4finance Reports Solid Nine-Month Financial Performance for 2025

4finance Holding S.A., a leading digital consumer lending group in Europe, announced robust financial results for the first nine months of 2025. The company recorded a net profit of €44.6 million and an Adjusted EBITDA of €142.6 million, reflecting a strong financial position. This performance is supported by a 23% year-on-year increase in Adjusted EBITDA and a 19% rise in net profit.

The interest income grew by 10% to €358.9 million, while the cost to income ratio improved to 38.3% from 41.8% the previous year. Despite an 8% year-on-year decrease in online loan issuance to €388.7 million, the company maintained asset quality with a gross NPL ratio steady at 9.8%.

Strategic advancements included progress in new markets such as the UK and Georgia. The sale of TBI Bank is proceeding as planned, pending final regulatory approvals. CFO James Etherington will step down in January 2026, highlighting upcoming management changes as the company continues to pursue growth opportunities.