{"id":2918,"date":"2025-11-24T16:08:09","date_gmt":"2025-11-24T14:08:09","guid":{"rendered":"https:\/\/swaper.com\/blog\/?p=2918"},"modified":"2025-11-24T16:08:50","modified_gmt":"2025-11-24T14:08:50","slug":"wandoo-finance-group-performance-report-for-q3-2025","status":"publish","type":"post","link":"https:\/\/swaper.com\/blog\/en\/wandoo-finance-group-performance-report-for-q3-2025\/","title":{"rendered":"Wandoo Finance Group: Performance Report for Q3 2025"},"content":{"rendered":"<p>Dear Swaper Users,<\/p>\n<p>We are delighted to share the <a href=\"https:\/\/swaper.com\/en\/assets\/reports\/swaper_investor_report_q3_2025.pdf\" target=\"_blank\" rel=\"noopener\"><strong>Wandoo Finance Group Report for Q3 2025<\/strong><\/a> &#8211; a quarter marked by <strong>solid growth, operational excellence, and strategic advancement<\/strong> across all our markets.<\/p>\n<p>We believe you will find the results both <strong>insightful and encouraging<\/strong>. A brief summary of the <strong>main highlights<\/strong> is provided below.<\/p>\n<p><strong>Key Highlights<\/strong><\/p>\n<ul>\n<li>Continued growth in <strong>Loan Issuance<\/strong>, <strong>Revenue<\/strong>, <strong>EBITDA<\/strong>, <strong>Net Profit<\/strong>, and <strong>Net&nbsp;Portfolio<\/strong> on YoY basis<\/li>\n<li><strong>9M 2025 Net Profit<\/strong> exceeds full-year 2024 results by <strong>50%<\/strong><\/li>\n<li><strong>Continuous improvement of the fundraising structure<\/strong> and cost of capital<\/li>\n<li>Strategic groundwork for <strong>expansion in new markets within H1 2026<\/strong><\/li>\n<li><strong>Record-breaking<\/strong> <strong>quarter<\/strong> in Romania<\/li>\n<li><strong>Remarkable YoY growth in marketing efficiency <\/strong>across all channels and formats<\/li>\n<li><strong>Fully automated <\/strong>end-to-end<strong> lending process in Peru<\/strong><\/li>\n<\/ul>\n<p><strong>Strong Q3 2025 Financial Results<\/strong><\/p>\n<ul>\n<li><strong>Revenue:<\/strong> EUR mln 15.4 (\u2191 58% YoY, \u2191 8% QoQ)<\/li>\n<li><strong>EBITDA:<\/strong> EUR mln 3.1 (\u2191 24% YoY, stable QoQ)<\/li>\n<li><strong>Equity:<\/strong> EUR mln 10.1 (\u2191 63% YoY, \u2191 9% QoQ)<\/li>\n<\/ul>\n<p><strong>Risk Management &amp; Portfolio Quality Overview in Q3 2025<\/strong><\/p>\n<p>Wandoo Finance maintained a careful and disciplined risk-management strategy, even as its portfolio expanded significantly:<\/p>\n<ul>\n<li>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.<\/li>\n<li>Despite portfolio growth, positive shifts from Late buckets to Current buckets took placedue to robust risk management and continuous optimization efforts.<\/li>\n<\/ul>\n<p>The portfolio maintained consistently high quality, underscoring the strength and resilience of the Group\u2019s lending strategy.<\/p>\n<p>&nbsp;<\/p>\n<p>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.<\/p>\n<p>To dive into the full insights, <a href=\"https:\/\/swaper.com\/en\/assets\/reports\/swaper_investor_report_q3_2025.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>click here<\/strong><\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dear Swaper Users, We are delighted to share the Wandoo Finance Group Report for Q3 2025 &#8211; 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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2594,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"no","ngg_post_thumbnail":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2918","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-announcements"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Wandoo Finance Group: Performance Report for Q3 2025 - Swaper Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/swaper.com\/blog\/en\/wandoo-finance-group-performance-report-for-q3-2025\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Wandoo Finance Group: Performance Report for Q3 2025 - Swaper Blog\" \/>\n<meta property=\"og:description\" content=\"Dear Swaper Users, We are delighted to share the Wandoo Finance Group Report for Q3 2025 &#8211; a quarter marked by solid growth, operational excellence, and strategic advancement across all our markets. 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