NEO Finance (NEOF1) Q4 2025 earnings summary

Executive summary

• Achieved strong financial and operational growth in 2025, with revenue up 32% year-over-year to €7.997 million and net profit up 216% to €1.532 million.

• E-money services segment grew rapidly, outpacing P2P lending, and consolidated net profit for the group reached €1.3 million.

• Strategic focus on compliance, cost management, and international expansion, especially in open banking and payments.

Financial highlights

• Revenue increased 32% year-over-year to €7.997 million; gross profit rose 49% to €4.492 million.

• EBITDA more than doubled to €2.179 million (margin up from 17% to 27%).

• Profit before tax surged 221% to €1.644 million; net profit up 216% to €1.532 million.

• Q4 2025 revenue grew 35% year-over-year to €2.127 million; Q4 EBITDA up 118%.

Outlook and guidance

• No specific financial forecasts provided due to regulatory and market uncertainties.

• Focus remains on sustainable, compliant, and disciplined growth, with continued investment in technology and international expansion.