FINSETA PLC - Final results for the year ended 31 December 2025

Finseta PLC reported its FY2025 investor update highlighting continued strategic progress, revenue growth, and expansion of its specialist business-focused financial services platform. Revenue increased 9% year-on-year to £12.4 million, driven by strong performance in Dubai, growth in alternative banking solutions, and a significant shift toward higher-quality corporate and business clients, which now account for 57% of total revenue. The company continues to invest in long-term growth, resulting in lower EBITDA as resources were directed toward platform development, international expansion, regulatory compliance, and its cards programme. Key milestones included securing agency banking capabilities, obtaining regulatory approvals and operational infrastructure in Canada and Dubai, and enhancing its proprietary payments platform with multi-currency accounts, self-service functionality, improved onboarding, and faster payment processing. Management emphasized its strategy of targeting complex business verticals underserved by traditional banks, leveraging its in-house technology, regulatory licences, and specialist expertise to build recurring revenue streams and strengthen customer retention. Finseta invested approximately £1.1 million in platform development during the year and remains focused on scalable, account-based solutions rather than transactional revenue. Looking ahead, the company expects revenue growth to accelerate, anticipates becoming cash-flow positive during the second half of FY2026, and remains confident in delivering long-term shareholder value. Management believes its growing international footprint, strong regulatory position, and expanding corporate client base provide a significant competitive advantage and support future growth opportunities.