Funding Circle Holdings plc (LON:FCH)

Revenue Breakdown

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Term Loans Revenue	146.90M	142.60M	124.50M
Term Loans Revenue Growth	3.02%	14.54%	6.96%
Other Loans Revenue	-	-	400.00K
Other Loans Revenue Growth	-	-	-75.00%
Flexipay Revenue	26.40M	17.50M	5.20M
Flexipay Revenue Growth	50.86%	236.54%	246.67%

Revenue Breakdown 2

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Transaction Fees Revenue	91.50M	85.30M	65.30M
Transaction Fees Revenue Growth	7.27%	30.63%	-15.74%
Servicing Fees Revenue	37.20M	37.50M	39.00M
Servicing Fees Revenue Growth	-0.80%	-3.85%	-18.58%
Interest Income Revenue	39.90M	30.90M	15.40M
Interest Income Revenue Growth	29.13%	100.65%	266.67%
Other Fees Revenue	5.10M	5.20M	6.40M
Other Fees Revenue Growth	-1.92%	-18.75%	56.10%
Operating Income Revenue	173.70	158.90	126.10
Operating Income Revenue Growth	9.31%	26.01%	-5.68%
Investment Income Revenue	3.80M	2.80M	3.60M
Investment Income Revenue Growth	35.71%	-22.22%	-79.19%
Total Income Revenue	177.50M	161.70M	129.70M
Total Income Revenue Growth	9.77%	24.67%	-14.11%
Fair Value Gains	3.40M	4.20M	3.10M
Fair Value Gains Growth	-19.05%	35.48%	-35.42%
Cost of Funds	-7.60M	-5.80M	-2.70M

Adjusted EBITDA

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Term Loans Adjusted EBITDA	38.80M	37.00M	21.30M
Term Loans Adjusted EBITDA Growth	4.87%	73.71%	54.35%
Other Loans Adjusted EBITDA	-	-	-200.00K
Flexipay Adjusted EBITDA	-10.30M	-12.50M	-14.40M

EBT

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Term Loans Profit Before Tax	22.50M	16.70M	6.50M
Term Loans Profit Before Tax Growth	34.73%	156.92%	-
Other Loans Profit Before Tax	-	-	-200.00K
Flexipay Profit Before Tax	-13.60M	-15.90M	-16.20M

Key Performance Indicators

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Number of United Kingdom Originations - Term Loans	1.45B	1.41B	1.06B
Number of United Kingdom Originations - Term Loans Growth	3.13%	32.74%	-3.20%
Number of Transactions - Flexipay	641.00M	492.00M	234.00M
Number of Transactions - Flexipay Growth	30.29%	110.26%	296.61%
Total Number of Originations and Transactions	2.09B	1.90B	1.29B
Total Number of Originations and Transactions Growth	10.16%	46.75%	12.13%
United Kingdom - Term Loans Under Management	2.66B	2.71B	2.85B
United Kingdom - Term Loans Under Management Growth	-1.99%	-4.87%	-13.83%
Flexipay - Balances Under Management	169.00M	119.00M	58.00M
Flexipay - Balances Under Management Growth	42.02%	105.17%	222.22%
Other Loans Under Management	-	-	11.00M
Other Loans Under Management Growth	-	-	-71.80%
Total Balances Under Management	2.83B	2.83B	2.92B
Total Balances Under Management Growth	-0.14%	-3.05%	-13.24%

Updated Jun 30, 2025. Data Source: Fiscal.ai.