Q3 2025 delivered strong revenue and net income growth, with revenues up 18% and net income up 57% year-over-year, driven by higher commissions, stable or slightly lower interest income, and disciplined cost management.
International rollout of crypto trading to Austria, Netherlands, France, and Spain, with over 30,000 active crypto traders and 190,000 transactions executed in 9M 2025.
Securities lending launched in the Netherlands and Spain, with further expansion planned.
Administrative and operating expenses were significantly reduced, resulting in a clean and sustainable cost base.
New customer accounts increased 9% in Q3, supporting top-line expansion.
Q3 2025 revenues grew 18% year-over-year, reaching up to €146m, with commission income up 34% and interest income broadly stable or down 4.7%.
Net income for Q3 2025 rose 57% year-over-year, reaching up to €42m, with a net income margin of about 30%.
Assets under custody reached nearly €92bn, up 42% year-over-year and 10% quarter-on-quarter.
Net cash inflows for 9M 2025 were €7.2bn, exceeding full-year 2024 levels and up 44% year-over-year.
EBITDA margin improved significantly, with Q3 2025 EBITDA at up to €69m (+51% YoY) and margin above 50%.
Full-year 2025 revenue guidance raised to €530–550m (+10–15% YoY), and net income guidance raised to €150–160m (+34–43% YoY).
Guidance reflects cautious assumptions, not extrapolating strong October momentum for the rest of the year.
Ambitious 2027 targets: revenues of ~€650m and net income of ~€200m.
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FlatexDEGIRO is a European online brokerage, resulting from the merger of Flatex and DEGIRO. The platform facilitates the trading of a diverse range of financial instruments, from stocks and ETFs to bonds and derivatives, across multiple international exchanges. Recognized for its user-friendly interface and transparent fee structure, FlatexDEGIRO caters to both novice and seasoned investors, striving to provide efficient and informed trading and investing.
FlatexDEGIRO's origin can be traced back to two separate entities: Flatex from Germany and DEGIRO from the Netherlands. Flatex was focused on providing an online brokerage for investors, while DEGIRO initially aimed at catering to professional clients but soon expanded its reach to retail customers. The two firms' paths converged in 2019 when Flatex announced its plans to acquire DEGIRO. By 2021, the acquisition was complete, leading to the formation of flatexDEGIRO, which now has over two million clients across 18 European countries.
The company’s platform enables customers to trade a vast assortment of financial instruments. Investors can access stocks, ETFs, bonds, and derivatives from more than 50 exchanges worldwide and the platform's design makes it easy for both novice and seasoned investors to navigate and execute trades with ease. Its transparent fee structure stands out, often boasting low or even commission-free trades, making it cost-effective for regular traders. FlatexDEGIRO also provides real-time market data, ensuring investors are equipped with current information when making investment decisions or when checking in on their portfolios. Some publicly traded peers to FlatexDEGIRO include names such as Avanza, Nordnet, and Interactive Brokers.
FlatexDEGIRO offers more than just a trading platform. Recognizing the importance of informed decision-making, the company provides an array of educational resources. Clients can access webinars, tutorials, e-books, market news, and analytical reports. These resources aim to enhance users' understanding of the market and refine their investment strategies. For individuals looking for a hands-off investment solution, flatexDEGIRO offers a robo-advisory service. This tool uses algorithms to develop a portfolio based on the client's financial objectives and risk tolerance.
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