Agricover reports robust results in 2025, supported by adaptation to farmers’ needs and financial discipline

Bucharest, April 1st,  2026 – Agricover Group ended 2025 with solid results and a consolidated financial position, in an agricultural context still marked by liquidity pressures and price volatility. The Group recorded a net profit of 103.9 million lei, up 12% compared to the previous year, and the loan portfolio exceeded 3.72 billion lei, up 17% compared to December 2024.

The performance reflects the group's ability to anticipate farmers' needs and adapt its business model to them, in an increasingly volatile economic environment, where access to liquidity and cost control have become essential for the continuity of agricultural activity.

After two difficult years, 2025 brought better yields per hectare and favorable conditions for stabilizing farm activity. However, commodity prices remained under pressure, affecting farmers’ cash flows. Farmers responded to climate change by adjusting crop structure, optimizing input use, and prioritizing critical investments. Rapid access to finance and the ability to make timely decisions became critical factors.

„2025 was a year in which farmers needed, more than ever, capital and solutions tailored to the economic context. We expanded financing to over 3.72 billion lei and calibrated our offer according to market dynamics. The results obtained confirm our ability to adapt and the financial discipline with which we operated”, declared Liviu Dobre, CEO Agricover Holding.

Agrifinance: sustained growth in a cautious market

Financing activity continued to be the main growth driver of the group, in a context in which bank lending remained cautious. The loan portfolio exceeded 3.72 billion lei, supported by the high demand for working capital and the need of farmers to stabilize their operations in a volatile environment. Net interest income increased by 13%, reaching 262 million lei.  The evolution was supported by a prudent approach to risk, including increasing the level of collateralization of financing and adjusting the guarantee policy. This measure contributed to strengthening the quality of the portfolio, without slowing down the growth rate, supporting a balanced and sustainable development. The company recorded a non-performing loan (NPL) rate of 4.72%, keeping  this indicator broadly stable  despite a slight increase and the volatile market context.

Agribusiness: return to profitability  through operational optimization

The Agribusiness segment recorded a solid evolution of revenues from the sale of agricultural inputs (certified seeds, crop protection products, crop nutrition products and fuels), which increased to 1.53 billion lei in 2025, up by 13% compared to 2024, amid the expansion of the customer portfolio, volumes, but also price increases. Despite the context marked by cost pressures, commercial efficiency brought the Agribusiness segment back into the area of ​​stable profitability, with an operating result of 17.5 million lei (compared to 4.1 million lei in 2024). EBITDA increased by 60%, reaching 33.5 million lei. The result reflects the rapid adaptation of the operational model to the behavior of farmers, who focused on optimizing expenses and the use of essential inputs. In this context, demand remained solid for plant protection products and crop nutrition, while stocks were optimized and distribution efficiency increased. The high level of receivables collection, of over 96%, confirms the financial discipline of the group and the efficiency of monitoring and recovery mechanisms.

Direction: digital integration and development

In the medium term, the group continues its strategy of developing an integrated ecosystem, which combines financing, input distribution and digital solutions, with the objective of increasing the accessibility of products and services needed by farmers.

„Agriculture increasingly depends on the ability to adapt to climate, prices and costs. In this context, the key is to understand the market direction early and build relevant solutions for farmers. This is the role we assume: we combine financing, inputs and technology to support the sector's transition towards greater stability and efficiency”, added Liviu Dobre.

Partnership with the sector: investing in the new generation of farmers

In addition to operational activity, Agricover is consolidating its role as a partner of the agricultural sector through initiatives dedicated to human capital development, at a time when Romanian agriculture is facing structural challenges, including the aging of the active population and the decline in interest in this field. In this sense, the continued financial support for the "Young Leaders for Agriculture" program, which reached its seventh cohort in 2025, contributes to the training of a new generation of farmers and entrepreneurs, with the objective of reaching 1,000 trainees. The initiative supports the exchange of generations in agriculture and the development of management and leadership skills, essential in a sector increasingly dependent on adaptability, technology and operational efficiency.

Outlook 2026

Against the general backdrop of a decline in the appetite for financing in agriculture, Agricover has secured the necessary resources to expand its support to farmers. In the input distribution segment, the group has expanded its portfolio with a range of efficient products for farmers, designed to optimize the cost per hectare and respond to the pressure on farm capital. In this context, Agricover anticipates an increase in market share and the strengthening of partnerships with farmers, in a consolidating and maturing market.

About Agricover

Agricover Group is a landmark in the agricultural field in Romania, serving more than 10,000 farmers nationwide. With 25 years of experience and an entrepreneurial approach to business development, Agricover delivers innovative solutions that drive long-term transformation in farmers’ businesses and lives. Agricover Group has an integrated business model that includes the Agrifinance and Agribusiness segments:

• Agrifinance segment: Agricover Credit IFN, Agricover Payments and Clubul Fermierilor Români Insurance Broker - provides the necessary financing to farmers as well as related services, including insurance brokerage and digital financing and payment services.

• Agribusiness segment: Agricover Distribution and Agricover Commodities - specialized in the distribution of agricultural inputs - certified seeds, plant protection and nutrition products and fuel - provided to local farmers.

For more information, visit www.agricover.ro