4finance Reports Strong Nine-Month 2025 Performance

4finance Holding S.A., a leading European digital consumer lending group, announced strong financial results for the nine months ending September 30, 2025. The Group reported a net profit of €44.6 million and an Adjusted EBITDA of €142.6 million.

During this period, the company witnessed a 10% rise in interest income amounting to €358.9 million, with a cost-to-income ratio improvement to 38.3%. Despite an 8% year-on-year decline in online loan issuance, the Group's net profit increased by 19%, reflecting a stable asset quality and operational discipline.

The Group continues to expand strategically, with its UK joint venture showing positive outcomes and operations in Georgia advancing as planned. Meanwhile, the sale of TBI Bank progresses, pending regulatory approvals.

Additionally, CFO James Etherington will leave the company in January 2026 to pursue new opportunities, with the succession process underway.