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Interim report 2026-10-30

This report presents NEO Finance, AB's 2026 Q1-Q3 unaudited financial statements.

“The first nine months of 2026 demonstrated the resilience of NEO Finance’s diversified business model and our ability to improve profitability despite a challenging competitive environment and temporary market factors affecting parts of our business,” says Evaldas Remeikis, Head of Administration at NEO Finance.

Key financial highlights for Q1-Q3 2026 are presented below:

Indicators 2026 Q1-Q3 2025 Q1-Q3 Change % Revenue, EUR 6 607 496 6 163 202 7% Income from P2P lending, EUR 3 266 442 3 132 896 4% Income from e-money issuance and management, EUR 2 596 126 2 261 748 15% Income from investment activity, EUR 744 928 768 558 (3%) Cost of sales, EUR (2 711 990) (2 639 255) 3% Gross profit, EUR 3 895 506 3 523 947 11% General and administrative costs, EUR (2 416 772) (2 317 498) 4% EBITDA, EUR 1 942 184 1 605 807 21% Pre-tax profit (loss), EUR 1 478 734 1 206 449 23%

Detailed financial information is provided in the appendix.

Chief financial officer

Tomas Savickas

Email: 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 Q3 of 2026, with confirmation by the responsible persons, are available for review in the attached document.

Attachments:

NEO Finance AB 2026 Q3 sales and interim financial report.pdf


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