Wandoo Finance Group: Performance Report for Q3 2025
Dear Swaper Users,
We are delighted to share the Wandoo Finance Group Report for Q3 2025 – a quarter marked by solid growth, operational excellence, and strategic advancement across all our markets.
We believe you will find the results both insightful and encouraging. A brief summary of the main highlights is provided below.
Key Highlights
- Continued growth in Loan Issuance, Revenue, EBITDA, Net Profit, and Net Portfolio on YoY basis
- 9M 2025 Net Profit exceeds full-year 2024 results by 50%
- Continuous improvement of the fundraising structure and cost of capital
- Strategic groundwork for expansion in new markets within H1 2026
- Record-breaking quarter in Romania
- Remarkable YoY growth in marketing efficiency across all channels and formats
- Fully automated end-to-end lending process in Peru
Strong Q3 2025 Financial Results
- Revenue: EUR mln 15.4 (↑ 58% YoY, ↑ 8% QoQ)
- EBITDA: EUR mln 3.1 (↑ 24% YoY, stable QoQ)
- Equity: EUR mln 10.1 (↑ 63% YoY, ↑ 9% QoQ)
Risk Management & Portfolio Quality Overview in Q3 2025
Wandoo Finance maintained a careful and disciplined risk-management strategy, even as its portfolio expanded significantly:
- Loss rate across all markets slightly increased to 10.9% (10.3% in Q2 2025), as several challenger groups are being tested to identify the optimal balance between approval rates and risk levels.
- Despite portfolio growth, positive shifts from Late buckets to Current buckets took placedue to robust risk management and continuous optimization efforts.
The portfolio maintained consistently high quality, underscoring the strength and resilience of the Group’s lending strategy.
We extend our best wishes to Wandoo Finance Group for its continued success and look forward to witnessing the positive outcomes of its ongoing growth.
To dive into the full insights, click here.