4finance Holding S.A. Reports Solid First Half of 2025

4finance Holding S.A., a major player in Europe's digital consumer lending, announced its unaudited results for the first half of 2025. The group reported a net profit of €26.0 million and an adjusted EBITDA of €89.6 million, indicating a robust financial performance despite a slight decline in online loan issuance volume.

Interest income rose by 11% to €235.5 million, and the cost-to-income ratio improved to 39.2%. The group continues to maintain a strong liquidity position, ending the period with €59.7 million in cash. TBI Bank's loan issuance increased by 23%, contributing significantly to the group’s growth.

The sale of TBI Bank is progressing, pending regulatory approvals. Meanwhile, 4finance is enhancing its online operations and exploring expansion opportunities in emerging markets.