In the second quarter of 2025, the annualised revenue exceeded USD$500M due to the acceleration of growth.
Singapore, September 16, 2025 — Atome Financial, Southeast Asia’s leading digital financial services platform – comprising Atome’s Buy-Now-Pay-Later (BNPL), Atome Card and Kredit Pintar – today announced record audited results for the year ended 31 December 2024, achieving both strong growth and profitability.
Operating income increased by 63% year over year to US$236 million, and the company achieved full-year profitability. This performance is indicative of the company’s capacity to scale responsibly in a challenging macroeconomic environment, operational efficiency, and disciplined execution.
In 2024, Atome processed over US$2 billion in Gross Merchandise Volume (GMV), a 50% increase from the previous year. This growth was facilitated by the expansion of consumer adoption and the establishment of strong merchant partnerships. This expansion continues to accelerate. Annualised net revenue exceeded US$500 million by the conclusion of Q2 (April-June) 2025, as annualised GMV exceeded US$4 billion.
Key Performances Drivers:
- Product diversification: Expansion of insurance, savings, cards, and lending offerings. In the Philippines, Atome PayLater Anywhere Card adoption accelerated, with the total number of cards issued crossing 1.5 million as of June 2025.
- Operational excellence: Streamlined processes, strong core business focus, and rapid deployment of Generative AI to enhance customer service, collections, and credit underwriting.
- Robust capital support: Strengthened funding base from global and regional institutional partners, including BlackRock, EvolutionX, Innoven Capital, CLSA’s Lending Ark, and an expanded syndicated credit facility led by HSBC with participation from DBS, SMBC, and Baiduri Bank.
Jefferson Chen, CEO of Atome Financial, stated, “Atome Financial’s record performance in 2024 and 1H2025 reaffirms the strength of our ‘wallet’ platform and our ability to grow sustainably while delivering real value to consumers and partners. Since Day One, our mission has been to improve lives through greater financial access and technology. With a profitable BNPL business, a growing Atome Card franchise and broadening funding partnerships, we are well-positioned to shape the next phase of financial inclusion in Southeast Asia.”
