State of European FinTech, 2026 Edition
By Finch Capital ·
Finch Capital's annual review finds that funding at the top European fintech hubs grew 37 percent between 2018–21 and 2022–25, while the top US hubs fell 13 percent. The UK took 70 percent of European fintech deal value in 2025, with UK value up 38 percent against falls in Germany and France, and regulatory and compliance plus CFO-office tools lead new AI fintech formation.
Key figures
| Figure | Value | Source |
|---|---|---|
| Funding value growth, top European vs top US fintech hubs (2018-21 vs 2022-25) | +37% vs -13% | p. 6 |
| UK share of European VC/growth fintech deal value, 2025 | 70% | p. 7 |
| Deal value change in 2025 | UK +38%, Germany -42%, France -24% | p. 7 |
| Funding-to-exit value ratio, CFO Office and Regulatory & Compliance | 2.5x | p. 5 |
| Top sectors for AI fintech formation | Regulatory & Compliance 25%, CFO Office 19% | p. 5 |
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