Atome Financial hits second year of profit as revenue surges 80%

Total operating income rose 52% in 2025. 

Atome Financial said that it achieved full-year profitability for the second consecutive year with revenue rising 80% in 2025.

Revenue is $470m, up 80% year-on-year (YoY), whilst total operating income is $360m, a 52% YoY jump from 2024.

The credit service provider said that growth was thanks to loan book expansion, merchant partnerships, new product rollouts, and operational efficiency attributed to artificial intelligence (AI).

Atome said it processed over $4b in gross merchandise value (GMV) in 2025, up over 60% YoY.

As of June 2026, annualised GMV has crossed $6b, whilst annualised net revenue was $800m—up 64% and 55%, respectively.

Atome Financial provides buy now pay later (BNPL) and card services. It operates the Indonesian digital lending platform Kredit Pintar.

In the Philippines, Atome said that it has issued 3 million PayLater Anywhere card as of June 2026.