Annual report 2026-02-27
“Our full-year performance underscores the strength of our diversified business model. Notably, our e-money services segment demonstrated exceptional growth momentum, significantly outpacing our peer-to-peer lending division. With e-money services generating EUR 3.079 million and P2P lending contributing EUR 4.264 million in annual revenues, we have successfully validated the strategic importance of our digital payments and financial services ecosystem. This complementary revenue mix, combined with our EUR 4.492 million gross profit, demonstrates the resilience and profitability of our platform across all business segments.
The 221% year-on-year improvement in profit before tax, coupled with EBITDA growth to EUR 2.179 million, showcases our ability to scale while maintaining disciplined cost management. On a consolidated basis, the Group's net profit reached €1.3 mln, while NEO Finance AB recorded net profit of €1.532 mln, reflecting strong operational performance across all business segments. The remarkable expansion of our e-money services particularly validates our investment in this high-growth segment and positions us well for continued momentum in the coming year
The financial improvement recorded in 2025 reflects progress, yet the operating landscape is becoming more demanding. Competition across Paskolų klubas, Neopay, and FinoMark remains strong. Expansion outside the Baltics will require capital, patience, and disciplined execution. Regulatory complexity is unlikely to decrease, and cost pressures — particularly in technology and talent — will continue to require careful management.”
— Juozas Kaminskas, Head of Administration, NEO Finance
This table presents the 2025 operational data of NEO Finance, AB – sales results, and unaudited financial indicators. Key results include:
2025 2024 2025 / 2024 Δ, % 2023 2025 / 2023 Δ, % Revenue, EUR 7 997 171
6 071 742
32%
4 696 825
70%
Income from P2P lending, EUR 4 264 078
3 685 365
16%
3 034 889 41%
Income from e-money issuance and management, EUR 3 078 985
1 802 641
71%
1 349 404
128%
Income from investment activity, EUR 654 108
583 735
12%
312 532
109%
Cost of sales, EUR ( 3 505 103)
(3 055 225)
15%
(2 339 654)
50%
Gross profit, EUR 4 492 068
3 016 517
49%
2 357 171
91%
General and administrative, other operating and interest expenses (depreciation excluded), EUR (2 847 719)
(2 503 737)
14%
(1 986 371)
43%
EBITDA, EUR 2 179 307
1 024 757
113%
784 957
178% EBITDA margin, %
27%
17%
- 17%
- Profit/loss before tax, EUR
1 644 349
512 780
221%
370 800
343% Net Profit (loss), EUR 1 532 716 485 711 216% 260 858 488%
Detailed financial information is provided in the appendix.
Additional information:
Head of Finance
Tomas Savickas
E-mail: tomas.savickas@neofinance.com
The full interim report of NEO Finance AB (legal entity code: 303225546; registered address: Ukmergės g. 126, Vilnius, Lithuania) for the Q4 of 2025, with confirmation by the responsible persons, are available for review in the attached document.
Attachments:
NEO Finance AB Q4 2025 sales and interim financial report.pdf