Funding Circle Holdings Limited (GB:FCH)
LSE:FCH
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 Range87.10 p - 176.80 p
Previous CloseN/A
Volume246.93K
Average Volume (3M)773.11K
Market Cap
£373.66M
Enterprise Value494.86M
Total Cash (Recent Filing)£447.00M
Total Debt (Recent Filing)£273.60M
Price to Earnings (P/E)8.6
Beta1.47
Next Earnings
Sep 03, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.13
Shares Outstanding299,518,370
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 Covering1
EPS Forecast (FY)0.08
Revenue Forecast (FY)£235.53M
Bulls Say, Bears Say
Bulls Say
Revenue & Profit RecoverySustained revenue growth and a return to positive net income indicate the platform is scaling its origination and servicing flows. Durable improvement in profitability supports reinvestment, product expansion and resiliency against cyclical downturns if maintained by consistent underwriting.
Fee-based Platform ModelA fee-driven origination and servicing model reduces capital intensity versus balance-sheet lending, enabling scalable revenue as volumes grow. This structurally diversifies income, supports margins as penetration rises, and limits direct credit exposure on the company balance sheet.
Customer Satisfaction & Product TractionVery high NPS and rising product revenues (FlexiPay growth, strong credit extension) show durable product-market fit and low churn. Loyal customers enable cross-sell, lower acquisition costs and predictable fee income as new offerings mature and early cohorts move toward positive cash contribution.
Bears Say
Negative Cash GenerationTwo consecutive years of negative operating and free cash flow weaken financial flexibility and raise dependence on external funding. Persistent cash burn constrains reinvestment, amplifies refinancing risk and can force tightened underwriting or higher funding costs if not reversed.
Rising And Variable LeverageA sharp increase in debt raises interest and refinancing exposure and lowers shock absorption if revenues falter. Historical volatility in leverage suggests management may rely on external funding cyclically, which heightens vulnerability to tighter credit markets or higher rates over the medium term.
Earnings Volatility & Loss-making SegmentMaterial losses in growing product lines (upfront marketing and credit costs) and a history of volatile profits reduce predictability of margins. If new products require ongoing subsidization, overall profitability and cash conversion could be impaired despite headline growth.
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 87.10 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 £373.66M.
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 158 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 0.133 p earnings per share for the quarter, beating the consensus estimate of N/A by 0.133 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 299,518,370 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 0.133 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
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
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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