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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 - 176.80 p
Previous CloseN/A
Volume246.93K
Average Volume (3M)773.11K
Market Cap
£423.22M
Enterprise Value521.91M
Total Cash (Recent Filing)£447.00M
Total Debt (Recent Filing)£273.60M
Price to Earnings (P/E)10.0
Beta1.04
Next Earnings
Sep 03, 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 ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.08
Revenue Forecast (FY)£234.63M
Bulls Say, Bears Say
Bulls Say
Strong 2025 Revenue GrowthA 28% revenue increase and a return to profit in 2025 indicate improving demand and better unit economics across the SME lending platform. This supports reinvestment in underwriting, technology and partner distribution, and implies durable revenue momentum if credit trends remain stable.
Diversified Fee And Interest ModelA blend of origination, servicing, partner and net interest income creates multiple recurring revenue streams. Fee-based servicing and partner distribution are structurally more stable than one-off origination fees, supporting revenue resilience and scalable margins as volumes grow.
Equity Buffer And Asset GrowthEquity of ~£228m provides a capital cushion to absorb credit losses and support on-balance-sheet lending. Asset growth versus prior year signals platform scale expansion, improving ability to spread fixed costs and sustain underwriting investment over the medium term.
Bears Say
Sharply Higher LeverageA rapid increase in debt materially raises refinancing and liquidity risk, reducing financial flexibility. If operating performance softens or funding conditions tighten, higher leverage amplifies strain on the balance sheet and could force costly capital raises or deleveraging actions.
Negative Operating And Free Cash FlowSustained cash burn despite a return to accounting profit increases dependence on external funding for operations and growth. Weak cash conversion limits the firm’s ability to self-fund loan growth, repay debt, or invest in product and underwriting without raising costly capital.
Volatile Earnings HistoryPronounced swings in profitability highlight sensitivity to credit cycles, underwriting choices and funding cost variability. This volatility undermines predictability of margins and provisioning, complicating capital planning and making sustainable earnings harder to rely on.
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 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 £423.22M.
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 64 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 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, 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:
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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 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.
FCH Stock 12 Month Forecast
Average Price Target
―Technical Analysis
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Options Prices
Currently, No data available
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