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YOUNITED Younited Financial reports revenue growth and a profit after tax of € 3.0 million for H1 2026 Stronger net interest income , improved credit performance and continued operating efficiency ; Updated outlook reflecting higher market interest rates and a tougher macro environment Luxembourg & Paris , 18 September 2026 - Younited Financial S.A. , the listed holding company of Younited S.A. , a leading European consumer credit platform and regulated credit institution , today announced its financial results for the first half of 2026 . Key H1 2026 Highlights ( IFRS figures ) Revenue increased by 5.9 % to € 81.1 million Net interest income increased by 8.7 % to € 35.2 million Loan Origination Volume remained broadly stable at € 438 million Reported Profit After Tax was € 3 million " Adjusted Profit Before Tax was break - even Despite a more challenging macroeconomic and interest - rate environment , Younited continued to strengthen its operating and financial fundamentals . Growth in the on - balance - sheet loan portfolio supported higher recurring net interest income , while credit performance and operating efficiency improved further . The Group continued its transition towards an originate - to - hold model and maintained a disciplined approach to pricing , business mix and underwriting . During the period , Younited completed its inaugural € 50 million Tier 2 subordinated notes issuance . Following the period end , the Group also completed two new warehouse facilities providing up to € 300 million of aggregate funding capacity . Technology and platform development Younited continued to invest in its technology platform and broaden its product offering during the period . The Group launched a point - of - sale financing solution in Italy in January , card - based BNPL in France in May and a new mobile application in June . It also expanded its merchant and consumer ecosystem through new commercial partnerships , including Iliad Free , Devialet , Leica and Hublot . Younited also accelerated the deployment of Al across marketing , credit decisioning , collections , engineering and employee workflows . These initiatives increased the share of instant personal - loan decisions in France from 33 % to 68 % , reduced credit - analysis costs by 75 % and increased features delivered per developer by 21 % year on year . The next stage of development will combine Younited's credit and data capabilities with broader everyday banking services , once the banking licence extension has been secured . Together with an Open Banking - based customer benefits programme , these capabilities are intended to deepen customer relationships , increase engagement and diversify the Group's revenue and funding base over time . Updated outlook Reflecting higher market interest rates and a tougher macro environment , Younited now expects : Adjusted Loss Before Tax in the range of € 16 million to € 18 million for the full year 2026 ■ ROE of 0 % in 2027 , in excess of 5 % in 2028 , and in excess of 10 % in 2029 Charles Egly , Group Chief Executive Officer said : " Younited delivered further progress during the first half , with growing net interest income , improved credit performance and reported profit after tax of € 3.0 million . However , we are disappointed with the pace of our financial progress . Net interest income growth in the first quarter fell short of our expectations , while higher market interest rates and a more challenging macroeconomic environment added further pressure in the second quarter . We have responded with a sharper focus on disciplined growth , improving profitability , and deploying WS0101.40508625.1