The third quarter of this year concluded on a strong note, reflecting solid financial results and continued business momentum across all segments. NEO Finance maintained steady growth in loan issuance, payment volumes, and profitability, demonstrating the company's operational resilience and strategic discipline. Our focus on sustainable expansion, efficient execution, and product innovation continues to drive consistent performance and long-term value creation.
In Q3 2025, NEO Finance, AB delivered strong year-over-year performance across all business areas. The company's revenue reached EUR 2,112 thousand, representing a 42% increase compared to Q3 2024. EBITDA grew by 47% year-on year, reaching EUR 510 thousand compared to EUR 347 thousand last year. Profit before tax increased by 76% to EUR 374 thousand, reflecting improved operational efficiency and sustained business growth.
This report presents the Q3 2025 operational data of NEO Finance, AB - sales results, and unaudited financial indicators. Key results include:
| 2025 Q3 | 2024 Q3 |
2025 Q3 / 2024 Q3 Δ, % | 2023 Q3 |
2025 Q3 / 2023 Q3 Δ, % | |
| Revenue, EUR | 2 112 597 | 1 483 116 | 42% | 1 181 551 | 79% |
| Income from P2P lending, EUR | 975 186 | 880 640 | 11% | 751 592 | 30% |
| Income from e-money issuance and management, EUR | 795 364 | 447 377 | 78% | 344 292 | 131% |
| Income from investment activity, EUR | 342 047 | 155 101 | 121% | 85 667 | 299% |
|
Cost of sales, EUR | (975 574) | (664 652) | 47% | (552 881) | 76% |
|
Gross profit, EUR | 1 137 023 | 818 464 | 39% | 628 670 | 81% |
| General and administrative, other operating and interest expenses (depreciation excluded), EUR | (762 906) | (605 302) | 26% | (516 483) | 48% |
|
EBITDA, EUR | 509 753 | 347 310 | 47% | 219 031 | 133% |
| EBITDA margin, % | 24,13% | 23,42% | - | 18,54% | - |
| Profit/loss before tax, EUR | 374 117 | 213 162 | 76% | 112 187 | 233% |
Detailed financial information is provided in the appendix.
Head of Administration
Juozas Kaminskas
E-mail:juozas.kaminskas@neofinance.com
The full interim report of NEO Finance AB (legal entity code: 303225546; registered address: Ukmergės g. 126, Vilnius, Lithuania) for the Q3 of 2025, with confirmation by the responsible persons, are available for review in the attached document.