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NEO Finance (NEOF1) investor relations material
NEO Finance Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary31 Jul, 2025
Executive summary
Achieved strong business momentum in H1 2025, with sustainable growth across all segments and strategic expansion into new markets.
Revenue for H1 2025 reached EUR 3.76 million, up 25% year-over-year; EBITDA more than doubled to EUR 1.12 million.
All three core business segments—Paskolų klubas, Neopay, and FinoMark—delivered solid progress and operational improvements.
CEO transition completed in June 2025, with Juozas Kaminskas appointed as Head of Administration.
Financial highlights
Q2 2025 revenue was EUR 1.98 million, a 29% increase compared to Q2 2024.
Q2 2025 EBITDA rose 357% year-over-year to EUR 769 thousand; EBITDA margin reached 38.8%.
Profit before tax in Q2 2025 surged 1094% to EUR 491 thousand from EUR 41 thousand in Q2 2024.
Cost of sales in Q2 2025 decreased by 21% year-over-year, while operating costs increased by 4%.
H1 2025 profit before tax was EUR 852 thousand, up 403% from H1 2024.
Outlook and guidance
Focus for H2 2025 includes further platform enhancements, technical infrastructure upgrades, and expansion into additional EU markets.
Neopay aims to broaden its product portfolio with payment terminals and financing solutions, targeting growth in Poland, Latvia, Estonia, and Spain.
FinoMark to continue automation, product transparency, and strategic partnerships to drive sustainable growth.
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Next NEO Finance earnings date
Q3 202531 Oct, 2025
Next NEO Finance earnings date
Q3 202531 Oct, 2025
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Frequently asked questions
NEO Finance AB is a Lithuania-based financial services company primarily engaged in consumer lending through its peer-to-peer lending platform, Paskolų Klubas. This platform allows individual investors to lend directly to borrowers, offering an alternative to traditional banking loans. The company also operates under the brand Neopay, which provides payment initiation services and account information services, authorized as an electronic money institution by the Bank of Lithuania. The company is headquartered in Vilnius, Lithuania, and its shares are listed on the Nasdaq Vilnius.
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