Ukraine's top 5 microlending companies earned UAH 7.55 billion in income in half a year – Experts Club
The largest companies in the Ukrainian non-bank consumer lending market significantly increased their revenues in the first half of 2026. The combined income from financial services of the five largest players in the segment reached UAH 7.55 billion, which is 24.5% more than in January–June 2025, as calculated by the analytical center Experts Club on the basis of reporting by the National Bank of Ukraine. When compiling the ranking, Experts Club took into account companies…
The largest companies in the Ukrainian non-bank consumer lending market significantly increased their revenues in the first half of 2026. The combined income from financial services of the five largest players in the segment reached UAH 7.55 billion, which is 24.5% more, than in January–June 2025, as calculated by the analytical center Experts Club on the basis of reporting by the National Bank of Ukraine.
When compiling the ranking, Experts Club took into account companies whose main line of business is the issuance of consumer and short-term non-bank loans. Therefore, the leasing companies “OTP Leasing” and “ULF-Finance,” which are included in the NBU's overall ranking, were not included in the microlending ranking.
First place goes to “Ukr Credit Finance,” which operates under the CreditKasa brand. The company's income from financial services in the first half reached UAH 1.977 billion versus UAH 1.871 billion a year earlier. The growth was about 5,7%. The company's net profit reached UAH 172.6 million versus UAH 68.1 million in the first half of 2025, that is, it increased by roughly 2.5 times.
In second place is LLC “Spozhyvchyi Tsentr” (trademark “ShvydkoHroshi”) with income of UAH 1.504 billion. A year earlier this figure was UAH 1.032 billion, so the growth reached 45,8%. At the same time, the company became the largest by net profit among the leading microlenders – UAH 361.3 million versus UAH 186.1 million a year earlier.
Third place goes to the financial company “Ye Hroshi” with income of UAH 1.482 billion, which is 34.7% more, than the figure for the first half of 2025 – UAH 1.100 billion.
In fourth place is “Aventus Ukraine,” which operates under the CreditPlus brand. The company increased its income from UAH 1.169 billion to UAH 1.413 billion, or by approximately 20,9%. CreditPlus's net profit almost doubled – from UAH 128.3 million to UAH 233.4 million.
Fifth place goes to Miloan with income of UAH 1.172 billion versus UAH 893.4 million in the same period last year. Thus, the company increased this indicator by approximately 31,2%.
The ranking of the largest microlending companies by income for January–June 2026 looks as follows:
CreditKasa – UAH 1.977 billion, +5.7% year on year
“ShvydkoHroshi” – UAH 1.504 billion, +45,8%
“Ye Hroshi” – UAH 1.482 billion, +34,7%
CreditPlus – UAH 1.413 billion, +20,9%
Miloan – UAH 1.172 billion, +31,2%
The combined income of these five grew from UAH 6.07 billion to UAH 7.55 billion.
Three more notable players in online lending made it into the top ten of all financial companies in Ukraine by income from financial services. MyCredit received UAH 1.071 billion, which is 4% less than a year earlier, Credit7 – UAH 1.012 billion, or 6.8% more. “Bizpozyka,” which specializes, among other things, in lending to entrepreneurs and small business, increased its income at once by 91.7% – to UAH 1.066 billion.
Thus, a significant share of Ukraine's largest non-bank financial companies by income is today tied precisely to lending to individuals and small business.
Experts Club notes that the results of the first half indicate not only a recovery of the non-bank lending market after the shock of the first years of the full-scale war, but also its further concentration around a few large digital brands.
The difference in growth rates is particularly telling. CreditKasa remains the largest company by absolute amount of income, but among the top five the fastest growth in the first half was shown by “ShvydkoHroshi,” “Ye Hroshi” and Miloan. This means that the gap between the market leaders is gradually narrowing.
At the same time, income growth should be assessed together with profitability. For example, “ShvydkoHroshi,” with income of about UAH 1.5 billion, received UAH 361.3 million of net profit, whereas CreditKasa, with almost UAH 2 billion of income, earned UAH 172.6 million. CreditPlus, with income of UAH 1.41 billion, received UAH 233.4 million of profit.
In total, the NBU's reporting for the first half of 2026 presents 381 financial companies versus 422 a year earlier. 318 companies made a profit, and their combined financial result amounted to UAH 10.8 billion versus UAH 8.7 billion in the same period of 2025.
Another 64 financial companies ended the half-year with losses totaling UAH 245.5 million.
In the view of Experts Club, the market dynamics point to two parallel processes: demand for quick non-bank loans remains high, and the sector itself is becoming larger and financially more resilient, despite the reduction in the total number of operating financial companies.
Going forward, the key factors for the market will be the cost of acquiring customers, the level of problem debt, the regulation of the maximum cost of consumer loans, and the ability of companies to retain borrowers amid growing competition from banks' digital lending products.
Data source: statistics of the National Bank of Ukraine for the first half of 2026, published in the NBU's supervisory statistics section.