Atome Financial’s operating income up 63% to $236m in 2024

As of Q2 2025, annualised net revenue has surpassed $500m, it said.

Atome Financial reported an operating income of $236m for the fiscal year that ended in December 2024.

This is a 63% increase compared to the previous fiscal year, according to the digital financial services platform, which operates buy now pay later (BNPL), Atome Card, and Kredit Pintar services.

Atome processed $2b in gross merchandising volume (GMV) in 2024, up 50% year-on-year, on strong merchant partnership and expanding consumer adoption, it said in a press release.

At end Q2 2025, annualised net revenue has surpassed $500m, the company said.

Atome Financial credited the higher income to its product diversification, such as expansion of insurance, savings, cards, and lending offerings.

It also credited it to robust capital support from global and regional institutional partners, including BlackRock, EvolutionX, Innoven Capital, CLSA’s Lending Ark, and an expanded syndicated credit facility led by HSBC with participation from DBS, SMBC, and Baiduri Bank.