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

Funding Circle Holdings (FCH) AI Stock Analysis

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GB:FCH

Funding Circle Holdings

(LSE:FCH)

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Neutral 64 (OpenAI - 4o)
Rating:64Neutral
Price Target:
134.00p
▲(8.41% Upside)
Funding Circle Holdings Limited shows a mixed financial performance with positive profitability recovery but challenges in revenue stability and cash flow. The technical indicators suggest a neutral trend, while the valuation is moderate. The earnings call was positive, highlighting growth and customer satisfaction, but macroeconomic challenges remain. The share buyback program is a positive corporate event, indicating confidence in the company's future.
Positive Factors
Revenue Growth
The consistent revenue growth indicates strong market demand and effective business strategies, enhancing long-term financial stability.
Customer Satisfaction
High customer satisfaction scores reflect a strong brand reputation and customer loyalty, crucial for sustained business success.
Product Innovation
Ongoing product innovation and expansion into new segments can drive future growth and competitive advantage.
Negative Factors
Cash Flow Challenges
Negative cash flows indicate potential liquidity issues, which could limit operational flexibility and growth investments.
Increased Leverage
Higher leverage can increase financial risk, potentially affecting the company's ability to invest in growth and weather economic downturns.
Macroeconomic Challenges
Economic challenges can impact business confidence and investment, potentially slowing down growth and affecting loan demand.

Funding Circle Holdings (FCH) vs. iShares MSCI United Kingdom ETF (EWC)

Funding Circle Holdings Business Overview & Revenue Model

Company DescriptionFunding Circle Holdings (FCH) is a leading online marketplace that connects small businesses seeking loans with investors looking to fund those loans. Founded in 2010, the company operates primarily in the financial technology sector, focusing on providing accessible funding options to small and medium-sized enterprises (SMEs) across various industries. FCH's core products include business loans, which can be customized based on the needs of the borrowers, thereby facilitating growth and development for small businesses while offering investors an opportunity to earn competitive returns.
How the Company Makes MoneyFunding Circle generates revenue through several key streams: primarily through loan origination fees charged to borrowers when they take out loans. This fee is typically a percentage of the total loan amount. Additionally, the company earns servicing fees from investors for managing their investments in the loans, which can include ongoing administration and collection services. Furthermore, Funding Circle may also receive interest income from the loans it finances, depending on its specific investment structures. Partnerships with banks and institutional investors further enhance its funding capabilities, allowing the company to scale its operations and increase loan offerings, thereby contributing to its overall earnings.

Funding Circle Holdings Earnings Call Summary

Earnings Call Date:Sep 04, 2025
(Q2-2025)
|
% Change Since: |
Next Earnings Date:Mar 05, 2026
Earnings Call Sentiment Positive
The earnings call reflects a generally positive outlook with strong revenue and profit growth, successful product expansion, and high customer satisfaction. However, challenges in the macroeconomic environment and losses in the FlexiPay segment present areas to watch.
Q2-2025 Updates
Positive Updates
Profitable Growth and Revenue Increase
Funding Circle achieved a 17% year-on-year revenue growth to GBP 92.3 million, with profit before tax rising to GBP 6 million from GBP 0.5 million a year prior.
Significant Credit Extension
Credit extended grew over 20% year-on-year to GBP 1.1 billion in the first half of the year, supporting over 87,000 jobs and contributing GBP 7.2 billion in GDP.
FlexiPay Revenue Surge
FlexiPay revenue more than doubled, with transactions growing 66% year-on-year to GBP 375 million, and early cohorts now delivering positive cash flow.
High Customer Satisfaction
Industry-leading NPS of 81 and Trustpilot score of 4.6, driven by a superior customer experience and a slick 6-minute loan application process.
Successful Share Buyback Program
Since March 2024, GBP 75 million worth of share buybacks have been announced, buying back nearly 15% of the initial share capital.
Strong Cash Balance
The company maintains a strong cash balance of GBP 115 million, supporting investment and growth initiatives.
Product Innovation and Expansion
Continued innovation with product feature improvements and expansion into new customer segments, including a new short-term loan offering.
Negative Updates
Challenging Macroeconomic Environment
The broader economic backdrop remains challenging with flat inflation-adjusted GDP, low consumer and business confidence, and business insolvencies above their long-term trend.
Uncertain Market Conditions
Ongoing uncertainty around budget and macroeconomic conditions may be causing a slowdown in decision-making for long-term investments by SMEs.
FlexiPay and Credit Card Losses
Despite strong growth, the FlexiPay and cashback credit card reported a loss of GBP 6.7 million for the half due to upfront marketing and credit loss costs.
Company Guidance
In the recent call discussing Funding Circle's half-year results for 2025, significant growth metrics were highlighted. The company saw a 20% year-on-year increase in credit extended, totaling GBP 1.1 billion, and a 17% rise in revenue, reaching GBP 92.3 million. Notably, Profit Before Tax (PBT) improved to GBP 6 million, a significant jump from GBP 0.5 million the previous year, with term loans contributing GBP 12.7 million to PBT, reflecting a 38% growth. FlexiPay revenue more than doubled, and the company reported strong customer satisfaction with a Net Promoter Score (NPS) of 81 and a Trustpilot score of 4.6. Future projections remain promising, with expectations of over GBP 200 million in revenue and GBP 30 million in PBT by 2026, supported by a robust pipeline of GBP 1.8 billion in future funding commitments. Additionally, the company has a strong cash balance of GBP 115 million and has completed significant share buybacks, purchasing 15% of its initial share capital since March 2024.

