Younited Financial (YOUNI) H1 2025 earnings summary

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.