Workplace Finance Leader Stream Hits £66.8m Revenue with 81% Year-on-Year Growth

Quick Summary

Workplace Finance leader Stream reported a 81% revenue surge to £66.8 million in FY2025. The platform now serves 4 million employees globally, achieving a positive EBITDA run rate while expanding its suite of savings, loans, and pension consolidation tools across the UK, US, and Europe.

How does Stream improve employee financial wellbeing?

Stream addresses the workplace finance gap by providing low-income workers with tools to avoid the "poverty premium." In 2025, the company saved 455,000 members a total of £40 million in unnecessary costs. Their Workplace Savings product has been particularly effective, with over 950,000 workers now using the platform to build financial cushions. Key metrics include:

• 340,000 first-time savers joined the platform by August 2026.
• £82 million in total savings balances held by year-end 2025.
• £87.85 average saving per person by reducing high-cost service premiums.

What results has Stream's lending and pension tech delivered?

The Workplace Finance platform uses real-time payroll and banking data to offer affordable workplace loans, bypassing traditional credit hurdles. This approach saved workers £24 million in APR and fees in 2025, with an average saving of £551 per loan compared to market alternatives. Furthermore, the acquisition of pensions technology company Zippen allowed Stream to:

• Launch the Find & Combine pension consolidation tool.
• Recover over £23 million in lost pension assets for members.
• Identify an average of £3,000 per person in previously unclaimed funds.

How is Stream scaling its global operations?

Stream is leveraging a £67 million Series D funding round to fuel international expansion. While UK revenue grew by a healthy 50%, international revenue skyrocketed 242%, proving the global demand for workplace finance solutions. The company now partners with over 2,000 major employers, including retail giants like Asda and Next, as well as the NHS. By reaching 4 million workers, Stream is positioning itself as the primary financial interface for the global workforce, moving closer to permanent profitability with its recent EBITDA break-even milestone.

FF NEWS TAKE:

Stream’s 81% growth proves that workplace finance is no longer a niche benefit but a core pillar of modern HR tech. By successfully integrating pensions technology and high-growth lending, Stream is moving the needle from simple earned wage access to a full-stack financial ecosystem. Their ability to scale internationally while maintaining B Corp values suggests they are the dominant force to watch in the employee wellbeing space.