<a href="https://www.advancegroup.com/business-units/atome-financial">Atome Financial</a>, Southeast Asia’s leading digital financial services platform – comprising Atome’s Buy-Now-Pay-Later (<a title="" class="aalmanual" target="_blank" href="https://www.atome.my/">BNPL</a>), Atome Card and <a title="" class="aalmanual" target="_blank" href="https://help.atome.my/hc/ms-my/articles/4405623570585-berapakah-had-kredit-saya">Kredit</a> Pintar – today announced record audited results for the year ended 31 December 2024, achieving both strong growth and profitability. Operating income rose 63% year-on-year to US$236 million, while recording  full-year profitability. This performance reflects the company’s disciplined execution, operational efficiency, and ability to scale responsibly in a challenging macroeconomic environment.



Atome processed over US$2 billion in Gross Merchandise Volume (GMV) in 2024, up 50% year-on-year, driven by strong merchant partnerships and expanding consumer adoption. This growth continues to accelerate. At end Q2 (April-June) 2025, annualised net revenue surpassed US$500M, driven by annualised GMV crossing US$4 billion. Key performance drivers include: a) Product diversification: Expansion of insurance, savings, cards, and lending offerings. In the Philippines, <a title="" class="aalmanual" target="_blank" href="https://www.atome.my/">Atome PayLater</a> Anywhere Card adoption accelerated, with the total number of cards issued crossing 1.5 million as of June 2025. b) Operational excellence: Streamlined processes, strong core business focus, and rapid deployment of Generative AI to enhance customer service, collections, and credit underwriting. c) Robust capital support: Strengthened funding base from global and regional institutional partners, including <a href="https://www.advancegroup.com/media/356">BlackRock, EvolutionX, Innoven Capital</a>, <a href="https://www.advancegroup.com/media/366">CLSA’s Lending Ark</a>, and an <a href="https://www.advancegroup.com/media/348">expanded syndicated credit facility</a> led by HSBC with participation from DBS, SMBC, and Baiduri Bank.



“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,” said Jefferson Chen, CEO of Atome Financial. About Atome Financial <a href="https://www.advancegroup.com/business-units/atome-financial">Atome Financial</a> is Southeast Asia’s leading digital finance platform. It comprises Atome, the region’s largest embedded financing provider that also offers cards, insurance, savings and lending, and Kredit Pintar. Atome Financial&#8217;s market leadership is backed by institutional funding partners including Standard Chartered, HSBC, Bank Jago, DBS Bank, SMBC, BlackRock, Evolution X Capital, InnoVen Capital and many others. Atome Financial is part of Singapore-headquartered Advance Intelligence Group, which is backed by top tier investors SoftBank Vision Fund 2, Warburg Pincus, Northstar, and Singapore-based global investor EDBI.

Atome Financial posts record US$236M operating income, marks full-year profit in 2024

<a href="https://www.advancegroup.com/business-units/atome-financial">Atome Financial</a>, Southeast Asia’s leading digital financial services platform, comprising Atome buy-now-<a title="" class="aalmanual" target="_blank" href="https://www.atome.my/">pay later</a> (BNPL) and <a title="" class="aalmanual" target="_blank" href="https://help.atome.my/hc/ms-my/articles/4405623570585-berapakah-had-kredit-saya">Kredit</a> Pintar, one of Indonesia&#8217;s foremost digital lending platforms, announced today its exceptional financial performance for the full year of 2023.&nbsp; The company&#8217;s unaudited statement from January to December 2023 showcases a remarkable achievement, with operating income nearly doubling to US$170 million, marking an impressive jump from the previous year&#8217;s US$88 million.



In addition to this notable growth trajectory, Atome Financial achieved another significant milestone in the first quarter of 2024 by turning EBITDA positive, demonstrating the company&#8217;s strategic prowess and sound financial management.



One of the standout successes for Atome Financial lies in the profitability of its BNPL business, Atome.&nbsp; With GMV (Gross Merchandise Volume) of nearly US$1.5 billion processed in 2023 – a 40% increase from the preceding year despite significant cost rationalisation and macro headwinds – Atome BNPL turned profitable, thanks to a 130% surge in revenue.



The journey to achieving this significant milestone can be attributed to several key factors:



a)&nbsp;Laser-focused operational efficiency:&nbsp;Disciplined operational execution, streamlining processes and relentless focus on core business fundamentals to maximise profitability.



b)&nbsp;Expansion of regional commercial partnerships:&nbsp;Strategic collaborations with leading regional ecommerce platforms such as TikTok Shop and Lazada, alongside forging new partnerships like Chubb, played a pivotal role in expanding Atome&#8217;s revenue and user growth.



c)&nbsp;Expansion and diversification into broader digital financial services:&nbsp;New product launches include the <a title="" class="aalmanual" target="_blank" href="https://www.atome.my/">Atome PayLater</a> Anywhere Card in the Philippines and Atome Cash loans in both the Philippines and Indonesia, diversifying its product offerings and leveraging the company’s unique knowledge of local markets and expertise in risk-managed credit and underwriting.&nbsp;



d)&nbsp;Solid capital base:&nbsp;Strong support from shareholders and capital partners which validate Atome’s regional platform value and operational excellence, enabling Atome to continue to innovate and scale profitably.&nbsp;



Atome Financial&#8217;s exceptional performance underscores the company&#8217;s resilience, adaptability, and unwavering dedication towards its mission of providing consumers with easier, simpler, and more affordable access to digital-first financial services, leveraging world-class risk management and underwriting technology, coupled with disciplined operational execution.

atome

Atome Financial posts record US$236M operating income, marks full-year profit in 2024

Atome Financial’s full-year operating income doubles to US$170M in 2023, turns profitable in Q1 2024

Explore Atome Financial's astounding growth: US$170M operating income in 2023, Q1 2024 profitability, and pivotal milestones driving Southeast Asia's fintech revolution.