LM PAY S.A., a Polish FinTech company specializing in embedded finance solutions for healthcare, beauty, and insurance, reported strong preliminary results for the third quarter of 2025. The company's cumulative revenue for the first nine months of the fiscal year reached PLN 23.8 million (EUR 5.6 million), a 50% increase compared to PLN 15.8 million (EUR 3.7 million) in the same period last year. This growth was primarily driven by new partnerships and increasing demand for services in its target sectors.
The company's EBIT for the period stood at PLN 6.5 million (EUR 0.5 million), representing a 12.8% decline from 2024. LM PAY attributed this decrease to a one-off event in the previous year—the sale of a portfolio of receivables—which affected year-over-year comparability. Despite the drop, the underlying operational performance remained robust.
Customer acquisition also showed positive momentum. The number of clients served increased by 12% to 33,000 in the first nine months of 2025, driven by efficient onboarding processes at clinics and salons. This expansion reflects the company's ability to integrate its platform into new partner locations, currently serving over 13,000 clinics, beauty salons, and insurance brokers across Poland.
Recurring customer share rose to 33% in the third quarter of 2025, up from 30% in the same quarter of 2024. This indicates strong customer loyalty and satisfaction, as well as stable demand for LM PAY's financing solutions, which provide instant and binding credit decisions at the point of service.
LM PAY's embedded finance platform enables patients and customers to access essential services and consumer financing conveniently, while ensuring immediate payments to providers. The company, listed on the Dusseldorf Stock Exchange (ISIN: PLLMPAY00016), continues to strengthen its market position in Poland's healthcare, beauty, and insurance sectors.
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