LM PAY S.A. Reports 50% Revenue Growth in Preliminary Q3 2025 Results

LM PAY S.A., a technology-driven FinTech company specializing in embedded finance solutions, reported substantial growth in its preliminary third-quarter results for 2025. The company's cumulative revenue after the first nine months 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 impressive performance underscores the increasing adoption of embedded finance solutions in Poland's healthcare, beauty, and insurance sectors.

The revenue surge was primarily driven by new partnerships and growing demand for the company's services across its target markets. LM PAY's platform enables instant and binding credit decisions at the point of service, allowing patients and customers to access essential services immediately while providing convenient consumer financing options. The company's integration into workflows of over 13,000 clinics, beauty salons, and insurance brokers across Poland has been instrumental in driving this growth, as detailed in their financial release available at https://www.newmediawire.com.

Customer acquisition showed strong positive development, with the number of clients served increasing by 12% to reach 33,000 in the first nine months of 2025. This expansion was largely attributed to efficient onboarding processes in clinics and salons, which significantly contributed to broadening the customer base. The growing client numbers reflect the market's increasing acceptance of embedded finance solutions for essential services.

Customer loyalty metrics also demonstrated positive trends, with recurring users accounting for 33% of the customer base in the third quarter of 2025, exceeding the 30% recorded in the same quarter of the previous year. This increasing share of repeat customers indicates consistently high satisfaction levels and stable demand for LM PAY's financing solutions across healthcare, beauty, and insurance services.

While revenue showed strong growth, the company's cumulative EBIT stood at PLN 6.5 million (EUR 0.5 million), representing a 12.8% decline compared to 2024. This decrease is mainly attributable 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. The company's performance metrics suggest sustainable growth patterns despite this temporary impact on profitability comparisons.

LM PAY's position as a listed company on the Dusseldorf Stock Exchange and its more than ten years of market experience provide a solid foundation for continued expansion. The company's focus on simplifying financing for patients and customers while ensuring immediate payments to service providers addresses critical pain points in the healthcare, beauty, and insurance sectors. The growing adoption of their embedded finance platform indicates a shifting landscape in how consumers access and pay for essential services in Poland.