According to Experts Club, the largest companies in Ukraine’s non-bank consumer lending market significantly increased their revenue in the first half of 2026. The combined revenue from financial services provided by the five largest players in the segment reached 7.55 billion UAH, which is 24.5% more than in January–June 2025, according to calculations by the Experts Club analytical center based on reports from the National Bank of Ukraine.
When compiling the ranking, Experts Club considered companies whose primary business is issuing consumer and short-term non-bank loans. Therefore, the leasing companies “OTP Leasing” and “ULF-Finance,” which are included in the NBU’s general ranking, were not included in the microcredit ranking.
First place goes to “Ukr Credit Finance,” which operates under the CreditKasa brand. The company’s revenue from financial services for the first half of the year reached 1.977 billion UAH, compared to 1.871 billion UAH a year earlier. This represents growth of approximately 5.7%. The company’s net profit reached 172.6 million UAH, compared to 68.1 million UAH in the first half of 2025, meaning it increased by approximately 2.5 times.
In second place is “Spozhyvchyi Tsentr” LLC (TM “ShvydkoGroshi”) with revenue of 1.504 billion UAH. A year earlier, this figure stood at 1.032 billion UAH, meaning growth reached 45.8%. At the same time, the company became the leader in net profit among leading microcredit providers—361.3 million UAH compared to 186.1 million UAH a year earlier.
Third place goes to FC “Ye Hroshi” with revenue of 1.482 billion UAH, which is 34.7% higher than the figure for the first half of 2025—1.100 billion UAH.
In fourth place is “Aventus Ukraine,” operating under the CreditPlus brand. The company increased its revenue from 1.169 billion UAH to 1.413 billion UAH, or by approximately 20.9%. CreditPlus’s net profit nearly doubled—from 128.3 million UAH to 233.4 million UAH.
Miloan ranks fifth with revenue of 1.172 billion UAH, compared to 893.4 million UAH for the same period last year. Thus, the company increased this figure by approximately 31.2%.
The ranking of the largest microcredit companies by revenue for January–June 2026 is as follows:
CreditKasa — 1.977 billion UAH, +5.7% year-over-year
“ShvidkoGroshi” — 1.504 billion UAH, +45.8%
“Ye Groshi”—1.482 billion UAH, +34.7%
CreditPlus—1.413 billion UAH, +20.9%
Miloan—1.172 billion UAH, +31.2%
The combined revenue of these five companies grew from 6.07 billion UAH to 7.55 billion UAH.
Three other notable online lending companies made it into the top ten of all financial companies in Ukraine by revenue from financial services. MyCredit earned 1.071 billion UAH, which is 4% less than a year earlier, while Credit7 earned 1.012 billion UAH, or 6.8% more. “Bizpozika,” which specializes, in particular, in lending to entrepreneurs and small businesses, increased its revenue by a whopping 91.7%—to 1.066 billion UAH.
Thus, a significant portion of Ukraine’s highest-revenue non-bank financial companies today are involved specifically in lending to individuals and small businesses.
Experts Club notes that the first-half results indicate not only the recovery of the non-bank lending market following the shock of the first years of full-scale war but also its continued concentration around a few major digital brands.
The difference in growth rates is particularly telling. CreditKasa remains the largest company in terms of absolute revenue, but “ShvidkoGroshi,” “Ye Groshi,” and Miloan grew the fastest among the top five in the first half of the year. This means that the gap between market leaders is gradually narrowing.
At the same time, revenue growth should be evaluated alongside profitability. For example, “ShvidkoGroshi,” with revenue of approximately 1.5 billion UAH, reported a net profit of 361.3 million UAH, while CreditKasa, with nearly 2 billion UAH in revenue, earned 172.6 million UAH. CreditPlus, with revenue of 1.41 billion UAH, reported a profit of 233.4 million UAH.
In total, the NBU’s report for the first half of 2026 includes 381 financial companies, compared to 422 a year earlier. A total of 318 companies reported profits, with their combined financial result amounting to 10.8 billion UAH, compared to 8.7 billion UAH for the same period in 2025.
Another 64 financial companies ended the half-year with losses totaling 245.5 million UAH.
According to Experts Club, market dynamics point to two parallel processes: demand for fast non-bank loans remains high, and the sector itself is growing and becoming more financially stable, despite a decline in the total number of active financial companies.
Going forward, key factors for the market will include the cost of customer acquisition, the level of non-performing loans, 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: National Bank of Ukraine statistics for the first half of 2026, published in the NBU’s supervisory statistics section.
NBU Statistics on the Nonbank Financial Market
