NEO Finance (NEOF1) Q3 2025 earnings summary

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.