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Funding Circle
Funding Circle (FCH) investor relations material
Funding Circle H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary5 Mar, 2026
Executive summary
Delivered standout performance in 2025, exceeding expectations and achieving 2026 revenue guidance a year early, driven by strong customer demand and a focused strategy in a large, underserved SME finance market.
Technology and data capabilities deepened the competitive moat, supporting scalable, capital-light growth and increased customer engagement and loyalty through a multi-product strategy.
Lending in 2025 supported over 117,000 jobs and contributed GBP 7.9 billion to GDP.
Achieved record engagement scores and industry recognition, reflecting a strong mission-led culture.
Financial highlights
Revenue grew 28% year-over-year to GBP 204 million, with credit extended up 29% to GBP 2.5 billion.
Profit before tax reached GBP 20 million, a sixfold increase from the prior year; profit after tax was GBP 46 million, aided by historic tax losses.
Assets under management rose to GBP 3 billion, with commercial loan growth outpacing legacy COVID loan repayments.
Active customers increased 25% over two years; credit extended up 90%, revenue up 57%, and PBT swung from a GBP 10 million loss to GBP 20 million profit.
FlexiPay and credit card revenue grew 111% to GBP 36.9 million, with assets under management up 73% to GBP 206 million.
Outlook and guidance
Upgraded FY 2026 guidance to circa GBP 235 million in revenue and at least GBP 35 million in PBT.
Medium-term (FY 2029) targets: revenue of GBP 300–350 million and PBT margins trending towards low to mid-20s%.
Continued investment in AI, product, and technology to drive future growth and profitability.
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Frequently asked questions
Funding Circle Holdings plc operates a leading online lending platform designed specifically for small and mid-size enterprises (SMEs) across the United Kingdom, the United States, Germany, and the Netherlands. Founded in 2010, the company aims to revolutionize small business lending by leveraging machine learning, advanced technology, and a vast dataset to efficiently match investors with SMEs needing financing. Funding Circle's product offerings include business loans, a line of credit through its FlexiPay service, and a FlexiPay card, catering to everyday business expenses and purchases. Moreover, it provides an embedded finance solution, enabling partners to offer Funding Circle loans on their platforms. The company is headquartered in London, England, and its shares are listed on the London Stock Exchange.
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