Funding Circle Holdings PLC
OTC:FDCHF
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Funding Circle Holdings PLC
Funding Circle Holdings Ltd. engages in the provision of loan platform for small and medium enterprise. The firm provides an online marketplace that allows entrepreneurs to access funding from investors and allows them to borrow business loans for small and medium-sized enterprises. The Company’s online marketplace provides both secured and unsecured loans to operate businesses, get working capital, buy assets, and develop business properties. The firm provides its services through its subsidiary Funding Circle Limited. The Company’s geographic segments consist of the United Kingdom, the United States and Developing Markets. The Developing Markets segment includes the Group's businesses in Germany and the Netherlands. The Company’s a range of investors are utilizing technology and distribution platform to lend more than £13 billion to approximately 120,000 businesses globally.
Funding Circle Holdings Ltd. engages in the provision of loan platform for small and medium enterprise. The firm provides an online marketplace that allows entrepreneurs to access funding from investors and allows them to borrow business loans for small and medium-sized enterprises. The Company’s online marketplace provides both secured and unsecured loans to operate businesses, get working capital, buy assets, and develop business properties. The firm provides its services through its subsidiary Funding Circle Limited. The Company’s geographic segments consist of the United Kingdom, the United States and Developing Markets. The Developing Markets segment includes the Group's businesses in Germany and the Netherlands. The Company’s a range of investors are utilizing technology and distribution platform to lend more than £13 billion to approximately 120,000 businesses globally.
Revenue Growth: Funding Circle reported half-year revenue of GBP 92.3 million, up 17% year-on-year.
Profitability: Profit before tax rose sharply to GBP 6 million from GBP 0.5 million the prior year, reflecting improved margins and operating leverage.
Term Loans Strength: The term loans business delivered 38% profit growth, with GBP 12.7 million profit and nearly 17% margins.
FlexiPay Expansion: FlexiPay and credit card revenue more than doubled, with transactions up 66% to GBP 375 million and strong recurring usage.
Cost Control: Operating costs rose only 4%, with non-marketing costs down 4% year-on-year, supporting margin expansion.
Share Buybacks: GBP 75 million in buybacks announced since March 2024, reducing share count by 15%.
2026 Guidance: Management reiterated unchanged guidance for over GBP 200 million revenue and over GBP 30 million profit before tax in 2026.
Stable Credit & Funding: Credit performance and loss rates remain stable and within expectations; over GBP 1.6 billion in future funding secured.
