ROBO.CASH OVERVIEW, 2022-H1 2025
- The platform's community has grown significantly since 2022, reaching a milestone of 40,000 investors this year;
- In almost four years, the amount of loans purchased has doubled and now is 1.1 billion euros;
- Investor earnings have crossed the 30 M euros mark in 2025.
“This year, our goal remains to ensure seamless and reliable platform operations. We will continue to improve the user experience while maintaining a balanced supply and demand ratio”. - Ivan Adamovich, CFO and Deputy CEO of UnaFinancial.
UNAFINANCIAL PERFORMANCE, 2021 - H1 2025
- In 2024, disbursement volumes amounted to $741.0 million, up 12% year-over-year;
- Total assets reached $111.0 million;
- Interest income and commission income grew and totaled $202.3 M. In H1 2025, it amounts to $106.4 M, and the group is planning to raise it further;
- Cost-to-income ratio went down from 37% in 2023 to 31% in 2025;
- Net profit equaled $0.6 M, marking an increase from the previous year. In six months of this year the group has already made it to $5.0 M.
For more details, you can view the report on the Group’s website.
QUESTIONS AND ANSWERS
We received many questions about the financial health of the Group and the development of the platform. Below we've put together a sampling of the main ones. Watch the full version on our Youtube channel.
ABOUT THE FINANCIAL STABILITY OF THE GROUP
Financial results 2024
Investors inquired about the actual net profit of the Group and the total comprehensive loss.
During 2024, UnaFinancial earned 0.6 M dollars in net profit.
Total comprehensive loss in the amount of 6.3 M dollars includes not only the net profit but also foreign currency translation differences arising from the conversion of financial statements of foreign operations into the presentation currency (USD). This translation adjustment does not impact the Group’s operating profitability.
Leverage and debt-to-equity ratio
The liabilities-to-equity ratio increased at the end of 2024 mostly because of the translation reserve adjustment. It didn’t impact the Group’s cash flows or operating performance. The Group still has a strong base of liquid assets that can well cover its liabilities.
In 2024, we started to reduce debt, and we still do it in 2025. Another step we made was to focus on profitable business units and products. The liabilities-to-equity ratio has improved compared to the end of 2024 by 37%. We keep a close eye on the ratio and have a long-term strategy to improve it. We can already see the fruits of this strategy in this year’s results.
Financial results H1 2025
We have already reached 5 million dollars in net profit by the end of the first half of 2025 and are planning to further increase it by the end of the year.
GROUP PORTFOLIO & PLANS FOR 2025
State of the loan portfolio by defaulted loans
The share of default loans in a portfolio is actually not the best representation of a business’s well-being, because of the nature of consumer short-term lending. The turnover is quite fast, so the default loans appear on the balance sheet in a bigger amount than they would in banking products. Also, we can lower the share of defaulted loans by cession or by our own means.
Cost of risk gives a better insight of the business, and it has improved since last year.
Group expansion in 2025
Our main goal for this year is to generate sustainable profits and scale the best-performing businesses in the high-potential markets. This strategy has brought its results: in 2025, most of our businesses are profitable, the best results are seen in Kazakhstan and the Philippines.
The biggest focus is on Central and Southeast Asia, where we are developing our current products and launching new ones. For instance, last year we introduced Instalment loans in these regions. Now, we are working on loans for small and medium businesses in Uzbekistan and Kazakhstan and car loans in Kazakhstan.
Capital-raising initiatives in 2025
We’re working on improving our capital structure, both debt and our own. We're always considering alternatives for financing, including actively managing liquidity risks and strengthening its long-term capital structure. We have placed bonds for 2.5 M dollars on the Kazakhstan Stock Exchange, it was the first touch to become a public company.
Guarantees for investors
All loan originators on the Robo.cash platform are entities related to the UnaFinancial Group, meaning they are closely monitored and fully supported by the ultimate holding company. The overarching financial strength and proven group oversight are designed to enhance stability and protect the interests of investors.
Our track record shows consistent payouts with no delays past the Buyback guarantee, and not a single case of defaulted loans for investors. And we are working hard to keep it that way.
ABOUT PLATFORM PRODUCT DEVELOPMENT
Updates on UX & new features
Certain planned initiatives, such as launching a mobile application, have been canceled to give way to other strategic tasks appealing to a wider audience.
In these years we have been making improvements to the interface and we see many of our investors appreciate it. For example, we introduced a Statistics page for the account that many had asked for, improved the deposits page, and added two more ways to manage your earnings for better flexibility. We also added a One-click portfolio for easier portfolio management.
This year we revamped the website and the logo to reflect the current state of the platform and its values. The next big step will be to finish the redesign and introduce the new account.
The presentation for the webcast can be found here.
Thanks again for all the questions and comments. If you have anything else to ask or want to share feedback, please write to us at [email protected].
