Logotype for NEO Finance AB

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.
Logotype for NEO Finance AB
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.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next NEO Finance earnings date

Logotype for NEO Finance AB
Q3 202531 Oct, 2025
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next NEO Finance earnings date

Logotype for NEO Finance AB
Q3 202531 Oct, 2025

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.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

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.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
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.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
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.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
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.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
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.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
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.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

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.

Quartr provides global coverage of all investor relation material from public companies.

  • 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.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage