{"id":3026,"date":"2026-02-20T12:32:40","date_gmt":"2026-02-20T10:32:40","guid":{"rendered":"https:\/\/swaper.com\/blog\/?p=3026"},"modified":"2026-02-20T14:41:03","modified_gmt":"2026-02-20T12:41:03","slug":"wandoo-finance-group-delivers-strong-finish-to-a-record-2025","status":"publish","type":"post","link":"https:\/\/swaper.com\/blog\/en\/wandoo-finance-group-delivers-strong-finish-to-a-record-2025\/","title":{"rendered":"Wandoo Finance Group delivers strong finish to a record 2025"},"content":{"rendered":"<p>Dear Swaper Users,<\/p>\n<p>We are pleased to share the <a href=\"https:\/\/swaper.com\/en\/assets\/reports\/swaper_investor_report_q4_2025.pdf\" target=\"_blank\" rel=\"noopener\">Wandoo Finance Group report<\/a> for <strong>Q4 2025<\/strong>\u2014a quarter of solid financial performance, continued portfolio expansion, and a strengthened capital structure, marking the <strong>third consecutive year of strong growth<\/strong>.<\/p>\n<p>We hope the report provides a clear snapshot of our progress and momentum. Below is a brief overview of the key highlights.<\/p>\n<h2><strong>Key Highlights<\/strong><\/h2>\n<ul>\n<li>Strong year-end results in <strong>Loan Issuance<\/strong>, <strong>Revenue<\/strong>, <strong>EBITDA<\/strong>, <strong>Net Profit<\/strong>, and <strong>Portfolio<\/strong><\/li>\n<\/ul>\n<ul>\n<li>Q4 2025 <strong>Revenue acceleration<\/strong> supported by the lagged effect of higher issuance earlier.<\/li>\n<li><strong>Continuous optimization of capital structure<\/strong> and <strong>reduction of cost of capital<\/strong> by <strong>~2%<\/strong> during 2025.<\/li>\n<li>Readiness to launch lending business in <strong>Lithuania<\/strong>, regulatory decision pending.<\/li>\n<li>Champion\u2013challenger scorecard architecture implemented across all <strong>4 markets<\/strong>.<\/li>\n<li>AI-powered debt collection solution implemented in <strong>Poland<\/strong>.<\/li>\n<\/ul>\n<h2><strong>Remarkable Y2025 financial results<\/strong><\/h2>\n<ul>\n<li><strong>Revenue<\/strong>:&nbsp;EUR 60.9 mln (\u2191 75% YoY)<\/li>\n<li><strong>EBITDA<\/strong>:&nbsp;EUR 12.5 mln (\u2191 25% YoY)<\/li>\n<li><strong>Net Profit<\/strong>: EUR 3.7 mln (\u2191 81% YoY)<\/li>\n<li><strong>Gross loan portfolio<\/strong>: EUR 52.8 mln (\u2191 63% YoY)<\/li>\n<li><strong>Equity<\/strong>: EUR 10.7 mln (\u2191 53% YoY)<\/li>\n<\/ul>\n<h2><strong>Risk Management &amp; Portfolio Quality Overview in Q4 2025<\/strong><\/h2>\n<p>Wandoo Finance maintained a disciplined risk-management approach even as the portfolio expanded significantly:<\/p>\n<ul>\n<li><strong>Loss rate<\/strong> across all markets increased slightly to <strong>11.5%<\/strong> (from <strong>10.9%<\/strong> in Q3 2025), mainly reflecting intentional growth and higher issuance.<\/li>\n<li>Despite strong portfolio growth, <strong>migration within late delinquency buckets remained limited<\/strong>, indicating robust underwriting and ongoing optimization.<\/li>\n<\/ul>\n<p>Overall portfolio quality remained consistently strong, underscoring the resilience and stability of the Group\u2019s lending strategy.<\/p>\n<p>We extend our best wishes to Wandoo Finance Group for continued success and look forward to seeing the outcomes of its ongoing growth.<\/p>\n<p>&nbsp;<\/p>\n<p>To read the full report, <a href=\"https:\/\/swaper.com\/en\/assets\/reports\/swaper_investor_report_q4_2025.pdf\" target=\"_blank\" rel=\"noopener\"><strong>click here<\/strong><\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dear Swaper Users, We are pleased to share the Wandoo Finance Group report for Q4 2025\u2014a 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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3035,"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-3026","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 delivers strong finish to a record 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-delivers-strong-finish-to-a-record-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 delivers strong finish to a record 2025 - Swaper Blog\" \/>\n<meta property=\"og:description\" content=\"Dear Swaper Users, We are pleased to share the Wandoo Finance Group report for Q4 2025\u2014a quarter of solid financial performance, continued portfolio expansion, and a strengthened capital structure, marking the third consecutive year of strong growth. 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