LM PAY Reports Strong Revenue Growth Despite EBIT Decline in Third Quarter 2025

LM PAY S.A., a technology-driven FinTech company offering embedded finance solutions in Poland's healthcare, beauty and insurance sectors, reported significant revenue growth for the first nine months of the 2025 fiscal year. The company's cumulative revenue reached PLN 23.8 million (EUR 5.6 million), representing approximately 50% growth compared to the previous year's figure of PLN 15.8 million (EUR 3.7 million). This substantial increase was primarily driven by new partnerships and growing demand across all three of the company's core service sectors.

The company's customer base expanded significantly during the reporting period, with the number of clients served increasing by 12% to reach 33,000 customers. This growth was attributed to efficient onboarding processes in clinics and salons, which substantially contributed to the expansion of LM PAY's market presence. The company's platform is integrated into workflows of over 13,000 clinics, beauty salons and insurance brokers across Poland, providing instant and binding credit decisions at the point of service.

Despite the strong revenue performance, LM PAY reported a cumulative EBIT of PLN 6.5 million (EUR 0.5 million), representing a 12.8% decline compared to 2024. The company attributed this decrease to a one-off event in the previous year involving the sale of a portfolio of receivables, which affected the comparability of results between the two periods. This temporary factor masks the underlying operational strength demonstrated by the revenue growth and customer expansion.

Customer loyalty metrics showed positive trends, with the share of recurring users reaching 33% in the third quarter of 2025, exceeding the 30% recorded in the same quarter of the previous year. This increasing customer retention rate underscores consistently high satisfaction levels and stable demand for LM PAY's financing solutions. The company's ability to maintain strong recurring usage patterns indicates the effectiveness of its embedded finance model in meeting customer needs across healthcare, beauty services, and motor insurance sectors.

LM PAY's performance highlights the growing importance of embedded finance solutions in specialized service sectors, particularly in emerging European markets. The company's success in expanding its customer base while maintaining high retention rates demonstrates the viability of point-of-service financing models in healthcare and beauty industries. Investors and industry observers can track the company's performance through its listing on the Dusseldorf Stock Exchange under ISIN: PLLMPAY00016. Additional information about the company's financial results is available through the original release on www.newmediawire.com.