{"id":10028,"date":"2025-11-23T10:00:00","date_gmt":"2025-11-23T02:00:00","guid":{"rendered":"https:\/\/blog.atome.id\/?p=10028"},"modified":"2025-11-27T14:55:16","modified_gmt":"2025-11-27T06:55:16","slug":"atome-financial-posts-record-us236m-operating-income-marks-full-year-profit-in-2024","status":"publish","type":"post","link":"https:\/\/blog.atome.id\/en\/news\/atome-financial-posts-record-us236m-operating-income-marks-full-year-profit-in-2024","title":{"rendered":"Atome Financial posts record US$236M operating income, marks full-year profit in 2024"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.advancegroup.com\/business-units\/atome-financial\">Atome Financial<\/a>, Southeast Asia\u2019s leading digital financial services platform \u2013 comprising Atome\u2019s Buy-Now-Pay-Later (BNPL), Atome Card and Kredit Pintar \u2013 today announced record audited results for the year ended 31 December 2024, achieving both strong growth and profitability.<br><br>Operating income rose 63% year-on-year to <strong>US$236 million<\/strong>, while recording&nbsp; full-year profitability. This performance reflects the company\u2019s disciplined execution, operational efficiency, and ability to scale responsibly in a challenging macroeconomic environment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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.<br><br>This growth continues to accelerate. At end Q2 (April-June) 2025, <strong>annualised net revenue surpassed US$500M<\/strong>, driven by annualised GMV crossing US$4 billion.<br><br>Key performance drivers include:<br><br>a) <strong>Product diversification:<\/strong> 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.<br><br>b) <strong>Operational excellence<\/strong>: Streamlined processes, strong core business focus, and rapid deployment of Generative AI to enhance customer service, collections, and credit underwriting.<br><br>c) <strong>Robust capital support<\/strong>: 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\u2019s 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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cAtome Financial\u2019s record performance in 2024 and 1H2025 reaffirms the strength of our \u201cwallet\u201d 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,\u201d said Jefferson Chen, CEO of Atome Financial.<br><br><strong>About Atome Financial <br><\/strong><a href=\"https:\/\/www.advancegroup.com\/business-units\/atome-financial\">Atome Financial<\/a> is Southeast Asia\u2019s leading digital finance platform. It comprises Atome, the region\u2019s largest embedded financing provider that also offers cards, insurance, savings and lending, and Kredit Pintar.<em> <\/em>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.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Atome Financial, Southeast Asia\u2019s leading digital financial services platform \u2013 comprising Atome\u2019s Buy-Now-Pay-Later (BNPL), Atome Card and Kredit Pintar \u2013 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&nbsp; full-year profitability. This performance reflects the company\u2019s [&hellip;]<\/p>\n","protected":false},"author":200884933,"featured_media":10029,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","inline_featured_image":false,"_wpcom_ai_launchpad_first_post":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[1362],"tags":[1367,1993,5264],"class_list":["post-10028","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-atome","tag-buy-now-pay-later","tag-atome-card"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Atome Financial posts record US$236M operating income, marks full-year profit in 2024<\/title>\n<meta name=\"description\" content=\"Atome Financial, Southeast Asia\u2019s leading digital financial services platform \u2013 comprising Atome\u2019s Buy-Now-Pay-Later (BNPL), Atome Card and Kredit Pintar, Indonesia\u2019s leading digital lending platform \u2013 today announced record audited results for the year ended 31 December 2024, achieving both strong growth and profitability.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.atome.id\/en\/news\/atome-financial-posts-record-us236m-operating-income-marks-full-year-profit-in-2024\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:locale:alternate\" content=\"id_ID\" \/>\n<meta property=\"og:locale:alternate\" content=\"id_ID\" \/>\n<meta property=\"og:locale:alternate\" content=\"id_ID\" \/>\n<meta property=\"og:locale:alternate\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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