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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 Range113.20 p - 232.50 p
Previous CloseN/A
Volume246.93K
Average Volume (3M)773.11K
Market Cap
£554.59M
Enterprise Value239.70 p
Total Cash (Recent Filing)£447.00M
Total Debt (Recent Filing)£273.60M
Price to Earnings (P/E)13.0
Beta1.15
Next Earnings
Sep 08, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.15
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 TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.1
Revenue Forecast (FY)£246.18M
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained high revenue growth (+28% in 2025) indicates expanding platform usage and stronger loan origination volumes. Over a 2–6 month horizon this supports durable top-line momentum, economies of scale in servicing, and a larger fee base that can underpin sustainable operating leverage.
Return To ProfitabilityA shift back to positive net income and solid operating profit in 2025 reflects improved underwriting or margin capture. Durable profitability enhances self-funding potential, reduces reliance on external capital, and signals that the core lending platform can produce recurring earnings if credit trends remain stable.
Diversified Revenue ModelMultiple revenue streams across origination, net interest, servicing and partner/distribution reduce single-channel dependence. This structural mix supports margin resilience across credit cycles, allows scaling via partners, and provides recurring servicing fees that are less sensitive to loan seasoning than pure origination income.
Bears Say
Weak Cash GenerationTwo consecutive years of negative operating and free cash flow materially weaken financial flexibility. Persistent cash burn increases reliance on external funding, raises refinancing risk, and limits the company’s ability to invest or absorb shocks, making the business more vulnerable if lending conditions tighten.
Rising LeverageSharp increase in debt reduces balance-sheet resilience and raises interest and rollover exposure. Higher leverage constrains strategic options, amplifies funding-cost sensitivity, and, given historically variable debt levels, creates meaningful refinancing and liquidity risk if originations or credit performance weaken.
Earnings VolatilityA history of large swings in profitability and inconsistent margins undermines predictability of earnings and cash flow. This volatility complicates long-term planning, increases the cost of capital, and means that recent profits may be less durable if underwriting, credit cycles, or funding conditions deteriorate.
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 113.20 p and its highest was 232.50 p in the past 12 months.
What is Funding Circle Holdings Limited’s market cap?
Funding Circle Holdings Limited’s market cap is £554.59M.
When is Funding Circle Holdings Limited’s upcoming earnings report date?
Funding Circle Holdings Limited’s upcoming earnings report date is Sep 08, 2026 which is in 48 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, missing the consensus estimate of N/A by N/A.
Is Funding Circle Holdings Limited overvalued?
According to Wall Street analysts Funding Circle Holdings Limited’s price is currently Overvalued.
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, missing 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
1
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3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
-16.31%
12-Months-Change
Fundamentals
Return on Equity
―
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 and internationally. The company offers small business loans, recovery loan schemes, government backed loans, business credit cards, and business finance solutions to small enterprises. It also provides flexipay and flexipay card solutions. In addition, the company offers asset, vehicle, agricultural, and equipment finance services. Funding Circle Holdings plc was incorporated in 2010 and is based in London, the United Kingdom.
Technical Analysis
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