2026 Scenario Builder

May–Dec 2026 forecast built from 2025 actuals · Jan–Apr 2026 actuals locked

Entities

Consolidated · UK + TR + HH

FY 2026 GBV growth (YoY)

−20% −10% 0% +10% +20% +30% +40% +50%

Current: +0.0% FY 2025: — · 0% = no growth

FY 2026 GBV

£67m

Remaining: —

FY 2026 Net revenue

9.0% 9.5% 10.0% 10.5% 11.0% 11.5% 12.0%

Take rate: 10.20% 2025: 10.26% · 2026 YTD: —

FY 2026 NR

£8.6m

Remaining: —

FY 2025 actual vs FY 2026 expected

FY 2025 actual on the left, then FY 2026 monthly. Jan–Apr 2026 are locked at actual results; May–Dec 2026 are scenario-driven via GBV growth and NR take rate. Cost lines from FY 2026 budget; Interest fee fixed per entity (UK £21.3k/mo, TR £0, HH £19.2k/mo). Click "Admin expenses" to expand the 10-line breakdown.

Jan–Apr 2026 actual

May–Dec 2026 forecast