)

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.
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.
Next NEO Finance earnings date

Next NEO Finance earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage