2024년 연결 영업수익 1조9,556억 원, 연결 영업이익 907억 원 기록
사용자 기반 확대와 연결 회사 시너지로 사업 부문 고른 성장… 본격적인 수익화 궤도 진입

토스(운영사 비바리퍼블리카, 대표 이승건)가 2024년 연간 실적을 발표하며 창사 이래 최대 매출(연결 영업수익) 및 첫 연간 흑자를 달성했다고 28일 밝혔다.

사용자 기반 확대 바탕으로 사상 최대 매출 달성
2024년 말 기준 토스 앱의 월간 활성 이용자 수(Monthly Active Users, MAU)는 와이즈앱 기준 전년 대비 29% 늘어난 2,480만 명을 기록했다. 활성 이용자 수 증가에 따라 주요 서비스의 이용률도 함께 높아졌고, 이는 간편결제, 커머스, 광고 등 전반적인 사업 확대에 긍정적인 영향을 미쳤다.
이 같은 사용자 기반 확대에 힘입어 토스와 자회사의 매출을 포함한 연결 영업수익은 1조 9,556억 원을 기록, 전년 대비 42.7% 성장하며 사상 최대치를 달성했다. 특히 토스의 주요 서비스와 함께 토스증권, 토스페이먼츠, 토스인컴, 토스인슈어런스 등 자회사들의 고른 성장이 돋보였다. 토스는 ‘수퍼앱(Super app)’ 전략 하에 각 사업 부문별로 경쟁력 있는 서비스를 지속적으로 선보이며 계열사 간 시너지를 강화하고 있다.
컨슈머 부문 성장으로 연간 흑자 전환
첫 연간 흑자 전환에도 성공했다. 연결 영업이익 907억 원, 연결 당기순이익 213억 원을 기록하며 수익성 지표 전반의 개선을 이뤘다. 이는 수익 기여도가 높은 컨슈머 서비스 부문의 성장이 견인한 결과로 풀이된다. 컨슈머 서비스 부문은 송금, 중개, 광고, 간편결제, 증권, 세무 등의 서비스를 통칭한다.
토스(비바리퍼블리카) 자체 실적도 호조
토스 별도 기준으로는 영업수익 5,871억 원을 기록하며 전년 대비 74.6%의 높은 성장세를 나타냈다. 아울러 영업이익 115억 원, 당기순이익 480억 원을 기록하며 별도 기준 역시 첫 연간 흑자를 달성했다.
토스 이승건 대표는 “토스 앱 출시 10년 만에 거둔 이번 성과는 토스의 성장 전략이 안정적인 비즈니스 모델로 자리 잡고 있음을 보여준다”라며, “앞으로도 사용자 중심의 서비스 혁신과 플랫폼 구조 고도화를 통해 수익성과 성장성을 함께 강화해 나가겠다”고 덧붙였다.


2024년 연결 영업수익 1조9,556억 원, 연결 영업이익 907억 원 기록
사용자 기반 확대와 연결 회사 시너지로 사업 부문 고른 성장… 본격적인 수익화 궤도 진입

토스(운영사 비바리퍼블리카, 대표 이승건)가 2024년 연간 실적을 발표하며 창사 이래 최대 매출(연결 영업수익) 및 첫 연간 흑자를 달성했다고 28일 

2024년 연결 영업수익 1조9,556억 원, 연결 영업이익 907억 원 기록

토스, 첫 연간 흑자 전환…창사 이래 최대 매출 달성

In full year 2024, achieved ₩1,956 billion in consolidated revenue and ₩91 billion in operating profit
Strong performance across all business segments, driven by user growth and engagement on the Superapp — now focused on profitable growth

 Viva Republica, the operator of financial Superapp “Toss,” announced its financial results for the full year 2024, reporting record-high revenue on a consolidated basis, while also achieving first-ever annual net profit in its history.

Consolidated revenue was ₩1,956 billion, up 43% year-over-year. The growth was driven by an expanding user base and its increasing engagement on the Superapp, as well as strong performance across all Consumer services, including Toss Pay, Ads, Trading, Financial Marketplace, and E-commerce. Under its Superapp strategy, Toss continues to offer competitive products across all business segments, generating strong synergy among products. Leveraging its platform-based business model, Toss was also able to rapidly accelerate the growth of its business customer count across advertisers, merchants, sellers, financial institutions, and more.
Consolidated operating profit came in at ₩91 billion and net profit at ₩21 billion, marking the company’s first full-year of net profitability. This was driven by increased contribution of high-margin Consumer services, as well as the operating leverage Toss has built over the years — a key characteristic it will continue to benefit from as its platform business scales.
As of the end of 2024, the number of Monthly Active Users (MAU) on the Toss Superapp reached 25 million (based on WiseApp data), representing a 29% increase year-over-year. The expanding user base led to higher user engagement across all key Consumer services.
On a standalone basis, Toss recorded ₩587 billion in revenue—which represents a strong year-over-year growth of 75%. It posted operating profit of ₩12 billion and net profit of ₩48 billion — achieving its first-ever full-year net profit on a standalone basis.
“Our achievements this year are a result of the priority shift towards monetization of our platform business. Toss has now structurally transitioned into a stable business generating recurring profit.” said Seunggun Lee, CEO of Toss. “Well rounded growth across all business segments and expanding user base have created a two sided growth flywheel, laying the foundation for profitable growth. We’ve just begun our journey in driving financial growth with business customers and going forward, we will continue to focus on both growth and profitability through user-centric product innovation and platform expansion.”


In full year 2024, achieved ₩1,956 billion in consolidated revenue and ₩91 billion in operating profit
Strong performance across all business segments, driven by user growth and en

Strong performance across all business segments

Toss Reports Records Revenue of 2 Trillion KRW and First Full-Year Net Profit in 2024

Free transfers for life available to all Toss customers… Approximately 980 million transfers made last year
Providing small everyday benefits such as points through Toss Walk and Open Toss Together

Viva Republica, the operator of the financial super app “Toss,” has released data on key benefits it provided to users throughout 2024. Toss benefits are divided into services that reduce costs, such as free transfers, and services that provide rewards, such as “Toss Walk.”

Toss users made approximately 980 million transfers. Assuming a transfer fee of 500 KRW per transaction, each user saved an average of about 40,000 KRW in transfer fees annually. Toss launched its simple money transfer service in 2015 and has been a pioneer in the industry, offering lifetime free transfers to all customers since 2021.
As of the end of January, the “Rewards” menu at the bottom of the Toss app offers 35 services that allow users to accumulate cash-like points. New benefits are added daily, and users can check out and participate in ongoing events. Representative services include Toss Walk, Open Toss Together, and Purrfect Bites.
More than 40% of Toss users—appropxiatemly 11.5 million—use Toss Walk. Users engage with the feature an average of twice per week and walk around 5,000 steps per day. On average, users have accumulated about 2,900 KRW. Toss Walk provides points and lucky draw tickets based on predetermined step counts within a 10,000-step range.
Open Toss Together was first introduced in 2023 and quickly became a popular Toss benefit, even coining the trending term “Toss Hotspot (“Seong-ji”). It allows users to earn points when they are near others who also have the Toss app open. The user who accumulated the most points through this service last year earned approximately 70,000 KRW, while the average user earned about 3,400 KRW.
Purrfect Bites allows users to raise a virtual cat when making payments via Tosspay. Users receive items to care for their virtual cat, which can then be exchanged for e-coupons. Last year, the user who received the most e-coupons through this service collected 120 coupons. On average, each user earned about 2,700 KRW, which is enough to exchange for a hamburger e-coupon.
Today’s Luck and This Week’s Mission are also popular benefit services among Toss users. The user who accumulated the most points through these services saved approximately 990,000 KRW over the course of a year—equivalent to earning more than 2,700 KRW per day.
A Toss representative said, “Toss has been providing users with practical benefits across various areas, from financial services to everyday events. We will continue striving to offer user-friendly services that create a convenient and rewarding app experience.” 


Free transfers for life available to all Toss customers… Approximately 980 million transfers made last year
Providing small everyday benefits such as points through Toss Walk and O

# 2024

토스, 첫 연간 흑자 전환…창사 이래 최대 매출 달성

Toss Reports Records Revenue of 2 Trillion KRW and First Full-Year Net Profit in 2024

Toss Reviews Benefits Provided in 2024