AI-Powered Fintech Optasia Posts $265M Revenue, Driven by Mobile Financial Services

Fintech firm Optasia  has reported a strong debut performance following its maiden annual results since listing on the Johannesburg Stock Exchange (JSE), with revenue soaring 76% to $265 million (approximately R4.4 billion) for the 2025 financial year. This milestone underscores the company’s growing influence across emerging markets through its AI-powered financial platform.

The company also delivered notable profitability and operational efficiency gains. Adjusted EBITDA rose 52% year-on-year to $115 million (approx. R1.9 billion), achieving a margin of 43.2%. Normalised net income increased 57% to $58 million (approx. R960 million), while adjusted free cash flow reached $45 million, supported by a 39% conversion rate from EBITDA.

Optasia’s Mobile Financial Services (MFS) segment was the primary driver of growth, contributing 63% of total revenue. Revenue from MFS surged 149% year-on-year, reflecting a strategic shift toward higher-margin, AI-driven financial products. The company expanded its global footprint by entering two new countries and rolling out eight new products, reaching over 432 million active service users annually. Despite rapid scaling, Optasia maintained disciplined risk management with a low default rate of 1.2%.

The results follow a successful JSE listing that raised $75 million to bolster the balance sheet and fund further expansion. Looking ahead, management has upgraded 2026 guidance, targeting revenue and EBITDA growth of over 30%. A strategic partnership with FirstRand, which acquired a 20% stake in Optasia, is expected to further scale the company’s credit decisioning capabilities across high-growth African markets.

This strong performance positions Optasia as a leading AI-driven fintech player in emerging markets, combining rapid growth with operational discipline and strategic partnerships to drive future expansion.