on 4finance S.A. (ETR:XS141787)
4finance Reports Strong Financial Results for 2025
4finance Holding S.A. revealed robust financial performance for 2025, achieving a net profit of €64.3 million and an Adjusted EBITDA of €194.9 million. The sale of TBI Bank was completed on 27 February 2026, streamlining the Group's focus on its online lending business. Online loan issuance for the year totaled €513.5 million, marking a significant growth milestone since inception, surpassing €11 billion.
Financially, the company saw a 24% year-on-year increase in Adjusted EBITDA, with a margin of 40%. Net profits rose by 23% compared to 2024. Interest income climbed to €486.5 million, highlighting operational efficiency and disciplined cost management. The cost to income ratio improved to 39.0% from 41.8% in 2024.
The Group expanded into new markets like the UK, Georgia, and is evaluating Mexico. It also appointed Nicholas Philpott as CFO. With a solid liquidity position, 4finance plans for its October 2026 bond maturity, affirming its strategic trajectory.
R. H.
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