Billease’s FY2025 results mark another milestone for the Philippine consumer finance platform as it continues to combine rapid expansion with sustained profitability.
The company reported audited revenue of US$151.2 million, up more than 80% from the previous year, while net profit rose to US$13.6 million.
The strong financial performance comes as Billease prepares for its next phase of growth following its acquisition of Rural Bank of Sta. Maria.
With plans to introduce banking products alongside its existing lending services, the company is positioning itself to become a broader digital financial services provider while maintaining disciplined lending practices.
Billease expands revenue and customer base
Billease recorded robust growth across key business metrics in FY2025. Alongside its revenue increase, the company’s gross loan book expanded by more than 77% to US$212.1 million, while total assets reached US$233.5 million.
The platform is also onboarding more than 100,000 new users each month.
Billease co-founder and CEO Georg Steiger said the company’s growth was driven by strong customer acquisition and increasing repeat usage among existing borrowers.
The continued demand for structured and affordable credit reflects the growing need for accessible financial services, particularly among Filipinos seeking flexible financing options.
Billease also delivered a 6.8% return on assets, demonstrating that profitability has remained intact despite significant business expansion. This places the company in a favorable position as many digital lenders and financial technology firms continue working toward sustainable earnings.
Profitable growth supports expansion plans
Georg Steiger (left), co-founder and CEO of Billease, together with his team. (IMAGE CREDIT: Billease)
Rather than relying heavily on external fundraising, Billease said it funded much of its expansion through operating profits.
During the year, the company invested in strengthening its nationwide sales network, expanding merchant partnerships, and increasing marketing efforts to reach more consumers.
The strategy reflects Billease’s focus on balancing growth with financial discipline. Instead of prioritizing rapid expansion at the expense of profitability, the company continues to reinvest earnings into initiatives that support long-term business development.
Its financial position also remained solid following its 2024 Series C funding round.
As of the end of FY2025, Billease reported US$109.4 million in total equity, including US$82.9 million in paid-in capital and US$26.6 million in retained earnings. The near-doubling of retained earnings from the previous year provides additional capital to support future loan growth without significantly increasing external financing requirements.
Banking ambitions backed by strong credit performance
As Billease grows, maintaining credit quality remains a key priority.
The company said its proprietary underwriting models —refined through millions of lending decisions over the past eight years — enabled it to expand lending while keeping risk levels within historical ranges.
This disciplined approach supports Billease’s transition into banking following its acquisition of Rural Bank of Sta. Maria in 2025.
The company is preparing to launch digital-first banking services that will complement its consumer finance platform with savings and deposit products.
Adding banking services is expected to strengthen Billease’s funding profile while lowering its cost of capital over time. With a broader range of financial products, the company aims to deepen customer relationships and create a more integrated digital finance ecosystem that extends beyond buy now, pay later and consumer lending.
What comes next for Billease
Billease’s FY2025 performance demonstrates how sustained profitability can support long-term expansion in the Philippine fintech sector.
Strong revenue growth, consistent credit performance, and disciplined capital management have positioned the company to pursue its next strategic milestone as it prepares to enter digital banking.
As Billease broadens its product portfolio, its ability to combine responsible lending with banking services could strengthen its role in expanding financial access for underserved Filipinos while reinforcing its position in the country’s evolving digital finance landscape.
