Press Releases

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4finance Holding S.A. reports results for the twelve months ending 31 December 2023

29 February 2024. 4finance Holding S.A. (the ‘Group’ or‘4finance’), one of Europe’s largest digital consumer lending groups, todayannounces unaudited consolidated results for the twelve months ending 31 December2023 (the ‘Period’).

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4finance adds Philippines business as a Guarantor, cancels EUR 15m of 2028 bonds

21 December 2023. 4finance Holding S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, today announces that it has added its Philippines business as a Guarantor of its bonds and cancelled EUR 15 million of its 2028 bonds. The Group committed to these actions as part of its recent bond refinancing, for which all related activities have now been completed.

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4finance EUR 2025 bond refinancing process complete

5 December 2023. 4finance Holding S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, today announces the completion of its EUR 2025 bond refinancing process, including extension of the maturity to May 2028. The Terms and Conditions of those EUR bonds were formally amended on 5 December and are available on the Group’s Bonds in Issue page.

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4finance Holding S.A. reports results for the nine months ending 30 September 2023

14 November 2023. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the nine months ending 30 September 2023 (the ‘Period’).

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4finance EUR 2025 bondholders approve refinancing

27 October 2023. 4finance Holding S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, today announces results of its recent bondholder vote. The resolution, which included extending the maturity of its EUR 2025 bonds to May 2028, was successfully passed. On Monday 30 October, the deed signed by the Notary will be filed with the German Federal Gazette and published on the Group's website.

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4finance launches EUR 2025 bond refinancing

2 October 2023. 4finance Holding S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, announces it has commenced the formal process to extend the maturity of its February 2025 bonds to May 2028. The invitation to vote on the amendments to the terms and conditions of the bonds has been published today in the German Federal Gazette and on the Group’s website, alongside other supporting documents.

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4finance Holding S.A. reports results for the six months ending 30 June 2023

30 August 2023. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the six months ending 30 June 2023 (the ‘Period’).

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4finance Holding S.A. reports results for the three months ending 31 March 2023

18 May 2023. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the three months ending 31 March 2023 (the ‘Period’).

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4finance Holding S.A. reports results for the twelve months ending 31 December 2022

28 February 2023. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the twelve months ending 31 December 2022 (the ‘Period’).

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4finance Holding S.A. reports results for the nine months ending 30 September 2022

21 November 2022. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the nine months ending 30 September 2022 (the ‘Period’).

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4finance Holding S.A. Reports Results for the Six Months Ending 30 June 2022

4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the six months ending 30 June 2022 (the ‘Period’).

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4finance Holding S.A. Reports Results for the Three Months Ending 31 March 2022

4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the three months ending 31 March 2022 (the ‘Period’). 

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4finance expands to South-East Asia with Philippines acquisition

4finance Holding S.A. (the “Group”), one of Europe’s largest online and mobile consumer lending groups has expanded to South-East Asia with the acquisition of Online Loans Pilipinas Financing, Inc. (OLP).

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4finance credit rating update

4finance Holding S.A. (the “Group”), one of Europe’s largest online and mobile consumer lending group, notes the change in its credit rating issued by Standard & Poor’s (S&P) earlier today. S&P lowered its long term issuer credit rating from “B” to “B-” following the sale of the Group’s Polish business to local management. 

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4finance announces management buyout of Vivus Poland

4finance Holding S.A.(the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, has sold its Polish business to local management.

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4finance announces completion of Vera Boiko’s divestment

4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, announces that its former largest beneficial owner has completed her divestment.

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4finance update on business, shareholders and governance

21 March 2022. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, provides the following update on its business, shareholders and governance.

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The war on Ukraine

Riga 3/3/2022. The invasion of Ukraine has shocked people throughout 4finance. Many of our markets are in eastern Europe – from the Baltics and the Czech Republic to Bulgaria and Romania – and we feel deeply saddened by these events.

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4finance Holding S.A. Reports Results for the year ending 31 December 2021

4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the twelve months ending 31 December 2021 (the ‘Period’).

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4finance EUR 2025 bond put option notification

4finance S.A. (“4finance” or the “Company”) notifies investors that it has published a put option notice in respect of its 11.25% EUR 2025 bonds, as per the Terms and Conditions amended in August 2021. Upon request from investors the Company may repurchase up to a total of EUR 15 million of the EUR 2025 bonds at par.

