Funding Circle Holdings Limited (GB:FCH)
LSE:FCH
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FCH Stock Chart & Stats
122.40 p
-1.50 p(-1.24%)
At close: 4:00 PM EST
122.40 p
-1.50 p(-1.24%)
Day’s Range― - ―
52-Week Range104.00 p - 176.80 p
Previous CloseN/A
Volume246.93K
Average Volume (3M)773.11K
Market Cap
£434.64M
Enterprise Value562.70M
Total Cash (Recent Filing)£447.00M
Total Debt (Recent Filing)£273.60M
Price to Earnings (P/E)8.6
Beta1.44
Next Earnings
Sep 03, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.13
Shares Outstanding298,753,080
10 Day Avg. Volume805,237
30 Day Avg. Volume773,110
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)1.74
Price to Sales (P/S)1.79
P/FCF Ratio-11.56
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£300.00Price Target Upside145.10% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.08
Revenue Forecast (FY)£234.90M
Bulls Say, Bears Say
Bulls Say
Fee-based Origination & Servicing ModelFunding Circle's asset-light, fee-driven model generates revenue from origination and servicing rather than holding loan interest. That structure supports scalable operating margins, lower capital intensity, and recurring servicing income, improving durability if origination volumes remain steady.
Recent Strong Revenue Growth And Return To ProfitabilityA 28% revenue rise in 2025 and a return to net profitability signal improved underwriting, pricing or demand. Sustained top-line expansion with positive earnings increases internal reinvestment capacity and supports ongoing servicing revenue, aiding medium-term business stability.
Meaningful Equity Buffer And Asset GrowthEquity of roughly £228m and year-over-year asset growth provide a capital cushion against credit losses and funding shocks. This capital base improves solvency and regulatory resilience, reducing near-term refinancing pressure and supporting operational continuity over several quarters.
Bears Say
Sustained Negative Operating And Free Cash FlowPersistent negative operating and free cash flow in 2024–2025 weakens funding self-sufficiency and forces reliance on external financing. Continued cash burn constrains strategic investment, increases refinancing needs, and elevates short-to-medium-term liquidity and execution risk if trends persist.
Sharp Rise And Variability In Debt LevelsDebt more than doubled year-over-year, materially increasing leverage and interest/rollover exposure. Historical variability in debt levels shows funding is volatile; higher indebtedness reduces financial flexibility and heightens vulnerability to tighter credit markets or weaker loan performance in coming months.
Volatile Earnings Quality And Profit SwingsMarked swings in profitability indicate sensitivity to credit cycles, origination volumes and underwriting outcomes. This volatility undermines predictability of margins and cash flows, complicates planning and raises execution risk for sustaining current profitability through economic fluctuations.
Funding Circle Holdings News
FCH FAQ
What was Funding Circle Holdings Limited’s price range in the past 12 months?
Funding Circle Holdings Limited lowest share price was 104.00 p and its highest was 176.80 p in the past 12 months.
What is Funding Circle Holdings Limited’s market cap?
Funding Circle Holdings Limited’s market cap is £434.64M.
When is Funding Circle Holdings Limited’s upcoming earnings report date?
Funding Circle Holdings Limited’s upcoming earnings report date is Sep 03, 2026 which is in 128 days.
How were Funding Circle Holdings Limited’s earnings last quarter?
Funding Circle Holdings Limited released its earnings results on Mar 05, 2026. The company reported 0.127 p earnings per share for the quarter, beating the consensus estimate of N/A by 0.127 p.
Is Funding Circle Holdings Limited overvalued?
According to Wall Street analysts Funding Circle Holdings Limited’s price is currently Undervalued.
Does Funding Circle Holdings Limited pay dividends?
Funding Circle Holdings Limited does not currently pay dividends.
What is Funding Circle Holdings Limited’s EPS estimate?
Funding Circle Holdings Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Funding Circle Holdings Limited have?
Funding Circle Holdings Limited has 298,753,080 shares outstanding.
What happened to Funding Circle Holdings Limited’s price movement after its last earnings report?
Funding Circle Holdings Limited reported an EPS of 0.127 p in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -4.795%.
Which hedge fund is a major shareholder of Funding Circle Holdings Limited?
Currently, no hedge funds are holding shares in GB:FCH
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Funding Circle Holdings Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
£300.00 (145.10% Upside)
£300.00 (145.10% Upside)
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-16.31%
12-Months-Change
Fundamentals
Return on Equity
21.54%
Trailing 12-Months
Asset Growth
49.69%
Trailing 12-Months
Company Description
Funding Circle Holdings Limited
Funding Circle Holdings plc, together with its subsidiaries, provides online lending platforms in the United Kingdom, the United States, and internationally. The company offers small business loans, recovery loan schemes, and business finance solutions to small and medium enterprises. It also provides flexipay and flexipay card solutions. The company acts as a special purpose bankruptcy remote entity that issues loan payment dependent debt securities to accredited investors. Funding Circle Holdings plc was incorporated in 2010 and is based in London, the United Kingdom.
FCH Stock 12 Month Forecast
Average Price Target
300.00 p
▲(145.10% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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