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NEO Finance
NEO Finance (NEOF1) investor relations material
NEO Finance Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Feb, 2026
Executive summary
Achieved strong financial and operational growth in 2025, with revenue up 32% year-over-year to €7.997 million and net profit up 216% to €1.532 million.
E-money services segment grew rapidly, outpacing P2P lending, and consolidated net profit for the group reached €1.3 million.
Strategic focus on compliance, cost management, and international expansion, especially in open banking and payments.
Financial highlights
Revenue increased 32% year-over-year to €7.997 million; gross profit rose 49% to €4.492 million.
EBITDA more than doubled to €2.179 million (margin up from 17% to 27%).
Profit before tax surged 221% to €1.644 million; net profit up 216% to €1.532 million.
Q4 2025 revenue grew 35% year-over-year to €2.127 million; Q4 EBITDA up 118%.
Outlook and guidance
No specific financial forecasts provided due to regulatory and market uncertainties.
Focus remains on sustainable, compliant, and disciplined growth, with continued investment in technology and international expansion.
Partial view of Summaries dataset, powered by Quartr API
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Next NEO Finance earnings date
Q1 202630 Apr, 2026
NEO Finance
Next NEO Finance earnings date
Q1 202630 Apr, 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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