"Our full-year performance underscores the strength of our diversified business model. Notably, our e-money services segment demonstrated exceptional growth momentum, significantly outpacing our peer-to-peer lending division. With e-money services generating EUR 3.079 million and P2P lending contributing EUR 4.264 million in annual revenues, we have successfully validated the strategic importance of our digital payments and financial services ecosystem. This complementary revenue mix, combined with our EUR 4.492 million gross profit, demonstrates the resilience and profitability of our platform across all business segments.
The 221% year-on-year improvement in profit before tax, coupled with EBITDA growth to EUR 2.179 million, showcases our ability to scale while maintaining disciplined cost management. On a consolidated basis, the Group's net profit reached €1.3 mln, while NEO Finance AB recorded net profit of €1.532 mln, reflecting strong operational performance across all business segments. The remarkable expansion of our e-money services particularly validates our investment in this high-growth segment and positions us well for continued momentum in the coming year
The financial improvement recorded in 2025 reflects progress, yet the operating landscape is becoming more demanding. Competition across Paskolų klubas, Neopay, and FinoMark remains strong. Expansion outside the Baltics will require capital, patience, and disciplined execution. Regulatory complexity is unlikely to decrease, and cost pressures - particularly in technology and talent - will continue to require careful management."
- Juozas Kaminskas, Head of Administration, NEO Finance
This table presents the 2025 operational data of NEO Finance, AB - sales results, and unaudited financial indicators. Key results include:
| 2025 | 2024 |
2025 / 2024 Δ, % | 2023 |
2025 / 2023 Δ, % | |
| Revenue, EUR | 7 997 171 | 6 071 742 | 32% | 4 696 825 | 70% |
| Income from P2P lending, EUR | 4 264 078 | 3 685 365 | 16% | 3 034 889 | 41% |
| Income from e-money issuance and management, EUR | 3 078 985 | 1 802 641 | 71% | 1 349 404 | 128% |
| Income from investment activity, EUR | 654 108 | 583 735 | 12% | 312 532 | 109% |
|
Cost of sales, EUR | ( 3 505 103) | (3 055 225) | 15% | (2 339 654) | 50% |
|
Gross profit, EUR | 4 492 068 | 3 016 517 | 49% | 2 357 171 | 91% |
| General and administrative, other operating and interest expenses (depreciation excluded), EUR | (2 847 719) | (2 503 737) | 14% | (1 986 371) | 43% |
|
EBITDA, EUR | 2 179 307 | 1 024 757 | 113% | 784 957 | 178% |
| EBITDA margin, % | 27% | 17% | - | 17% | - |
| Profit/loss before tax, EUR | 1 644 349 | 512 780 | 221% | 370 800 | 343% |
| Net Profit (loss), EUR | 1 532 716 | 485 711 | 216% | 260 858 | 488% |
Detailed financial information is provided in the appendix.
Additional information:
Head of Finance
Tomas Savickas
E-mail: tomas.savickas@neofinance.com
The full interim report of NEO Finance AB (legal entity code: 303225546; registered address: Ukmergės g. 126, Vilnius, Lithuania) for the Q4 of 2025, with confirmation by the responsible persons, are available for review in the attached document.