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Visual21 Nov 2025
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NEO Finance (NEOF1) investor relations material
NEO Finance Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Q3 2025 closed with strong financial results, marked by robust growth in loan issuance, payment volumes, and profitability across all business segments.
Revenue for Q3 2025 reached EUR 2.11 million, up 42% year-over-year, with EBITDA growing 47% to EUR 510 thousand and profit before tax up 76% to EUR 374 thousand.
All three core segments—Paskolų klubas (P2P lending), Neopay (payments), and FinoMark (crowdfunding)—delivered significant growth and operational improvements.
Financial highlights
Q1–Q3 2025 revenue totaled EUR 5.87 million, a 30% increase year-over-year.
EBITDA for Q1–Q3 2025 rose 111% to EUR 1.61 million, with margin improving from 16.93% to 27.35%.
Profit before tax for Q1–Q3 2025 surged 215% to EUR 1.21 million.
Q3 2025 cost of sales increased 47% to EUR 976 thousand, and operating costs rose 26% to EUR 763 thousand.
Gross profit in Q3 2025 was EUR 1.14 million, up 39% year-over-year.
Outlook and guidance
Focus remains on sustainable expansion, automation, product transparency, and strategic partnerships to drive further growth.
Continued emphasis on international expansion for Neopay and product innovation across all segments.
BNPL-only investment: portfolio risk implications?
New debt collection laws: recovery impact?
FinoMark Credit Line: expected business impact?
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Next NEO Finance earnings date
Q4 202521 Mar, 2026
Next NEO Finance earnings date
Q4 202521 Mar, 2026
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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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