Business
Funding Circle plc: Full Year 2025 Results
Funding Circle Holdings plc reported a strong performance for the twelve months ended 31 December 2025, achieving its 2026 revenue guidance a year early with revenue increasing 28% to £204.3 million, and profit before tax rising to £20.3 million. The company saw credit extended grow by 29% to £2,453 million and assets under management increase to £2,961 million, supported by a 10% rise in active customers to 52.7k. Looking ahead, Funding Circle has upgraded its FY26 guidance to approximately £235 million in revenue and at least £35 million in profit before tax, and set medium-term targets of £300 million to £350 million in revenue by FY29 with profit before tax margins in the low to mid-20s. Disclaimer*
About this update from Funding Circle Holdings Plc
[{"type":"text","content":"\n \n \n \n\n\t\n\n\n\n\n\n\n\n\n\n\n\nFunding Circle Holdings plc (FCH)\n\n\n\n\n\n\nFunding Circle plc: Full Year 2025 Results 05-March-2026 / 07:00 GMT/BST\n\n\n \n\n \n\nFunding Circle Holdings plc\n\nFull Year 2025 Results\n\n \n\nFY 2026 REVENUE GUIDANCE ACHIEVED A YEAR EARLY\n\nUPGRADED FY 2026 GUIDANCE & ATTRACTIVE NEW MEDIUM-TERM TARGETS\n\n \n\nFunding Circle Holdings plc (“Funding Circle” or the “Group”) today announces results for the twelve months ended 31 December 2025. \n\n \n\nLisa Jacobs, Funding Circle CEO, commented:\"We delivered a standout performance in 2025, exceeding our expectations and hitting our 2026 revenue guidance a year early, and we supported more SMEs than ever before. Strong growth in the credit we extended led to revenue growth of 28% to £204m and profit before tax increasing to £20m, demonstrating the strong operating leverage and profitability of our platform.\n\n“We’ve successfully executed against our strategy to deepen our engagement with SMEs and expand our multi-product offering, enabling us to meet more of our customers’ needs. We now interact with a customer once every 38 seconds, putting us at the heart of their businesses as a trusted financial partner. Our 15 years of proprietary data and technology expertise are the foundation of our competitive advantage, allowing us to deliver a superior customer experience.\n\n“Looking ahead, we see a significant opportunity to further grow our share of the SME finance market. Our confidence in the strength and scalability of our platform is reflected in the attractive new medium-term targets we are setting today. By becoming a more meaningful partner to our customers, we aim to not only grow our business but to support the next phase of growth across the UK’s SME economy.\"\n\n\n Group\n \n \n FY 2025\n \n \n FY 2024\n \n \n \n \n \n £m\n \n \n £m\n \n \n Credit extended1 \n \n \n 2,453\n \n \n 1,899\n \n \n Assets under Management2\n \n \n 2,961\n \n \n 2,833\n \n \n Revenue3\n \n \n 204.3\n \n \n 160.1\n \n \n Profit before taxation (before exceptional items)\n \n \n 20.3\n \n \n 3.4\n \n \n Profit before taxation (after exceptional items)\n \n \n 20.3\n \n \n 0.8\n \n \n Profit for the year (after exceptional items)\n \n \n 46.0\n \n \n 8.6\n \n \n Unrestricted Cash4\n \n \n 100.9\n \n \n 150.5\n \n ...