ESTO Group | Competitive Intelligence Profile
ESTO Group is a financial services company based in Harjumaa, with a strong presence in the Baltic region. They offer innovative...

ESTO Group is a financial services company based in Harjumaa, with a strong presence in the Baltic region. They offer innovative payment solutions for both businesses (B2B) and consumers (B2C), including hire-purchase, buy now pay later options, small loans, and checkout services.
🛍️ ESTO Group Product and Pricing Intelligence →
📅 ESTO Group Event Participations →
⚖️ ESTO Group Regulatory Intelligence →
👔 ESTO Group Management and Leadership Team →
⚔️ ESTO Group Alternatives and Competitors →
💼 ESTO Group Hiring and Layoffs →
🤝 ESTO Group Partnerships, Clients and Vendors →
📈 ESTO Group Financial Performance, Fundraising, M&A →

🛍️ ESTO Group Product and Pricing Intelligence
Leverage product insights to define key product development milestones, guide go-to-market planning, build a robust product-market fit matrix, and perform in-depth SWOT analyses.
Harness pricing intelligence to support strategic pricing decisions, conduct competitive pricing analysis, and craft effective differential pricing strategies.
- ESTO Group launched a new Income Insurance product in their Personal vertical.
- ESTO Group launched a new Global Homepage featuring AI-generated models, with significant contributions from Head of Design Juska Matintalo.
- ESTO Group is offering interest-free loans for all products on kitchen.eu until the end of next week.
📅 ESTO Group Event Participations
Stay updated on where your competitors are showing up—industry conferences, webinars, podcasts, and speaking engagements—to gauge their messaging, target audiences, and strategic focus. Discover how they’re positioning themselves in the market, what narratives they’re pushing, and which partnerships they’re cultivating. Use this intelligence to refine your own positioning, identify missed opportunities, and stay top-of-mind in your industry.
- ESTO Group is hosting a webinar titled 'Beyond One Item: The Art of Upselling with ESTO' on June 3-5 with partners including Eero Palm, CEO of Trendline Analytics, and Edgars Untāls, Sales Coach at NLP Life.
⚖️ ESTO Group Regulatory Intelligence
Monitor critical regulatory events—such as issued or revoked licenses, lawsuits, investigations, and court rulings—to understand the compliance posture and legal exposure of your rivals. Spot early warning signs of operational risk, delays, or reputational damage, and use these insights to fine-tune your market strategy, mitigate your own risk, or capitalize on competitor setbacks.
👔 ESTO Group Management and Leadership Team
Understand who’s steering your competitors by tracking changes in their management and leadership teams. Gain insights into strategic direction, leadership style, and organizational priorities based on executive backgrounds and hiring trends. Use this knowledge to anticipate competitive moves, tailor your sales or partnership approach, and benchmark against industry leaders.
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Chief Technology Officer
[email protected]
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Chief Marketing Officer
[email protected]
⚔️ ESTO Group Alternatives and Competitors
Identify the competitors of your competitors to uncover indirect threats, emerging disruptors, and untapped opportunities. Understand the broader competitive ecosystem, spot white space in the market, and gain strategic context that helps you position more effectively. These insights sharpen your market intelligence and reveal angles others often overlook.
- Affirm |
- Klarna |
- Revolut |
- Scalapay |
- auto24.ee |
- inbank.ee |
- fintechlatvia.eu |
- fixura.com |
- PayTabs |
- TEMPOE |
- Pomelo |
- Rapyd |
- TerraPay |
- Kadmos

💼 ESTO Group Hiring and Layoffs
Track key workforce changes—new hires, leadership shifts, and layoffs—to spot strategic organizational moves. Identify rising competitors, uncover shifts in company direction, and seize opportunities to attract top talent or engage new decision-makers. Use these insights to refine your recruitment strategy and build stronger business relationships.
- Gustav Juurikas, CFO of ESTO Group, has transformed the company's financial processes to rely heavily on AI agents for decision-making within less than a year.
- Nadia Muttonen has been appointed as Chief People Officer at ESTO Group.
- ESTO Group restructured its HR department, appointing Nadia Muttonen as Chief People Officer and Regita Kumel as Talent & Employer Branding Manager.
🤝 ESTO Group Partnerships, Clients and Vendors
Monitor new partnerships, client wins, and vendor relationships to understand where your competitors are gaining traction. Spot emerging alliances, evaluate ecosystem shifts, and identify potential partners or prospects early. These insights help you refine your sales strategy, anticipate market movements, and stay one step ahead in a dynamic competitive landscape.
- ESTO Group has partnered with Upgreat to offer refurbished Apple devices and is providing a 10% discount on full-priced purchases with the code DEALS10.
- ESTO Group has partnered with Velomarket Ltd to provide payment solutions for e-bike and bicycle sales in the Baltics.
- ESTO Group has partnered with ALPAKA to offer flexible payment options for ALPAKA's premium wool products, enhancing customer accessibility and experience.
📈 ESTO Group Financial Performance, Fundraising, M&A
Track competitors’ financial performance, fundraising rounds, and M&A activity to assess their growth trajectory and strategic focus. Uncover signals of expansion, market entry, or consolidation, and benchmark your position accordingly. Use these insights to inform investor conversations, identify acquisition opportunities, and fine-tune your competitive strategy.
- ESTO Group's gross loan portfolio exceeded €75 million in Q1 2025, with revenue up 16% year-over-year and net profit doubling to €2.3 million.
- ESTO Group, led by CFO Gustav Juurikas, maintained its position as Estonia's top non-bank lender in 2024, with 1 in 8 consumer-finance contracts in the country issued through them.
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