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Funding Circle Holdings Limited (GB:FCH)
LSE:FCH
UK Market

Funding Circle Holdings (FCH) Ratios

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Funding Circle Holdings Ratios

GB:FCH's free cash flow for Q4 2025 was £0.91. For the 2025 fiscal year, GB:FCH's free cash flow was decreased by £ and operating cash flow was £0.11. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
1.70 1.70 2.28 2.64 4.38
Quick Ratio
1.70 1.70 2.26 2.64 5.47
Cash Ratio
0.57 0.57 1.39 1.88 2.79
Solvency Ratio
0.17 0.15 0.07 -0.17 0.08
Operating Cash Flow Ratio
-0.13 -0.13 -0.50 -0.22 -0.16
Short-Term Operating Cash Flow Coverage
-0.13 -0.13 -0.66 -0.47 -0.44
Net Current Asset Value
£ 151.00M£ 151.00M£ 165.90M£ 184.00M£ 179.30M
Leverage Ratios
Debt-to-Assets Ratio
0.51 0.51 0.31 0.19 0.17
Debt-to-Equity Ratio
1.20 1.20 0.51 0.28 0.23
Debt-to-Capital Ratio
0.55 0.55 0.34 0.22 0.19
Long-Term Debt-to-Capital Ratio
0.00 0.00 0.00 <0.01 0.07
Financial Leverage Ratio
2.35 2.35 1.65 1.51 1.35
Debt Service Coverage Ratio
0.19 0.17 0.05 -0.28 0.41
Interest Coverage Ratio
0.00 0.00 0.00 0.00 25.56
Debt to Market Cap
0.70 0.68 0.20 0.41 0.24
Interest Debt Per Share
0.91 0.87 0.29 0.20 0.19
Net Debt to EBITDA
4.56 5.97 -14.46 14.75 -27.22
Profitability Margins
Gross Profit Margin
79.65%89.89%57.46%47.42%44.89%
EBIT Margin
9.36%9.12%2.62%-20.82%-7.13%
EBITDA Margin
12.09%9.12%3.37%-7.94%2.63%
Operating Profit Margin
17.22%9.17%16.93%5.24%14.77%
Pretax Profit Margin
9.22%9.12%0.50%-7.63%-8.29%
Net Profit Margin
20.90%20.67%5.37%-29.53%-4.43%
Continuous Operations Profit Margin
20.90%20.67%0.19%-6.32%-4.43%
Net Income Per EBT
226.60%226.60%1075.00%386.87%53.49%
EBT Per EBIT
53.56%99.51%2.95%-145.59%-56.09%
Return on Assets (ROA)
8.58%8.58%2.40%-10.26%-1.80%
Return on Equity (ROE)
21.54%20.14%3.97%-15.52%-2.43%
Return on Capital Employed (ROCE)
14.21%7.65%12.16%2.66%7.18%
Return on Invested Capital (ROIC)
7.07%3.81%3.11%2.14%3.50%
Return on Tangible Assets
8.94%8.94%2.55%-10.94%-1.94%
Earnings Yield
11.44%11.57%1.68%-27.77%-3.60%
Efficiency Ratios
Receivables Turnover
19.14 19.35 400.25 324.25 1.63
Payables Turnover
0.00 0.00 37.83 28.42 1.88
Inventory Turnover
0.00 0.00 35.84 0.00 -0.07
Fixed Asset Turnover
27.86 28.16 16.68 25.94 15.57
Asset Turnover
0.41 0.42 0.45 0.35 0.41
Working Capital Turnover Ratio
1.27 1.23 0.88 0.64 0.72
Cash Conversion Cycle
19.07 18.87 1.45 -11.72 -5.34K
Days of Sales Outstanding
19.07 18.87 0.91 1.13 224.11
Days of Inventory Outstanding
0.00 0.00 10.18 0.00 -5.37K
Days of Payables Outstanding
0.00 0.00 9.65 12.84 194.15
Operating Cycle
19.07 18.87 11.10 1.13 -5.14K
Cash Flow Ratios
Operating Cash Flow Per Share
-0.11 -0.11 -0.18 -0.07 -0.03
Free Cash Flow Per Share
-0.11 -0.11 -0.18 -0.11 -0.07
CapEx Per Share
<0.01 <0.01 <0.01 0.04 0.04
Free Cash Flow to Operating Cash Flow
1.02 1.02 1.04 1.47 2.34
Dividend Paid and CapEx Coverage Ratio
-56.33 -56.33 -23.24 -2.10 -0.75
Capital Expenditure Coverage Ratio
-56.33 -56.33 -23.24 -2.10 -0.75
Operating Cash Flow Coverage Ratio
-0.12 -0.12 -0.62 -0.37 -0.16
Operating Cash Flow to Sales Ratio
-0.15 -0.15 -0.42 -0.20 -0.07
Free Cash Flow Yield
-8.98%-8.65%-13.73%-27.33%-12.67%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
8.74 8.64 59.55 -3.60 -27.79
Price-to-Sales (P/S) Ratio
1.74 1.79 3.20 1.06 1.23
Price-to-Book (P/B) Ratio
1.76 1.74 2.37 0.56 0.68
Price-to-Free Cash Flow (P/FCF) Ratio
-11.14 -11.56 -7.29 -3.66 -7.89
Price-to-Operating Cash Flow Ratio
-11.89 -11.76 -7.60 -5.39 -18.44
Price-to-Earnings Growth (PEG) Ratio
0.02 <0.01 -0.59 >-0.01 0.25
Price-to-Fair Value
1.76 1.74 2.37 0.56 0.68
Enterprise Value Multiple
18.97 25.56 80.38 1.36 19.54
Enterprise Value
504.48M 518.85M 434.05M -13.98M 80.13M
EV to EBITDA
18.97 25.56 80.38 1.36 19.54
EV to Sales
2.29 2.33 2.71 -0.11 0.51
EV to Free Cash Flow
-14.67 -15.08 -6.17 0.37 -3.30
EV to Operating Cash Flow
-14.93 -15.35 -6.44 0.55 -7.70
Tangible Book Value Per Share
0.69 0.66 0.51 0.65 0.73
Shareholders’ Equity Per Share
0.76 0.73 0.57 0.72 0.81
Tax and Other Ratios
Effective Tax Rate
-1.27 -1.27 0.63 -0.52 0.47
Revenue Per Share
0.73 0.71 0.42 0.38 0.45
Net Income Per Share
0.15 0.15 0.02 -0.11 -0.02
Tax Burden
2.27 2.27 10.75 3.87 0.53
Interest Burden
0.99 1.00 0.19 0.37 1.16
Research & Development to Revenue
0.00 0.00 0.07 0.00 0.06
SG&A to Revenue
0.04 0.00 0.05 0.03 >-0.01
Stock-Based Compensation to Revenue
0.01 0.00 0.05 0.04 0.03
Income Quality
-0.73 -0.73 -7.84 0.67 0.81
Currency in GBP