Funding Circle Holdings Financial Statement Overview

Summary
Funding Circle Holdings Limited shows mixed financial performance. Positive net income and improved profitability margins are encouraging, but revenue volatility and cash flow challenges are concerning. The balance sheet is strong, but increased leverage poses a risk.
Income Statement
62
Positive
The company showed improvement in its profitability with a positive net income in the latest year. However, revenue growth has been volatile with a decrease in the most recent year. The gross profit margin improved from the previous year, indicating better cost management. The EBIT and EBITDA margins turned positive, reflecting a recovery from previous losses.
Balance Sheet
70
Positive
The balance sheet reveals a healthy equity ratio, indicating strong capitalization. However, the debt-to-equity ratio increased, showing a reliance on debt financing. Return on equity improved with the return to profitability, but the overall leverage could pose risks if not managed carefully.
Cash Flow
55
Neutral
The cash flow statement highlights challenges with negative operating and free cash flows, potentially impacting liquidity. The operating cash flow to net income ratio is negative, suggesting that profitability is not translating into cash flow. The company needs to improve cash generation to sustain operations without relying on external financing.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue173.30M160.10M129.70M155.70M219.20M244.70M
Gross Profit110.90M92.00M61.50M69.90M157.80M222.00M
EBITDA12.70M5.40M-10.30M4.10M82.00M-70.40M
Net Income26.90M8.60M-38.30M-6.90M61.20M-108.30M
Balance Sheet
Total Assets405.90M358.00M373.20M384.00M565.90M782.20M
Cash, Cash Equivalents and Short-Term Investments148.60M187.60M290.00M246.80M375.30M604.90M
Total Debt177.80M109.50M69.50M66.10M237.40M520.60M
Total Liabilities207.20M141.50M126.40M100.00M277.90M564.60M
Stockholders Equity198.70M216.50M246.80M284.00M288.00M217.60M
Cash Flow
Free Cash Flow-50.40M-70.30M-37.70M-24.30M90.70M22.80M
Operating Cash Flow-49.40M-67.40M-25.60M-10.40M100.10M33.10M
Investing Cash Flow-40.10M23.30M66.40M162.00M310.90M22.20M
Financing Cash Flow45.90M10.20M3.70M-201.70M-291.20M-116.20M

Funding Circle Holdings Technical Analysis

Technical Analysis Sentiment
Positive
Last Price123.60
Price Trends
50DMA
124.64
Negative
100DMA
129.28
Negative
200DMA
121.99
Positive
Market Momentum
MACD
-0.39
Negative
RSI
49.98
Neutral
STOCH
37.04
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:FCH, the sentiment is Positive. The current price of 123.6 is above the 20-day moving average (MA) of 122.16, below the 50-day MA of 124.64, and above the 200-day MA of 121.99, indicating a neutral trend. The MACD of -0.39 indicates Negative momentum. The RSI at 49.98 is Neutral, neither overbought nor oversold. The STOCH value of 37.04 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:FCH.

