The earnings call reflects a generally positive outlook with strong revenue and profit growth, successful product expansion, and high customer satisfaction. However, challenges in the macroeconomic environment and losses in the FlexiPay segment present areas to watch.

Company Guidance

In the recent call discussing Funding Circle's half-year results for 2025, significant growth metrics were highlighted. The company saw a 20% year-on-year increase in credit extended, totaling GBP 1.1 billion, and a 17% rise in revenue, reaching GBP 92.3 million. Notably, Profit Before Tax (PBT) improved to GBP 6 million, a significant jump from GBP 0.5 million the previous year, with term loans contributing GBP 12.7 million to PBT, reflecting a 38% growth. FlexiPay revenue more than doubled, and the company reported strong customer satisfaction with a Net Promoter Score (NPS) of 81 and a Trustpilot score of 4.6. Future projections remain promising, with expectations of over GBP 200 million in revenue and GBP 30 million in PBT by 2026, supported by a robust pipeline of GBP 1.8 billion in future funding commitments. Additionally, the company has a strong cash balance of GBP 115 million and has completed significant share buybacks, purchasing 15% of its initial share capital since March 2024.

Profitable Growth and Revenue Increase

Funding Circle achieved a 17% year-on-year revenue growth to GBP 92.3 million, with profit before tax rising to GBP 6 million from GBP 0.5 million a year prior.

Significant Credit Extension

Credit extended grew over 20% year-on-year to GBP 1.1 billion in the first half of the year, supporting over 87,000 jobs and contributing GBP 7.2 billion in GDP.

FlexiPay Revenue Surge

FlexiPay revenue more than doubled, with transactions growing 66% year-on-year to GBP 375 million, and early cohorts now delivering positive cash flow.

High Customer Satisfaction

Industry-leading NPS of 81 and Trustpilot score of 4.6, driven by a superior customer experience and a slick 6-minute loan application process.

Successful Share Buyback Program

Since March 2024, GBP 75 million worth of share buybacks have been announced, buying back nearly 15% of the initial share capital.

Strong Cash Balance

The company maintains a strong cash balance of GBP 115 million, supporting investment and growth initiatives.

Product Innovation and Expansion

Continued innovation with product feature improvements and expansion into new customer segments, including a new short-term loan offering.

Funding Circle Holdings (GB:FCH) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

GB:FCH Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Mar 05, 2026	2025 (Q4)	- / -	0.041	―	―	―
Sep 04, 2025	2025 (Q2)	- / 0.02	-0.028	160.71% (+0.04)	―	―
Mar 06, 2025	2024 (Q4)	- / 0.04	-0.059	169.49% (+0.10)	―	―
Sep 05, 2024	2024 (Q2)	- / -0.03	-0.052	46.15% (+0.02)	―	―
Mar 07, 2024	2023 (Q4)	>-0.01 / -0.06	-0.035	-68.57% (-0.02)	―	―
Sep 07, 2023	2023 (Q2)	-0.05 / -0.05	0.018	-388.89% (-0.07)	―	―
Mar 02, 2023	2022 (Q4)	-0.02 / -0.04	0.068	-151.47% (-0.10)	―	―
Sep 08, 2022	2022 (Q2)	- / 0.02	0.098	-81.63% (-0.08)	―	―
Mar 10, 2022	2021 (Q4)	>-0.01 / 0.07	0.025	172.00% (+0.04)	―	―
Sep 09, 2021	2021 (Q2)	0.07 / 0.10	-0.282	134.75% (+0.38)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

GB:FCH Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Sep 04, 2025	138.20p	130.20p	-5.79%
Mar 06, 2025	104.00p	99.60p	-4.23%
Sep 05, 2024	99.00p	128.50p	+29.80%
Mar 07, 2024	28.00p	43.30p	+54.64%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Funding Circle Holdings (GB:FCH) report earnings?

Funding Circle Holdings (GB:FCH) is schdueled to report earning on Mar 05, 2026, TBA (Confirmed).

What is Funding Circle Holdings (GB:FCH) earnings time?

Funding Circle Holdings (GB:FCH) earnings time is at Mar 05, 2026, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is the P/E ratio of Funding Circle Holdings stock?

The P/E ratio of Funding Circle Holdings is N/A.

What is GB:FCH EPS forecast?

Currently, no data Available

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