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Funding Circle
Funding Circle (FCH) investor relations material
Funding Circle Q4 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 TU earnings summary20 Jan, 2026
Executive summary
Achieved FY 2026 revenue guidance of over £200 million a year early, with FY 2025 revenue at approximately £204 million, up 28% year-over-year.
Profit before tax reached about £20 million, significantly higher than the previous year's £3 million and ahead of market expectations.
Outperformance attributed to strong demand and product innovation, expanding customer segments and use cases.
Financial highlights
Revenue for FY 2025 was around £204 million, surpassing the market expectation of £191 million.
Profit before tax was approximately £20 million, exceeding the expected £17 million.
Credit extended during the year totaled £2.5 billion, a 29% increase from FY 2024.
Balances under management rose to £3.0 billion from £2.8 billion in FY 2024.
Outlook and guidance
FY 2026 revenue guidance of more than £200 million has already been achieved; updated guidance will be provided in March 2026.
What drives the updated FY26 guidance?
How is new lending outpacing legacy Covid LuM?
Future of capital return beyond current buyback?
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Record growth and profitability in Q4 and 2025, driven by RODA and strong order intake.
Next Funding Circle earnings date
H2 20255 Mar, 2026
Funding Circle
Next Funding Circle 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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