Wandoo Finance Group delivers strong finish to a record 2025
Dear Swaper Users,
We are pleased to share the Wandoo Finance Group report for Q4 2025—a quarter of solid financial performance, continued portfolio expansion, and a strengthened capital structure, marking the third consecutive year of strong growth.
We hope the report provides a clear snapshot of our progress and momentum. Below is a brief overview of the key highlights.
Key Highlights
- Strong year-end results in Loan Issuance, Revenue, EBITDA, Net Profit, and Portfolio
- Q4 2025 Revenue acceleration supported by the lagged effect of higher issuance earlier.
- Continuous optimization of capital structure and reduction of cost of capital by ~2% during 2025.
- Readiness to launch lending business in Lithuania, regulatory decision pending.
- Champion–challenger scorecard architecture implemented across all 4 markets.
- AI-powered debt collection solution implemented in Poland.
Remarkable Y2025 financial results
- Revenue: EUR 60.9 mln (↑ 75% YoY)
- EBITDA: EUR 12.5 mln (↑ 25% YoY)
- Net Profit: EUR 3.7 mln (↑ 81% YoY)
- Gross loan portfolio: EUR 52.8 mln (↑ 63% YoY)
- Equity: EUR 10.7 mln (↑ 53% YoY)
Risk Management & Portfolio Quality Overview in Q4 2025
Wandoo Finance maintained a disciplined risk-management approach even as the portfolio expanded significantly:
- Loss rate across all markets increased slightly to 11.5% (from 10.9% in Q3 2025), mainly reflecting intentional growth and higher issuance.
- Despite strong portfolio growth, migration within late delinquency buckets remained limited, indicating robust underwriting and ongoing optimization.
Overall portfolio quality remained consistently strong, underscoring the resilience and stability of the Group’s lending strategy.
We extend our best wishes to Wandoo Finance Group for continued success and look forward to seeing the outcomes of its ongoing growth.
To read the full report, click here.