CarMoney H1 2026: NII growth accelerates to +22.2% y/y, net profit jumps +83.6%

CarMoney reported H1 2026 net interest income of 868.955 mln and net profit of 132.07 mln, up +22.2% and +83.6% y/y respectively. NII growth accelerated from +12.7% y/y in H2 2025 to +22.2% y/y in H1 2026, while net profit growth decelerated from +185.2% y/y in H2 2025 to +83.6% y/y in H1 2026 — still a strong absolute expansion. Equity rose to 5,621.308 mln from 5,134.15 mln a year earlier.

H1 2026 y/y growth (headline)

What drove the result

The +22.2% y/y increase in net interest income to 868.955 mln was the primary top-line driver, with the growth rate accelerating versus H2 2025 (+12.7% y/y). Net profit rose +83.6% y/y to 132.07 mln, a slower pace than the +185.2% y/y seen in H2 2025 but still a sharp improvement versus H1 2025 (+71.925 mln). Equity expanded to 5,621.308 mln from 5,134.15 mln at H1 2025, supporting the capital base. No segment-level breakdown or EBITDA was disclosed in the provided facts.

Key figures (mln)

Outlook

The re-acceleration in NII growth (+22.2% y/y vs +12.7% y/y in H2 2025) signals improving core revenue momentum, while net profit growth, though decelerating from the exceptional H2 2025 base, remains robust at +83.6% y/y. Equity growth of +9.5% y/y provides a cushion. No guidance, dividend update, consensus comparison, or share-price reaction was provided in the facts.

Watch for the sustainability of the NII acceleration into H2 2026 and whether net profit growth can hold above the prior-year run-rate; the absence of segment detail limits visibility on mix, but the capital build (+9.5% y/y) supports the risk profile.