Funding Circle Holdings plc (LON:FCH)

Funding Circle Holdings Income Statement

Financials in millions GBP. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	63	27.9	16.3	21.5	40.4
Net Interest Income Growth	125.81%	71.17%	-24.19%	-46.78%	-38.13%
Non-Interest Income	141.3	132.2	113.8	134.3	195
Non-Interest Income Growth	6.88%	16.17%	-15.26%	-31.13%	432.79%
Revenues Before Loan Losses	204.3	160.1	130.1	155.8	235.4
Provision for Credit Losses	18.3	8.6	4.5	-1.5	-
Revenue	186	151.5	125.6	157.3	235.4
Revenue Growth (YoY)	22.77%	20.62%	-20.15%	-33.18%	131.01%
Compensation Expenses	68.4	70.4	65.5	85.9	77.7
Selling, General & Admin	62	45.6	37.1	38.4	46.9
Other Non-Interest Expenses	35.3	34.7	32.9	45.9	46.7
Total Non-Interest Expense	165.7	159.3	140	168.7	171.3
Pretax Income	20.3	0.8	-9.9	-12.9	64.1
Provision for Income Taxes	-25.7	0.5	-1.7	-6	2.9
Net Income	46	8.6	-38.3	-6.9	61.2
Net Income to Common	46	8.6	-38.3	-6.9	61.2
Net Income Growth	434.88%	-	-	-	-
Shares Outstanding (Basic)	315	342	345	349	352
Shares Outstanding (Diluted)	329	382	345	349	382
Shares Change (YoY)	-14.02%	10.85%	-1.09%	-8.67%	10.00%
EPS (Basic)	0.15	0.03	-0.02	-0.02	0.17
EPS (Diluted)	0.14	0.02	-0.02	-0.02	0.16
EPS Growth	508.70%	-	-	-	-
Free Cash Flow	-34.4	-70.3	-26.3	-9.3	97.7
Free Cash Flow Growth	-	-	-	-	202.48%
Free Cash Flow Per Share	-0.10	-0.18	-0.08	-0.03	0.26
Profit Margin	24.73%	0.20%	-6.52%	-4.39%	26.00%
FCF Margin	-18.49%	-46.43%	-20.92%	-5.91%	41.50%
EBITDA	11	13	16.7	15.2	13.9
EBITDA Margin	5.91%	8.59%	13.29%	9.66%	5.90%
Effective Tax Rate	-126.60%	62.50%	17.17%	46.51%	4.52%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.