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Extra Everything: The Story of Chipotle
Chipotle's story from a single restaurant to a nationwide chain, through crisis and turnaround, built on one of the strongest models in the industry.
NEO Finance
NEO Finance (NEOF1) investor relations material
NEO Finance Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary30 Apr, 2026
Executive summary
Q1 2026 saw continued improvement in profitability and operational efficiency, with revenue up 2% year-over-year to €1.81M, pre-tax profit up 6% to €381K, and EBITDA up 8% to €530K (29% margin).
Cost discipline was strong, with cost of sales down 9% and gross profit up 10% year-over-year.
Revenue growth remains below expectations, with intensified competition and regulatory impacts affecting loan origination and revenue.
The company is prioritizing stronger execution in customer acquisition, channel strategy, and commercial development.
Financial highlights
Revenue: €1.81M (+2% YoY), driven by e-money segment expansion.
Income from P2P lending: €978K (+3% YoY); e-money issuance: €800K (+17% YoY); investment activity: €32K (-77% YoY).
Cost of sales: €681K (-9% YoY); gross profit: €1.13M (+10% YoY).
Operating expenses: €749K (+12% YoY).
EBITDA: €530K (+8% YoY, margin 29.3%).
Profit before tax: €381K (+6% YoY, +198% vs Q1 2024).
Outlook and guidance
Focus on improving market positioning, strengthening distribution channels, and accelerating revenue generation.
Board expects continued cost efficiency and aims for sustainable revenue growth.
Solid capital, AML, compliance, and operational foundation supports future growth.
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Latest events from NEO Finance
- Revenue and profit surged, driven by e-money and crowdfunding growth, with stable P2P returns.NEOF1
Q4 20252 Mar 2026 - Q4 2024 saw 12% revenue growth, 32% higher EBITDA, and record expansion in e-money and crowdfunding.NEOF1Q4 20245 Nov 2025
- Q3 2025 delivered 42% revenue growth, 47% higher EBITDA, and a 16% larger loan portfolio.NEOF1Q3 20253 Nov 2025
- Q2 2025 profit before tax surged 1094% year-over-year on 29% revenue growth.NEOF1Q2 20255 Aug 2025
- Q3 2024 saw 26% revenue growth, 59% higher EBITDA, and strong international investor traction.NEOF1Q3 202413 Jun 2025
- Q2 2024 revenue up 40% year-over-year, but profit before tax down 59% on rising costs.NEOF1Q2 202413 Jun 2025
- Q1 2025 saw NEO Finance double EBITDA and expand lending, e-money, and payment services.NEOF1Q1 202510 Jun 2025
Next NEO Finance earnings date
Q2 202631 Jul, 2026
NEO Finance
Next NEO Finance earnings date
Q2 202631 Jul, 2026
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excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
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I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
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