LM PAY S.A. Announces FY 2025 Results: EBIT Surpasses Expectations

LM PAY S.A., a Polish FinTech leader providing embedded finance solutions, has released its audited financial results for 2025. The company reported an operating profit (EBIT) of PLN 12.4 million, surpassing its preliminary estimates and guidance, alongside net sales revenue of PLN 32.4 million. Despite increased financing costs, LM PAY demonstrated strong operating profitability with a sturdy EBIT margin of 38.3%.

However, the company faced a net loss of PLN 1.3 million after accounting for a profit before tax of PLN 1.2 million and income tax expenses. The final audited figures showed improvements over preliminary results, attributed to accounting adjustments related to revenue and cost classifications.

2025 witnessed LM PAY's growth in sectors like healthcare, beauty, and insurance, alongside its shift to a new refinancing structure with UniCredit. This transition impacted short-term results due to one-off expenses but is anticipated to enhance future financial scalability and terms.