E-wallet provider Maya reported its first full year of profitability in 2025, posting ₱1.7 billion in net income as growth in deposits, lending, and merchant services continued to expand its footprint in the country’s digital-finance market.
For the fiscal year ending Dec. 31, 2025, Maya said deposit balances reached ₱68 billion, up 72% year on year, reflecting increased adoption of its digital banking products alongside its payments business.
The company has disbursed ₱256 billion in loans since 2022. Despite the rapid expansion of its credit portfolio, Maya reported a gross non-performing loan (NPL) ratio of 6.1%, indicating stable asset quality as lending operations scale.
During the year, Maya rolled out additional credit products, including the Maya Black Credit Card, while expanding existing offerings such as Easy Credit and personal loans.
Savings and investment-type products — such as Maya Savings, Personal Goals, and Time Deposit Plus — also drew users seeking higher-yield digital deposit options.
Maya likewise strengthened its role as a merchant acquirer, providing businesses with payment acceptance, deposit, and financing tools through its Maya Business Manager platform.
The company said this integration has helped enterprises and micro, small, and medium-sized businesses transition to digital transactions.
Beyond its core financial services, Maya entered several partnerships aimed at widening use cases for its platform. These included credit-access initiatives with Cebuana Lhuillier, financing programs for small retailers with Pepsi-Cola Products Philippines, and Ultra Mega Corporation, and lifestyle integrations such as airline-mile features with Philippine Airlines.
The firm also worked with government agencies, including Department of Education, Philippine Sports Commission, and National Power Corporation, to expand access to digital payments and financial services.
“Our 2025 performance proves that our integrated model — owning both the technology and the bank — creates a powerful engine for sustainable growth,” the company said in a statement. “By redefining the rules of finance, we are enabling more Filipinos to live the life they want today.”
