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Younited Financial
Younited Financial (YOUNI) investor relations material
Younited Financial H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary19 Mar, 2026
Executive summary
Achieved strong growth in loan origination (+50%), balance sheet loans (+44%), and revenue (+54%) year-over-year for FY 2025, reaching €146 million.
Attained profitability in H2 2025, with the first profitable quarter in Q4 and IFRS net income of €7.3m.
Completed a strategic transformation to a balance-sheet-driven model, enhancing margin capture and revenue visibility.
Expanded ecosystem through the acquisition of Helios, broadening services beyond lending.
Launched Y-Pay in Italy and executed two value-accretive loan portfolio acquisitions.
Financial highlights
Loan origination volume rose to €960m (+50% year-over-year); loans and advances to customers reached €1,056m (+44%).
Revenue increased to €145.7m (+54% year-over-year); non-interest income grew 58% to €81m.
Operating costs decreased by 13% to €114m, with cost-to-income ratio improving from 139% to 78%.
Net interest yield expanded by 174bps to 5.8%; gross interest yield at 8.6%.
Adjusted net income improved by €51m, with FY 2025 adjusted net income at €1.6m.
Outlook and guidance
Guidance for over 10% return on equity (ROE) for full-year 2026, with continued momentum in loan origination and resilient margins.
Loan book growth expected to match FY 2025, with upside from selective acquisitions.
Ongoing regulatory review to extend the scope of activities under the banking license.
Cost discipline and conservative capital framework to be maintained; funding base to remain diversified and resilient.
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Latest events from Younited Financial
Next Younited Financial earnings date
H1 202616 Sep, 2026
Younited Financial
Next Younited Financial earnings date
H1 202616 Sep, 2026
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