Younited Financial S.a. · EURONEXT:YOUNI
Younited Financial — H1 2025 Earnings Presentation
14 slides from Younited Financial's earnings presentation, Sep 18, 2025
Slide 1: Half-Year 2025 Results Investor Presentation
YOUNITED September 18*, 2025 Half-Year 2025 Results Investor Presentation
Slide 2: Disclaimer
Disclaimer: This Presentation (the "Presentation") includes this document, any oral presentation by Younited Financial (the "Company"), any Q&A session following such presentation, and any supplementary materials made available in connection therewith. This Presentation has been prepared by the Comp
Slide 3: Delivering our plan; H1-2025 results
1. 1 Delivering our plan 21. H1-2025 results 3
Slide 4: In H1 2025, we implemented our new strategy and laid the foundations for growth
In H1 2025, we implemented our new strategy and laid the foundations for sustainable, profitable growth ▪ Shift from an “originate to distribute” to a predominantly balance-sheet model 2026-2027: - Improved profitability through capturing of full credit margin Full services digital bank for consumer
Slide 5: Instant PSD2-led consumer loan platform evolving into a full digital bank
We started our journey back in 2012 and built a best-in-class instant PSD2- … and with the recently announced acquisition of eco-conscious Helios, led consumer loan platform… we will progressively transition towards a full digital bank model. A A unique credit value proposition… A A newly acquired b
Slide 6: H1-2025 results
11. Delivering our plan 2 1. H1-2025 results 6
Slide 7: Total loan origination, total revenue, gross profit and adjusted net loss
Total loan origination(1) (m€) Total revenue(2) (m€) +24% +48% H1 2025 vs. H2 2024 H1 2025 vs. H2 2024 629.3 85.1 506.8 57.4 H2 2024 H1 2025 H2 2024 H1 2025 Gross profit(3) (m€) Adjusted net loss(4) (m€) +286% +27.0m H1 2025 vs. H2 2024 H1 2025 vs. H2 2024 37.4 (10.0) 9.7 (37.0) H2 2024 H1 2025 H2 2
Slide 8: Loan origination and loans held on balance sheet
Total loan origination (m€) Loans and advances to customers held on balance-sheet (m€) ‘Originate-to-distribute’ model Balance sheet model 1,012 629 +38% +24% HoH HoH 546 817 (7)% (14)% HoH 508 507 HoH 733 (0)% +4% HoH 702 HoH H2 2023 H1 2024 H2 2024 H1 2025 31-déc.-23 30-juin-24 31-déc.-24 30-juin-
Slide 9: Group P&L
Group P&L(1) (€k) FY 2024 H2 2024 H1 2025 1 Total loan origination 1,014,964 506,804 629,269 1 +24% H1 2025 vs. H2 2024 Interest income 79,290 39,685 56,558 Insurance brokerage revenue 13,046 5,783 13,092 Transaction and servicing/license fees 13,311 4,054 6,724 Income from other activities 19,206 7
Slide 10: Compliance with regulatory requirements
Compliance with regulatory requirements(1) 20.7% (€m) June 2025 Capital ratios 640 bps buffer CET 1 Capital 227 20.7% above regulatory Own Funds 227 20.7% requirement 14.3% Risk-weighted assets (RWA) 921 Regulatory requirement incl. P2R(2) Own Funds Ratio (Jun-2025) Regulatory Requirement Note: (1)
Slide 11: NSFR and LCR liquidity ratios
Net stable funding ratio (NSFR) Liquidity coverage ratio (LCR) Minimum regulatory Younited 4,106% 162% 162% 166% 153% 144% 3,227% 110% 1,772% 100% 100% 100% 100% 635% 337% 100% 100% 100% 100% 100% 31-Dec-21 31-Dec-22 31-Dec-23 31-Dec-24 30-Jun-25 31-Dec-21 31-Dec-22 31-Dec-23 31-Dec-24 30-Jun-25 Not
Slide 12: Funding source mix and net book value of loans
Funding source mix (€m) Net book value of loans and SPV shares (€m) Fixed term deposits Bank facility 1,186 1,144 1,102 1,017 1,013 990 893 837 1,126 1,084 508 957 478 833 508 60 60 61 60 31-Dec-21 31-Dec-22 31-Dec-23 31-Dec-24 30-Jun-25 31-Dec-21 31-Dec-22 31-Dec-23 31-Dec-24 30-Jun-25 Note: Figure
Slide 13: Non-GAAP reconciliation
(€k) 2024 H2 2024 H1 2025 (€k) 2024 H2 2024 H1 2025 Interest income (IFRS) 73,812 35,785 46,436 Personnel expense (non-GAAP) (46,301) (22,943) (23,256) Share of personnel expense in Other operating Share of Interest income in Non-recurring items (256) (256) - 11,696 6,128 6,453 expense Gains and los
Slide 14: Investor relations contact
Investor relations contact: investorrelations@younited.com