tech-morning-logo tech-morning-logo-dark
  • Startups
  • Apps
  • Platforms
  • Updates
  • Money
  • Gadgets
Tech MorningTech Morning
Search
Follow US
Updates

Fintech lender 4finance tops €11B in online loans, reports strong H1

Cristian Hatis
Cristian Hatis
11 months ago
2 Min Read
4finance
Image by: 4finance Linkedin Page
SHARE

4finance, a European fintech lender, has reported solid first-half results for 2025 as it continues to grow its digital lending business, hitting €11 billion in lifetime online loans while preparing to divest its banking arm.

The Luxembourg-based group posted €26 million in net profit and €89.6 million in adjusted EBITDA for the first half of the year, highlighting its ability to balance profitability with expansion.

Online loan volumes held at €256.7 million, down slightly year-on-year, but the company said this reflects a deliberate strategy to prioritize sustainable margins over raw growth.

The company continues to explore new markets with a step-by-step approach. Its UK joint venture, ondal.co.uk, is scaling with “positive unit economics” and rising lending volumes, while a pilot launch in Georgia is testing auto loans.

Artificial intelligence
Europe AI rankings 2026: Denmark leads as Eastern Europe gains momentum

In Mexico, where its kimbi.mx brand operates, growth has been slower, and the company said it isn’t ready to scale yet. Still, management sees emerging markets as a key part of long-term growth.

For now, the group’s financial footing remains solid: interest income climbed 11% to €235.5 million, while its cost-to-income ratio improved to 39.2%. Online adjusted EBITDA rose 14% year-on-year to €23.7 million.

4finance is also advancing a sale of its banking subsidiary, TBI Bank, which grew loan issuance 23% year-on-year to €653.2 million in the period. The divestment, announced in April, is still pending regulatory approval.

TAGGED:4financeFintechIncome
Share This Article
Facebook Pinterest Whatsapp Whatsapp LinkedIn Reddit Email Copy Link Print
Share

Latest News

Asternova-Vest-launch-event

Romania’s Western region launches €37 million venture capital fund

Romania’s startup ecosystem is gaining a new source of growth…

Money
3 weeks ago
banner
Join the Waitlist >
Sign up to stay in the loop. We'll notify you the moment we launch.
Join Now
mobile web
Platforms

Slovakia leads East Europe in mobile web performance, Bulgaria follows close behind

Slovakia delivered the strongest mobile web browsing performance in Eastern…

1 month ago
bolt-pony-stelalantis-autonomous-mobility
Platforms

Bolt, Pony.ai and Stellantis launch autonomous mobility pilot in Luxembourg

The companies say the goal is to reach full autonomous-driving…

1 month ago
eyou-founders
Platforms

Romanian social media platform eYou launches publicly with 50,000 users

Romanian-born social platform eYou has launched publicly with 50,000 registered…

1 month ago
- Advertisement -
Ad image
Tradeinn team
Updates

Record turnover for Spanish-founded e-commerce group TradeInn in 2025

6 months ago
Jens Amail CEO SNP
Updates

SNP remains on growth trajectory in 2025 with third consecutive record year

6 months ago
Freedom Bank
Apps

Freedom Bank turns its app into an AI operator for entrepreneurs

8 months ago
Modestas Sudnius (CEO) and Māris Kreics (CFO) Eleving Group
Platforms

Eleving Group expands to Tanzania after securing operating license

8 months ago
favicon favicon
  • Concept
  • Contact
  • Privacy Policy
Welcome Back!

Sign in to your account

Username or Email Address
Password

Lost your password?