PFCT Technologies (PFCT), an online investment-linked finance company, on Tuesday released its "2025 PFCT Corporate and Professional Investor Trends and Product Use Patterns" report. The analysis was based on data from active corporate and professional investors who invested at least once during 2025.

Corporate investment totaled 63.2 billion won in 2023, 382.4 billion won in 2024 and 600.2 billion won in 2025, rising for a third consecutive year, the report showed.

Alongside the increase in investment volume, the 2025 weighted average return was 12.09 percent and the loss rate was near zero, while the reinvestment rate reached 97.5 percent. The number of active corporate and professional investors who invested at least once a year rose to 285 in 2025 from 237 in 2024. The average monthly investment amount increased to 175.49 million won from 137.22 million won.

By investment size, 41 percent of corporations managed 100 million won to less than 500 million won, the biggest share, while 23 percent managed at least 1 billion won. In 2025, the maximum investment by a single corporation surpassed 100 billion won for the first time, suggesting online investment-linked finance has begun to take hold at some companies as a core financial management destination rather than a short-term alternative.

The product category that drove the growth in corporate investment was apartment-backed investment. Corporate investment in the category rose by more than 1.8 times from 2024 in 2025.

As of Dec. 31, 2025, the top three corporate portfolios by investment balance all focused on stability centered on apartment-backed investment while posting weighted average returns of at least 10 percent. These corporations used diversification strategies by loan-to-value bands within apartment-backed investment. The No. 1 and No. 2 corporations in the financial industry allocated 100 percent of funds to apartment-backed investment and managed risk by combining conservative (LTV under 40 percent), mid-return (40 percent to under 60 percent) and high-return (LTV 60 percent or higher) types.

Corporate investors’ preference for apartment-backed investment products reflects a safety mechanism for recovery through purchase commitments and expectations of double-digit returns. PFCT last year applied purchase commitments as a basic and expanded feature to its apartment-backed investment products and offered various investment periods such as 6, 12 and 24 months, enabling predictable cash-flow design.

Baek Kun-woo (백건우), executive director overseeing PFCT's online investment-linked finance business, said the third straight year of growth in corporate investment and stable usage patterns show online investment-linked finance is becoming a choice for corporate fund management. He said the company will strengthen its position as an alternative investment destination corporate investors can trust by advancing AI-based risk management and building multilayer safety mechanisms.