F88 Posts Strong Fourth-Quarter Profit, Exceeds 2025 Target by 35 per Cent
F88 continued to expand across three main channels: its nationwide transaction office network, partnerships and digital services via the My F88 application. — Photo courtesy of F88--
HANOI, VIETNAM, Radarseluma.disway.id - Alternative finance provider F88 continued its strong growth momentum in the fourth quarter of 2025, reporting higher profits, expanding lending operations and surpassing its full-year business targets, reinforcing its position in Việt Nam's non-traditional financial services market.
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The company announced pre-tax profit of VNĐ304 billion (US$12 million) for the final quarter, up 47 per cent year-on-year. For the whole year, pre-tax profit reached VNĐ907 billion, more than doubling 2024's figure and exceeding the annual plan by 35 per cent.
These results highlight F88's rapid expansion in serving mass-market customers who remain underserved by traditional banking institutions.
As of December 31, outstanding customer loans totalled VNĐ7.2 trillion, up 57 per cent from the beginning of the year, reflecting rising demand and the company's growing operational capacity.
Disbursements in the fourth quarter alone reached nearly VNĐ5 trillion, up 40 per cent year-on-year and marking the highest quarterly level since the firm's establishment. Total disbursements for 2025 rose 37 per cent to VNĐ16.5 trillion.
Revenue growth also accelerated. Fourth-quarter revenue climbed 53 per cent to nearly VNĐ1.21 trillion. Lending activities remained the main driver, contributing VNĐ1.05 trillion, or 86.4 per cent of total revenue, up 51 per cent. Insurance services generated VNĐ149 billion, surging 62 per cent and accounting for 12.2 per cent.
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