Funding Circle Holdings Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
£213.25M10.698.41%5.28%-11.17%6.04%
76
Outperform
20.20%6.12%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
67
Neutral
£439.30M6.1314.70%4.70%-7.52%50.23%
64
Neutral
£383.60M21.903.93%7.90%
61
Neutral
£289.15M-16.30%-3.77%-147.20%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:FCH
Funding Circle Holdings
123.60
-9.40
-7.07%
GB:HAT
H&T Group plc
650.00
305.96
88.93%
GB:IPF
International Personal Finance
207.00
88.03
73.99%
GB:VANQ
Vanquis Banking Group
111.40
63.30
131.60%
GB:SUS
S&U plc
1,990.00
606.43
43.83%
GB:ASAI
ASA International Group PLC
200.00
123.90
162.81%

Funding Circle Holdings Corporate Events

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buy-Back to Optimize Capital Structure
Neutral
Dec 5, 2025

Funding Circle Holdings plc has repurchased 59,506 of its ordinary shares on the London Stock Exchange as part of its ongoing share buy-back program. This transaction, executed through Investec Bank plc, reflects the company’s strategy to manage its capital structure and potentially enhance shareholder value by holding these shares in treasury, which may influence voting rights calculations for stakeholders.

Stock Buyback
Funding Circle Executes Share Buyback to Enhance Shareholder Value
Neutral
Dec 4, 2025

Funding Circle Holdings plc has executed a share buyback transaction, purchasing 60,281 of its own ordinary shares on the London Stock Exchange at an average price of 124.7019 pence per share. This move is part of a previously announced buy-back program, and the acquired shares will be held in treasury, impacting the company’s share capital and potentially influencing shareholder value.

Stock Buyback
Funding Circle Executes Share Buyback to Enhance Shareholder Value
Positive
Dec 3, 2025

Funding Circle Holdings plc has executed a share buyback program, purchasing 59,976 of its own ordinary shares from Investec Bank plc on the London Stock Exchange. The shares were acquired at a volume-weighted average price of 123.4701 pence per share and will be held in treasury. This move is part of a previously announced buy-back initiative, which may enhance shareholder value by reducing the number of shares in circulation and potentially increasing earnings per share.

Stock Buyback
Funding Circle Executes Share Buy-Back on LSE
Neutral
Dec 2, 2025

Funding Circle Holdings plc has executed a share buy-back transaction, purchasing 41,825 of its own ordinary shares on the London Stock Exchange at a volume-weighted average price of 123.0076 pence per share. This move is part of the company’s previously announced buy-back program and is intended to hold these shares in treasury, which impacts the total voting rights and share capital structure, potentially influencing shareholder interests and market perception.

Stock Buyback
Funding Circle Executes Share Buy-Back on London Stock Exchange
Neutral
Dec 1, 2025

Funding Circle Holdings plc has executed a buy-back of 26,424 of its own ordinary shares on the London Stock Exchange, as part of a previously announced buy-back program. The shares, purchased at a volume-weighted average price of 124.4632 pence, will be held in treasury, potentially impacting the company’s share capital structure and shareholder voting rights.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buy-Back to Optimize Capital Structure
Positive
Nov 28, 2025

Funding Circle Holdings plc announced a transaction in its own shares, purchasing 16,611 ordinary shares on the London Stock Exchange as part of a buy-back program. The shares were acquired at a volume-weighted average price of 125.5316 pence per share and will be held in treasury. This move is part of the company’s strategy to manage its share capital, potentially enhancing shareholder value and adjusting the supply of shares in the market.