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4finance Holding S.A. reports results for the nine months ending 30 September 2021

4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the nine months ending 30 September 2021 (the ‘Period’).

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4finance prices new EUR 175 million five year bond issue

4finance S.A. (“4finance” or the “Company”) announces the pricing of its new EUR 175 million five year senior unsecured bond issue at par with a 10.75% coupon, maturing October 2026. The proceeds from the new issue will be used to repay the Company’s outstanding USD 200 million bonds.

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4finance S.A. announces fixed income investor meetings

6 October 2021. 4finance S.A. (“4finance” or the “Company”) has mandated ABG Sundal Collier AB and Stifel Nicolaus Europe Limited as Joint Global Coordinators and Bookrunners, and BCP Securities LLC as Lead Manager, to arrange a series of fixed income investor meetings, commencing on Monday 11 October 2021.

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4finance Holding S.A. reports results for the six months ending 30 June 2021

27 August 2021. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the six months ending 30 June 2021 (the ‘Period’)

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4finance EUR bond refinancing process complete

24 August 2021. 4finance Holding S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, today announces the completion of its EUR bond refinancing process, including extension of the maturity to February 2025.

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4finance EUR bondholders approve refinancing

16 July 2021. 4finance Holding S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, today announces results of its recent EUR bondholder vote. The resolution, which included extending the maturity of the EUR bonds by 3 years to February 2025, was successfully passed. Later today, the deed signed by the Notary will be filed with the German Federal Gazette and published on the Group's website.

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4finance launches EUR bond refinancing

21 June 2021. 4finance Holding S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, announces it has begun the formal process to amend the terms and conditions of its EUR 2022 bonds. The notice of invitation to vote on a 3-year extension to the maturity, to February 2025, has been published today in the German Federal Gazette and on the Group’s website.

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4finance cancels $125 million of its USD 2022 bonds

7 June 2021. 4finance Holding S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, announces that it has cancelled $125 million of its USD 2022 bonds that were previously held in treasury. This represents over a third of the original issue, leaving $200 million of USD 2022 bonds outstanding.

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4finance Holding S.A. reports results for the three months ending 31 March 2021

18 May 2021. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the three months ending 31 March 2021 (the ‘Period’).

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4finance Holding S.A. reports results for the year ending 31 December 2020

26 February 2021. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the twelve months ending 31 December 2020 (the ‘Period’).

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4finance credit rating update

2 December 2020. 4finance Holding S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, notes the change in its credit rating issued by Standard and Poor’s (S&P) last week.

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4finance announces senior management promotions

24 November 2020. 4finance Group S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, announces the appointment of James Etherington as Group CFO and Marek Kujawa as Group CRO, effective 1 December 2020.

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4finance Holding S.A. Reports Results for the nine months ending 30 September 2020

20 November 2020. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the nine months ending 30 September 2020 (the ‘Period’).

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4finance announces the return of Kieran Donnelly as Group CEO

18 September 2020. 4finance Group S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, announces the appointment of Kieran Donnelly as Group CEO, effective 1 October 2020. Oyvind Oanes is to leave the Group by mutual agreement at the end of September.

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4finance Holding S.A. reports results for the six months ending 30 June 2020

28 August 2020. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the six months ending 30 June 2020 (the ‘Period’).

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4finance EUR bond amendment process complete

25 August 2020. 4finance Holding S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, today announces the completion of its EUR bond amendment process to extend the maturity to February 2022.

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4finance EUR bondholders approve maturity extension

20 July 2020. 4finance Holding S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, today announces the results of its recent EUR bondholder vote. The resolution to extend the maturity of the EUR bonds by 9 months to February 2022 was successfully passed. The deed signed by the Notary will be submitted to the German Federal Gazette and published on the Group’s website later today.

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4finance commences process to extend EUR 2021 bond maturity

29 June 2020. 4finance Holding S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, announces it has commenced the formal process to amend the terms & conditions of its EUR 2021 bonds.

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4finance Holding S.A. Reports Results for the three months ending 31 March 2020

29 May 2020. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the three months ending 31 March 2020 (the ‘Period’).

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4finance Covid-19 update

3 April 2020. 4finance Holding S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, provides the following update on the impact of Covid-19 on its business and its response.

