)
Visual
test
Younited Financial
Younited Financial (YOUNI) investor relations material
Younited Financial H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary17 Sep, 2025
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.
Impact of balance-sheet lending on funding sources?
Adjusted Net Income: What items are excluded?
Explain change in ECL scenario weighting.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 7 FebPGIL
Strong 9MFY26 growth with 13.2% higher revenue, margin gains, and upgraded credit ratings. - 7 Feb504614
Strong revenue and profit growth in Q3 FY26, led by power and steel segments. - 7 FebCHEMPLASTS
Net losses widened and revenue fell year-over-year amid regulatory and market headwinds. - 7 FebSBIN
Q3 FY26 net profit reached ₹21,028.15 crore, driven by robust income and strategic divestments. - 6 FebHTOO
Resale registration for 71,429 shares via warrant, with proceeds only on exercise; financial risks persist. - 6 FebVSAT
Q3 revenue up 3% to $1.16B, net income $25M, strong cash flow, Ligado boost, satellite focus. - 6 FebWEC
Targets 7–8% EPS growth, $37.5B capex, and coal exit by 2032 amid surging data center demand. - 6 FebBR
Q2 FY26 recurring revenue grew 8% and adjusted EPS guidance was raised to 9-12%. - 6 FebFFWM
Merger vote includes new non-voting stock class with limited conversion and no voting rights. - 6 FebKKR
Charter amendments seek to modernize governance and establish one share, one vote by 2026.
Next Younited Financial earnings date
H2 20253 Apr, 2026
Younited Financial
Next Younited Financial earnings date
H2 20253 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
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.
anuj283App Store
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.
anuj283App Store
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
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
)
)
Frequently asked questions
Younited Financial SA is a financial technology company that provides digital consumer credit and related financial services. The company operates an online platform that enables individuals to apply for personal loans, which are funded through institutional investors. In addition to its core lending activities, Younited Financial SA offers credit decisioning and data analytics solutions to financial institutions and other partners. Its services are designed to streamline the borrowing process and enhance credit risk assessment using proprietary technology. The company is headquartered in Paris, France, and its shares are listed on the Euronext Growth Paris.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage