Singapore-based Atome Financial, the digital financial services platform comprising buy-now-pay-later service (BNPL) Atome, Atome Card, and Indonesia’s Kredit Pintar, reported revenue of $470 million for the year ended December 31, 2025, up 80 percent year-on-year.

In a statement on Thursday, Atome Financial said its total operating income reached $360 million, up 52 percent from 2024.

The platform processed more than $4 billion in gross merchandise volume (GMV) in 2025, up more than 60 percent year-on-year, and achieved profitability before tax for the second consecutive year, Atome Financial added.

Growth has continued into 2026. As of June 2026, annualized net revenue reached $800 million, up 55 percent year-on-year, with annualized GMV crossing $6 billion, up 64 percent year-on-year.

In the Philippines, Atome’s PayLater Anywhere Card crossed 3 million cards issued as of June 2026. The card also launched in Malaysia in early 2026. The company secured a PHP5 billion ($81 million) facility with lender Asia United Bank (AUB) in the Philippines, adding a local currency line to its funding base, alongside an upsized $345 million syndicated facility announced earlier in 2026 to support regional growth across Southeast Asia.

Atome Financial is part of Singapore-headquartered Advance Intelligence Group, backed by SoftBank Vision Fund 2, Warburg Pincus, Northstar, and EDBI. Its institutional funding partners include Standard Chartered, HSBC, Bank Jago, DBS Bank, SMBC, BlackRock, Evolution X Capital, and InnoVen Capital.

Atome Philippines secures $81M credit facility from Asia United Bank to expand PayLater card