H1 2026 key results:<\/b> <\/p>\n “In 2022, the Philippines became a magnet for fintech start-ups from around the world due to the clear gap between demand for accessible credit and its supply,” said Arsen Liametov, co-founder of Skyro.<\/b> “On one side were traditional banks offering low-interest loans only to the most affluent segments of the population. On the other were payday lenders charging annualised rates of up to 400%. We chose to position ourselves between these extremes, targeting the largest and most underserved segment of the market, and we built the model from day one to be scalable well beyond a single country.” <\/p>\n Skyro uses AI-based alternative credit-scoring methods to assess the creditworthiness of individuals who lack a formal credit history, analysing factors such as online purchase history, smartphone usage data, and in-app behaviour. This approach enables the company to build a holistic picture of an individual’s credit profile and to extend loans to customers who would otherwise be excluded by traditional banks. <\/p>\n The Philippines remains a challenging market for international fintech lenders, as conventional credit-scoring models often fail to capture the creditworthiness of large segments of the population. Skyro’s AI-based approach to credit assessment has enabled it to become an exception in that market. <\/p>\n “Reaching operational break-even is an important milestone for Skyro,” said Liametov.<\/b> “It’s what allows us to fund capital-intensive products like SkyroCredit, plan the launch of complementary fintech offerings, including investment technology solutions and SME lending, and expand into new markets.” <\/p>\n Skyro is now applying the same approach beyond the Philippines, expanding its presence across the GCC and South-East Asia. As digital lending continues to disrupt markets where financial regulation remains conservative, Skyro aims to replicate its three-year path to break-even through its scalable lending platform and technology infrastructure. <\/p>\n Across these markets, large segments of the population and small businesses remain outside the formal financial system. That gap is central to Skyro’s growth thesis: as these markets become digitalised, lenders that integrate with existing financial infrastructure, rather than building parallel systems to compete with it, are best positioned to scale. <\/p>\n *Operating profit is profit after all operating expenses, including general and administrative expenses, before foreign-exchange gains or losses and income tax. Figures are based on unaudited management accounts.<\/i> <\/p>\n Hashtag: #Skyro <\/p>\n The issuer is solely responsible for the content of this announcement.<\/p>\n\n Skyro is a high-growth, digital-first fintech group providing scalable, responsible access to finance across high-potential emerging markets. Powered by proprietary data science, AI-driven credit decisioning and alternative-data scoring, the company combines a mobile-native experience with a modular fintech architecture to serve underserved customer segments at scale. <\/p>\n By 2026, Skyro’s registered user base has grown to 7 million users in the Philippines, underpinned by a robust credit portfolio exceeding $200 million. The company’s strategic ambition is to establish itself as a leading provider of diversified financial services across dozens of emerging markets worldwide. <\/p>\n <\/p>\n <\/p>\n\n
About Skyro<\/h4>\n
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Digital consumer finance group reports positive operating profit for the first half of 2026 as it prepares to expand across the GCC and South-East Asia <\/i><\/h4>\n