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4finance Holding S.A. reports results for the year ending 31 December 2019

28 February 2020. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the twelve months ending 31 December 2019 (the ‘Period’).

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4finance Holding S.A. reports results for the nine months ending 30 September 2019

13 November 2019. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the nine months ending 30 September 2019 (the ‘Period’).

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4finance Holding S.A. reports results for the six months ending 30 June 2019

29 August 2019. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the six months ending 30 June 2019 (the ‘Period’).

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4finance announces changes to its supervisory board

8 July 2019. 4finance Group S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, announces the changes to its supervisory board.

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4finance passes €7 billion online lending milestone

18 June 2019. 4finance Holding S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, announces that it has issued more than €7 billion in online loans since the Group was established in 2008.

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4finance Holding S.A. reports results for the three months ending 31 March 2019

28 May 2019. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the three months ending 31 March 2019 (the ‘Period’).

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4finance Holding S.A. reports results for the year ending 31 December 2018

27 February 2019. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the twelve months ending 31 December 2018 (the ‘Period’)

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4finance announces change of auditor

18 February 2019. 4finance Holding S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, announces the appointment of PKF Audit & Conseil, a member of the PKF International network, as its auditor. The appointment follows a tender process to replace KPMG, who had audited the group (and its predecessor Latvian holding company) since the business started 10 years ago.

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4finance Holding S.A. reports results for the nine months ending 30 September 2018

14 November 2018. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the nine months ending 30 September 2018 (the ‘Period’).

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4finance passes €6 billion online lending milestone

24 October 2018. 4finance Holding S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, announces that it has issued more than €6 billion in online loans since the Group was established in 2008.

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4finance Holding S.A. reports results for the six months ending 30 June 2018

29 August 2018. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the six months ending 30 June 2018 (the ‘Period’).

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4finance Group announces Oyvind Oanes as incoming Group CEO

26 June 2018. 4finance Group S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, announces the appointment of Oyvind Oanes as Group CEO from 1 August 2018. A proven consumer finance leader, Oanes succeeds Mark Ruddock, who will return to the Group’s supervisory board after his agreed term as CEO

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4finance Group appoints Gustavo Santillan as Spanish country manager

21 June 2018. 4finance Group S.A. (the “Group”), one of Europe’s largest digital consumer lending groups, has appointed Gustavo Santillan as country manager of its Spanish business.

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4finance Holding S.A. reports results for the three months ending 31 March 2018

24 May 2018. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), one of Europe’s largest digital consumer lending groups, today announces unaudited consolidated results for the three months ending 31 March 2018 (the ‘Period’).

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4finance Holding S.A. Reports results for the year ending 31 December 2017

28 February 2018. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), Europe’s largest mobile consumer lending group, today announces unaudited consolidated results for the twelve months ending 31 December 2017 (the ‘Period’).

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4finance reports results for the nine months ending 30 September 2017

21 November 2017. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), Europe’s largest online and mobile consumer lending group, today announces unaudited consolidated results for the nine months ending 30 September 2017 (the ‘Period’)

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4finance welcomes credit rating upgrade

6 October 2017. 4finance Holding S.A. (the “Group”), Europe’s largest online and mobile consumer lending group, welcomes the upgrade of its long-term corporate family and issuer ratings to B2 from B3 by Moody’s Investor Service (“Moody’s”).

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4finance achieves coveted 5* Trustpilot rating in Denmark and Poland with an average score of 9.4 across four products

6 June 2017. 4finance Group S.A. (the “Group”), Europe’s largest online and mobile consumer lending group, has achieved of an average 9.4 rating from nearly 4,000 reviewers from Denmark and Poland.

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4finance further enhances corporate governance framework

4 October 2017. 4finance Group S.A. (the “Group”), Europe’s largest online and mobile consumer lending group, announces the appointment of a new Chairman as well as changes to the committee structure of its Supervisory Board

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4finance reports results for the six months ending 30 June 2017

29 August 2017. 4finance Holding S.A. (the ‘Group’ or ‘4finance’), Europe’s largest online and mobile consumer lending group, today announces unaudited consolidated results for the six months ending 30 June 2017 (the ‘Period’)

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4finance announces management and board changes

30 June 2017. 4finance Group S.A. (the “Group”), Europe’s largest online and mobile consumer lending group, announces changes to its executive management and supervisory board.

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