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Investor Relations14 Oct 2025
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Younited Financial (YOUNI) investor relations material
Younited Financial H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary17 Sep, 2025
Executive summary
Shifted to a balance-sheet lending model in H1 2025, reducing reliance on external debt capital markets and increasing resilience and profitability.
Achieved B-Corp certification and acquired Helios, expanding into eco-conscious and green digital banking products.
Loan origination volumes grew by 24%, total revenue by 48%, and loan portfolio on balance sheet by 38% compared to H2 2024.
Scaled Younited Pay, with 75% of instalment payment volumes via partner ecosystem.
Adjusted net loss reduced to €(10.0)m in H1 2025 from €(37.0)m in H2 2024.
Financial highlights
Total loan origination/GMV reached €629.3m in H1 2025, up 24–25% from H2 2024.
Total revenue increased to €85.1m, a 48% rise over H2 2024.
Gross profit surged 286% to €37.4m compared to H2 2024.
Net loss for H1 2025 was €(9.1)m to €(11.4)m, showing significant improvement from previous periods.
Total assets grew from €1.2 billion at end-2024 to €1.5 billion at June 2025.
Outlook and guidance
Targeting positive adjusted net income in Q4 2025, excluding Helios and integration costs.
Plans to scale profitably in core lending markets, broaden Younited Pay, and integrate Helios while maintaining cost discipline.
Macroeconomic environment remains fragile, with ECB rate cuts and easing inflation.
Impact of balance-sheet lending on funding sources?
Adjusted Net Income: What items are excluded?
Explain change in ECL scenario weighting.
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Next Younited Financial earnings date
H2 20253 Apr, 2026
Next Younited Financial earnings date
H2 20253 Apr, 2026
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Frequently asked questions
Younited Financial SA is a financial technology company that provides digital consumer credit and related financial services. The company operates an online platform that enables individuals to apply for personal loans, which are funded through institutional investors. In addition to its core lending activities, Younited Financial SA offers credit decisioning and data analytics solutions to financial institutions and other partners. Its services are designed to streamline the borrowing process and enhance credit risk assessment using proprietary technology. The company is headquartered in Paris, France, and its shares are listed on the Euronext Growth Paris.
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