Financial highlights

NEO Finance financial figures
2023202220212020
Granted loans, EUR44 061 32037 182 23027 416 76819 084 970
Income, EUR4 625 1933 530 4603 443 0822 482 981
Income related to peer-to-peer lending, EUR2 997 7262 352 1142 200 4371 732 378
Income related to issuing and handling electronic money, EUR1 314 9351 032 988903 782476 241
Income from investment activities, EUR312 533145 358338 863274 362
Sales cost price, EUR(2 340 173)(1 650 676)(1 769 674)(1 597 082)
General profit, EUR2 285 0201 879 7841 673 408885 899
Operating expenses, EUR(2 098 343)(1 721 176)(1 494 354)(955 312)
EBITDA, EUR718 538462 603422 522124 819
EBIT, EUR304 605159 300179 244(64 732)
Profit/loss against taxation, EUR
304 381158 608179 054(69 412)
Net profit, EUR260 858103 895117 739(121 896)
EBITDA margin, % *16%13%12%5%
EBIT margin, % *7%5%(3%)(3%)
Own capital profitability rate (ROE), % *9%6%4%(5%)
Property profitability rate (ROA), % *1,3%0,6%0,8%(1,2%)
Critical liquidity indicator (Quick ratio, Acid test ratio) *1,1191,0371,0680,974
General liquidity current ratio *1,1191,0381,0690,978
  • * The EBITDA margin measures a company’s earnings before interest, taxes, depreciation, and amortization as a percentage of its total revenue, indicating operating profitability.
  • * The EBIT margin represents a company’s earnings before interest and taxes as a percentage of its total revenue, highlighting its operational efficiency.
  • * The Return on Equity (ROE) measures the profitability of a company in generating profit from its shareholders’ equity.
  • * The Return on Assets (ROA) indicates how efficiently a company can manage its assets to produce profits.
  • * The quick ratio, or acid test ratio, assesses a company’s ability to meet its short-term obligations with its most liquid assets, excluding inventory.
  • * The current ratio evaluates a company’s ability to pay off its short-term liabilities with its short-term assets, providing insight into its liquidity position.