Regulatory Filings and Compliance
Funding Circle Announces Total Voting Rights Update
Neutral
Nov 28, 2025

Funding Circle Holdings plc announced its total issued listed share capital as of 28 November 2025, which includes 304,741,576 ordinary shares, with 1,402,623 held in Treasury, leaving 303,338,953 shares with voting rights. This update is crucial for shareholders to determine their major interest in the company under the Disclosure Guidance and Transparency Rules.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buy-Back to Enhance Capital Structure
Neutral
Nov 27, 2025

Funding Circle Holdings plc has executed a buy-back of 20,029 ordinary shares from Investec Bank plc on the London Stock Exchange, as part of its previously announced share buy-back program. The shares were purchased at a volume-weighted average price of 123.7616 pence per share and will be held in treasury. This transaction increases the company’s treasury shares to 1,462,837, while the total issued share capital stands at 304,741,576 shares. The buy-back is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buy-Back on LSE
Neutral
Nov 26, 2025

Funding Circle Holdings plc has executed a buy-back of 40,185 ordinary shares on the London Stock Exchange, as part of its previously announced share buy-back program. The shares were purchased at a volume-weighted average price of 121.4842 pence per share and will be held in treasury. This transaction is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value.

Stock Buyback
Funding Circle Executes Share Buy-Back on LSE
Neutral
Nov 25, 2025

Funding Circle Holdings plc has repurchased 63,702 of its own ordinary shares on the London Stock Exchange as part of a buy-back program announced earlier in the year. The shares were bought at a volume-weighted average price of 117.4269 pence per share and will be held in treasury, potentially impacting the company’s share capital structure and shareholder voting rights.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buy-Back to Optimize Capital Structure
Positive
Nov 24, 2025

Funding Circle Holdings plc has repurchased 63,339 of its own ordinary shares from Investec Bank plc as part of a buy-back program announced earlier this year. The shares were acquired at a volume-weighted average price of 117.8136 pence per share and will be held in treasury. This transaction is part of a strategic move to manage the company’s capital structure and potentially enhance shareholder value by reducing the number of shares in circulation, which could positively impact earnings per share.

Stock Buyback
Funding Circle Executes Share Buy-Back
Neutral
Nov 21, 2025

Funding Circle Holdings plc, a company listed on the London Stock Exchange, has executed a buy-back of 62,717 of its own ordinary shares from Investec Bank plc. The shares were purchased at a volume-weighted average price of 116.7580p and will be held in treasury, increasing the company’s treasury shares to 1,275,582. This transaction is part of a previously announced buy-back program and affects the total voting rights in the company, which now stands at 303,465,994 ordinary shares.

Stock Buyback
Funding Circle Executes Share Buyback on LSE
Neutral
Nov 20, 2025

Funding Circle Holdings plc has executed a share buyback transaction, purchasing 61,065 ordinary shares on the London Stock Exchange at an average price of 120.2396 pence per share. This move, part of a buy-back program announced earlier in May 2025, aims to hold these shares in treasury, impacting the company’s total voting rights and share capital structure.

Stock Buyback
Funding Circle Executes Share Buyback to Optimize Capital Structure
Positive
Nov 19, 2025

Funding Circle Holdings plc has executed a share buyback, purchasing 15,533 ordinary shares on the London Stock Exchange from Investec Bank plc. The shares, bought at an average price of 121.0716 pence, will be held in treasury, increasing the company’s treasury shares to 1,151,800. This move is part of a previously announced buyback program, potentially enhancing shareholder value and optimizing the company’s capital structure.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buy-Back to Optimize Capital Structure
Neutral
Nov 18, 2025

Funding Circle Holdings plc announced the purchase of 41,972 of its own ordinary shares on the London Stock Exchange as part of its share buy-back program. This transaction, executed at an average price of 120.1618p per share, reflects the company’s strategy to manage its capital structure effectively. The acquired shares will be held in treasury, impacting the total voting rights and share capital structure, which may influence shareholder decisions under regulatory guidelines.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buyback to Enhance Capital Structure
Positive
Nov 17, 2025

Funding Circle Holdings plc has executed a share buyback transaction, purchasing 47,586 of its own ordinary shares on the London Stock Exchange. This move is part of a previously announced buyback program, and the shares will be held in treasury. The transaction reflects the company’s strategy to manage its capital structure and potentially enhance shareholder value.

