Dialog Finance PLC, a leading Sri Lankan fintech, reported a strong financial performance for the year ended 31 December 2025, with operating income more than doubling to Rs. 2.3 billion, a 107% year-on-year growth driven by scalable, technology-led business models.
Operating profit grew by 277% to reach Rs. 834 million, reflecting strong core momentum, disciplined execution, and improved margins. Growth was primarily supported by structured fee income from embedded lending and digital payments, alongside steady improvements in net interest margins.
Total assets expanded by 62% to Rs. 11.9 billion, while the net loan book grew by 77% to Rs. 9.1 billion. Net interest income rose by 72% to Rs. 1.3 billion. Deposits grew by 46% to Rs. 5.8 billion, resulting in a Profit After Tax of Rs. 159.7 million, compared to a loss of Rs. 41.1 million in the corresponding period.
Commenting on the company’s performance, Dialog Finance PLC Chairperson and Dialog Axiata PLC Chief Digital Services Officer Renuka Fernando stated: “FY2025 marks a pivotal year for Dialog Finance, delivering a strong turnaround while deepening our commitment to financial inclusivity. Through digital-first platforms and embedded finance, we are expanding access to formal financial services for individuals and MSMEs across Sri Lanka. As part of the Dialog Group, we remain focused on building a resilient, technology-enabled financial ecosystem that drives sustainable, responsible growth.”
During the year, Dialog Finance further strengthened its digital ecosystem by introducing doorstep fulfillment for instalment-based consumer solutions, expanding payment acceptance with guaranteed MSME lending, and partnering with UnionPay to scale innovative, globally aligned payment solutions.
Commenting on the performance, Dialog Finance PLC Director and CEO Nazeem Mohamed, stated that the results reflect disciplined execution, advanced data-driven credit decisioning, and a strong focus on customer-centric digital solutions. He added that the company will continue to pursue focused, technology-enabled growth while maintaining prudent risk management.