LM PAY Reports Strong Revenue Growth and Expanding Customer Base in Third Quarter 2025

LM PAY S.A., an innovative technology-driven FinTech company, announced preliminary results for the third quarter of 2025 showing substantial revenue growth and expanding market penetration. The company, which specializes in embedded finance solutions for healthcare, beauty, and insurance sectors in Poland, reported cumulative revenue of PLN 23.8 million (EUR 5.6 million) for the first nine months of the 2025 fiscal year.

This revenue figure represents a significant 50% increase compared to the previous year's PLN 15.8 million (EUR 3.7 million), driven primarily by new partnerships and growing demand across the company's core service sectors. The robust growth trajectory underscores the increasing adoption of embedded finance solutions in Poland's service industries, where LM PAY provides instant credit decisions at the point of service.

The company's cumulative EBIT stood at PLN 6.5 million (EUR 0.5 million), reflecting 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 year-over-year comparability. Despite this temporary factor, the company maintains a solid operational foundation.

Customer acquisition showed particularly strong performance, with the number of clients served increasing by 12% to reach 33,000 during the first nine months of 2025. This growth is primarily attributed to efficient onboarding processes in clinics and salons, which have substantially contributed to expanding the company's customer base. The platform's integration into workflows of over 13,000 clinics, beauty salons, and insurance brokers across Poland has facilitated this expansion.

Customer loyalty metrics demonstrated 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 retention rate indicates consistently high customer satisfaction and stable demand for LM PAY's financing solutions. The company's ability to maintain strong customer relationships while expanding its user base suggests effective service delivery and market fit.

The financial results highlight the growing importance of embedded finance solutions in enabling access to essential services. By providing immediate credit decisions at the point of service, LM PAY enables patients and customers to gain immediate access to healthcare, beauty, and insurance services while ensuring prompt payments to service providers. This business model addresses critical pain points in service accessibility and provider compensation.

For investors and market observers, these results demonstrate LM PAY's positioning within Poland's evolving FinTech landscape. The company's listing on the Dusseldorf Stock Exchange (ISIN: PLLMPAY00016) and more than ten years of market experience provide additional context for evaluating its growth trajectory and market position. The original release can be viewed on www.newmediawire.com.

The implications of these results extend beyond immediate financial metrics, suggesting broader trends in financial technology adoption across service industries. As embedded finance continues to transform how consumers access and pay for services, companies like LM PAY are positioned to benefit from the digital transformation of traditional service sectors. The growth in both new customer acquisition and recurring usage indicates sustainable business development rather than temporary market expansion.