Stock Buyback
Funding Circle Executes Share Buy-Back on LSE
Neutral
Nov 14, 2025

Funding Circle Holdings plc has executed a buy-back of its own shares, purchasing 47,564 ordinary shares on the London Stock Exchange at an average price of 123.2783 pence per share. This transaction is part of a previously announced buy-back program and the shares will be held in treasury, which may impact the company’s share capital structure and voting rights calculations for stakeholders.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buy-Back to Enhance Treasury Holdings
Neutral
Nov 13, 2025

Funding Circle Holdings plc announced the purchase of 29,983 of its own ordinary shares on the London Stock Exchange as part of a buy-back program. This move is intended to hold the shares in treasury, increasing the company’s treasury shares to 999,145. The transaction reflects the company’s strategic efforts to manage its share capital, potentially impacting shareholder value and market perception.

Shareholder MeetingsBusiness Operations and Strategy
Funding Circle Engages Shareholders Post-AGM on Share Issuance Concerns
Neutral
Nov 13, 2025

Funding Circle Holdings plc recently engaged with shareholders following significant votes against resolutions at its 2025 AGM. The dissenting votes, primarily due to concerns over potential dilution and the lack of specific transactions tied to share issuance authority, prompted the company to consider future pre-approval of specific share issuances. The Board believes the flexibility of the resolutions aligns with the company’s best interests and will continue to engage with shareholders, providing further updates in the 2025 Annual Report.

Stock Buyback
Funding Circle Executes Share Buy-Back to Strengthen Capital Structure
Positive
Nov 12, 2025

Funding Circle Holdings plc has executed a buy-back of 15,497 ordinary shares on the London Stock Exchange, as part of its ongoing share buy-back program announced earlier in May. This transaction, conducted through Investec Bank plc, is intended to consolidate the company’s capital structure by holding the purchased shares in treasury, thereby potentially enhancing shareholder value and stabilizing the company’s market position.

Stock Buyback
Funding Circle Executes Share Buy-Back to Adjust Capital Structure
Neutral
Nov 11, 2025

Funding Circle Holdings plc announced the purchase of 23,612 of its own ordinary shares on the London Stock Exchange as part of a buy-back program. This move is intended to hold these shares in treasury, impacting the company’s total voting rights and share capital structure, which may influence shareholder calculations under regulatory guidelines.

Stock Buyback
Funding Circle Executes Share Buy-Back on LSE
Neutral
Nov 10, 2025

Funding Circle Holdings plc has executed a buy-back of 48,390 ordinary shares on the London Stock Exchange, with the highest price paid per share being 128.40p and a volume-weighted average price of 127.0110p. This transaction is part of a previously announced buy-back program, and the purchased shares will be held in treasury, affecting the total voting rights and share capital structure of the company.

Stock Buyback
Funding Circle Executes Share Buy-Back on LSE
Neutral
Nov 7, 2025

Funding Circle Holdings plc has executed a buy-back of 41,752 ordinary shares on the London Stock Exchange, with the highest price paid per share being 125.40 pence and the lowest at 122.00 pence. This transaction is part of a previously announced buy-back program, and the purchased shares will be held in treasury, impacting the total voting rights and share capital structure of the company.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buy-Back to Optimize Capital Structure
Positive
Nov 6, 2025

Funding Circle Holdings plc announced the repurchase of 64,982 of its own ordinary shares from Investec Bank plc as part of a buy-back program. This transaction, executed on the London Stock Exchange, is part of the company’s strategy to manage its share capital effectively, holding the repurchased shares in treasury. The move reflects the company’s ongoing efforts to optimize its capital structure and potentially enhance shareholder value.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buy-Back to Enhance Capital Structure
Positive
Nov 5, 2025

Funding Circle Holdings plc has executed a buy-back of 54,637 of its own ordinary shares on the London Stock Exchange, as part of a previously announced buy-back program. The shares were purchased at a volume-weighted average price of 130.4469 pence per share and will be held in treasury. This transaction is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value, reflecting a proactive approach to financial management and market positioning.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buyback to Enhance Capital Structure
Positive
Nov 4, 2025

Funding Circle Holdings plc has executed a share buyback program, purchasing 64,423 of its own ordinary shares on the London Stock Exchange from Investec Bank plc. This move is part of a previously announced buy-back initiative aimed at consolidating its share capital. The purchased shares will be held in treasury, increasing the total number of treasury shares to 720,292, while the total issued share capital stands at 304,741,576 shares. This action could potentially enhance shareholder value and indicates a strategic effort to manage the company’s capital structure.

