The largest companies in the Ukrainian non-bank consumer lending market significantly increased their revenues in the first half of 2026. The cumulative income from the provision of financial services of the five largest players in the segment reached 7.55 billion UAH, which is 24.5% more than in January-June 2025, the Experts Club analytical center calculated based on the reporting of the National Bank of Ukraine.
When compiling the rating, Experts Club took into account companies whose main activity 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 general rating of the NBU, were not included in the microcredit rating.
The first place is occupied by "Ukr Kredit Finance", which operates under the CreditKasa brand. The company's income from financial services for the first half of the year reached 1.977 billion UAH compared to 1.871 billion UAH a year earlier. The growth was about 5.7%. The company's net profit reached UAH 172.6 million compared to UAH 68.1 million in the first half of 2025, i.e., it increased approximately 2.5 times.
In second place is Consumer Center LLC (TM ShvydkoGroshy) with a revenue of 1.504 billion UAH. A year earlier, this indicator was UAH 1.032 billion, so the growth reached 45.8%. At the same time, the company became the largest in terms of net profit among the leading microcreditors — UAH 361.3 million against UAH 186.1 million a year earlier.
The third place is occupied by Ye Groshi FC with an income of 1.482 billion UAH, which is 34.7% more than the figure for the first half of 2025 — 1.100 billion UAH.
Aventus Ukraine, operating under the CreditPlus brand, is in fourth place. The company increased its revenue from UAH 1.169 billion to UAH 1.413 billion, or about 20.9%. The net profit of CreditPlus almost doubled — from UAH 128.3 million to UAH 233.4 million.
The fifth place is occupied by Miloan with a revenue of 1.172 billion UAH compared to UAH 893.4 million for the same period last year. Thus, the company increased this indicator by approximately 31.2%.
The rating of the largest microcredit companies by revenue for January-June 2026 is as follows:
CreditKasa — UAH 1.977 billion, +5.7% in annual terms
ShvidkoGroshi — 1.504 billion UAH, +45.8%
6.07 billion UAH to 7.55 billion UAH.Three more prominent representatives of online lending entered the top ten of all financial companies of Ukraine in terms of revenues from financial services. MyCredit received UAH 1.071 billion, which is 4% less than a year earlier, Credit7 received UAH 1.012 billion, or 6.8% more. "Bizpozyka", which specializes, in particular, in lending to entrepreneurs and small businesses, immediately increased its income by 91.7% - up to UAH 1.066 billion.
Thus, a significant part of the largest non-banking financial companies in Ukraine in terms of income today is connected precisely with lending to individuals and small businesses.
The Experts Club notes that the results of the first half of the year indicate not only the recovery of the market of non-bank lending after the shock of the first years of a full-scale war, but also about its subsequent concentration around a few large digital brands.
The difference in growth rates is particularly telling. CreditKasa remains the largest company in terms of absolute revenue, but ShvydkoGroshi, Ye Groshi and Miloan grew the fastest among the top five in the first half of the year. This means that the gap between the market leaders is gradually narrowing.
At the same time, revenue growth should be evaluated together with profitability. For example, ShvydkoGroshi, with a revenue of about UAH 1.5 billion, received UAH 361.3 million in net profit, while CreditKasa earned UAH 172.6 million with revenues of almost UAH 2 billion. CreditPlus with a revenue of UAH 1.41 billion earned a profit of UAH 233.4 million.
In general, the NBU's reporting for the first half of 2026 includes 381 financial companies compared to 422 a year earlier. 318 companies made a profit, their combined financial result amounted to UAH 10.8 billion, compared to UAH 8.7 billion for the same period in 2025. Another 64 financial companies ended the half-year with losses totaling UAH 245.5 million. According to the Experts Club, market dynamics indicate two parallel processes: demand for fast non-banking credits remains high, and the sector itself is becoming larger and more financially stable, despite the reduction of the total number of operating financial companies.
In the future, the key factors for the market will be the cost of attracting customers, the level of problem debt, regulation of the marginal cost of consumer loans and the ability of companies to retain borrowers in the face of growing competition from bank digital credit products.
Data source — statistics of the National Bank of Ukraine for the first half of 2026 year, published in the supervisory statistics section of the NBU.
