital/Financing Update' category (CAP), which covers fundraising, financing activities, or capital structure changes. It is not an earnings release, an annual report, or a general regulatory filing (RNS), as it concerns a specific financing event.
2020-03-23 Latvian
Information for DelfinGroup investors in response to the situation in the country
Regulatory Filings Classification · 95% confidence The document provides an update to investors regarding the company's operational status and financial resilience in response to the COVID-19 situation. It includes qualitative commentary on expected impacts, customer base details, financing structure, and a table summarizing key consolidated financial data as of 31.12.2019 (Net loan portfolio, Equity, EBITDA, etc.). This content structure—a management commentary on performance and outlook, often released outside of standard quarterly/annual filings—is characteristic of an Investor Presentation (IP) or a Management Discussion and Analysis (MDA). Since it focuses heavily on management's perspective, strategy, and financial health outlook rather than just releasing headline figures (ER) or being a full, audited report (10-K/IR), 'Investor Presentation' (IP) is the most fitting category, although it lacks typical slide formatting. Given the context of providing insights and strong balance sheet emphasis, IP is preferred over MDA, which usually accompanies a formal financial report. It is not a short announcement of a report (RPA/RNS).
2020-03-19 English
Informācija DelfinGroup investoriem saistībā ar situāciju valstī
Regulatory Filings Classification · 95% confidence The document is a communication from DelfinGroup to its investors regarding the impact of the COVID-19 situation on its business, financial stability, and operational outlook. It discusses expected demand changes, liquidity risk, financing structure (including recent bond issuance), and provides key consolidated financial data as of 31.12.2019 (Net Loan Portfolio, Equity, EBITDA, leverage ratios). This content is characteristic of an update provided to investors during an uncertain period, often accompanying or preceding a formal financial report, but it is not a full Annual Report (10-K) or a standard Interim Report (IR). It functions as a management commentary or an investor relations update detailing the company's position and strategy in response to external events. Given the options, it most closely resembles an Investor Presentation (IP) in its function of conveying strategic and financial positioning, or potentially a general Investor Relations document. Since it is a direct communication detailing financial health and strategy in response to a crisis, 'Investor Presentation' (IP) is the most fitting category, as it provides detailed context beyond a simple press release (ER) or a formal regulatory filing (RNS). It is not a Call Transcript (CT), Earnings Release (ER), or a formal statutory report (10-K, IR).
2020-03-19 Latvian

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