United Kingdom · Delayed Price · Currency is GBP · Price in GBX Funding Circle Holdings Earnings Call Transcripts
Fiscal Year 2026
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Record H1 2026 results with 50% revenue growth, quadrupled PBT, and upgraded FY 2026 guidance. Multi-product strategy and AI adoption drive engagement and efficiency, while strong cash generation supports further buybacks and growth.
Fiscal Year 2025
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Revenue grew 28% to GBP 204 million in 2025, with profit before tax up to GBP 20 million and assets under management reaching GBP 3 billion. Upgraded 2026 guidance targets GBP 235 million revenue and at least GBP 35 million PBT, driven by product diversification and strong SME demand.
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Revenue grew 17% year-over-year to £92.3m, with PBT up to £6m and strong growth in Flexi Pay and term loans. Share buybacks reached £75m, and the business remains on track for 2026 guidance of >£200m revenue and >£30m PBT.
Fiscal Year 2024
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Delivered strong revenue and profit growth in 2024, exceeding expectations and achieving significant cost savings. Focused on the U.K. market, expanded product offerings, and confirmed medium-term guidance for double-digit revenue growth and margin expansion.
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Profitability was achieved ahead of schedule, with strong revenue growth and cost savings from restructuring. FlexiPay and term loans saw robust expansion, and guidance was upgraded for both revenue and margins, supported by new product launches and share buybacks.