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Funding Circle Holdings (FCH) investor relations material
Funding Circle Holdings H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary4 Sep, 2025
Executive summary
Achieved strong, profitable growth in H1 2025, with revenue up 17% year-over-year to £92.3m and PBT rising to £6.0m from £0.5m, reflecting accelerating profitability and strategic progress.
Extended £1.1bn in credit to UK SMEs, up 21% year-over-year, with continued innovation and product expansion, especially in Flexi Pay and credit card offerings.
Maintained strong market position as the UK's leading SME finance platform, serving over 110,000 businesses and supporting 87,000 jobs last year.
Executed share buybacks totaling £75m since March 2024, repurchasing nearly 15% of initial share capital.
Board and committee leadership changes in 2025, including a new Chairman and committee chairs.
Financial highlights
Revenue increased 17% to £92.3m, with both Term Loans and FlexiPay contributing; credit extended grew 21% to £1.1bn.
PBT reached £6.0m, a 12x increase from H1 2024, with Term Loans PBT at £12.7m (38% growth); FlexiPay revenue up 119%.
FlexiPay and credit card transactions grew 66% to £375m, with over 25,000 active customers and cumulative transactions surpassing £1bn.
Operating costs rose only 4% year-over-year, with non-marketing costs down 4% and cost savings of £15m achieved.
Unrestricted cash at £115m as of June 2025, reflecting share buybacks and investment in new products.
Outlook and guidance
On track to deliver 2025 market expectations and 2026 guidance: over £200m revenue and over £30m PBT.
Targeting 15-20% revenue CAGR from FY23 and PBT margins above 15%.
Flexi Pay expected to turn profitable during 2026.
Strategic focus on customer-led profitable growth, product scaling, and expanding distribution channels.
Short-term loan: What's the funding transition plan?
Competitive environment: Bank focus on SME lending?
Gen AI: Cost transformation potential?
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Next Funding Circle Holdings earnings date
H2 20255 Mar, 2026
Next Funding Circle Holdings earnings date
H2 20255 Mar, 2026
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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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