Stock Buyback
Funding Circle Executes Share Buyback to Enhance Shareholder Value
Positive
Nov 3, 2025

Funding Circle Holdings plc announced the repurchase of 48,281 of its ordinary shares on the London Stock Exchange as part of its ongoing share buyback program. This move is aimed at consolidating its share capital and potentially increasing shareholder value by holding these shares in treasury, which could impact the company’s financial metrics and investor relations.

Regulatory Filings and Compliance
Funding Circle Announces Total Voting Rights Update
Neutral
Nov 3, 2025

Funding Circle Holdings plc announced its total issued listed share capital as of October 31, 2025, which includes 304,741,576 ordinary shares, with 493,904 held in Treasury. This leaves a balance of 304,247,672 shares with voting rights, a figure shareholders can use to assess their major interest in the company. This announcement is part of the company’s compliance with the Disclosure Guidance and Transparency Rules, impacting how stakeholders manage their interests in the company.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buy-Back to Enhance Shareholder Value
Positive
Oct 31, 2025

Funding Circle Holdings plc has repurchased 64,382 of its own ordinary shares on the London Stock Exchange as part of a buy-back program announced earlier in the year. The shares will be held in treasury, increasing the total number of treasury shares to 607,588. This move is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value by reducing the number of shares in circulation, which can positively impact earnings per share.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buyback to Optimize Capital Structure
Positive
Oct 30, 2025

Funding Circle Holdings plc has executed a share buyback program, purchasing 49,302 of its own ordinary shares from Investec Bank plc on the London Stock Exchange. This move is part of a previously announced buy-back initiative aimed at managing the company’s capital structure. The purchased shares will be held in treasury, bringing the total number of treasury shares to 543,206 and leaving 304,198,370 shares in issue. This transaction reflects the company’s strategic focus on optimizing shareholder value and maintaining financial flexibility.

Stock Buyback
Funding Circle Executes Share Buy-Back on LSE
Neutral
Oct 28, 2025

Funding Circle Holdings plc has executed a buy-back of 16,449 ordinary shares on the London Stock Exchange, as part of its previously announced share buy-back program. This transaction, involving shares purchased from Investec Bank plc, is intended to be held in treasury, impacting the company’s share capital structure and potentially influencing shareholder voting rights.

Stock BuybackRegulatory Filings and Compliance
Funding Circle Executes Share Buy-Back on LSE
Neutral
Oct 27, 2025

Funding Circle Holdings plc announced the purchase of 32,605 of its own ordinary shares on the London Stock Exchange as part of a previously announced buy-back program. This transaction is intended to hold these shares in treasury, affecting the total voting rights and share capital structure, which may have implications for shareholder notifications under regulatory guidelines.

Stock Buyback
Funding Circle Executes Share Buy-Back on LSE
Neutral
Oct 24, 2025

Funding Circle Holdings plc has executed a share buy-back transaction, purchasing 48,604 of its own ordinary shares on the London Stock Exchange from Investec Bank plc. This move is part of a previously announced buy-back program, and the acquired shares will be held in treasury, impacting the company’s share capital and voting rights structure.

Stock Buyback
Funding Circle Executes Share Buy-Back on LSE
Positive
Oct 23, 2025

Funding Circle Holdings plc has executed a buy-back of 63,231 ordinary shares on the London Stock Exchange, with prices ranging from 122.00p to 126.80p per share. This move is part of a previously announced buy-back program and results in the company holding 396,246 shares in treasury, with a total of 304,345,330 shares in issue. The buy-back could potentially enhance shareholder value by reducing the number of shares available in the market, thereby increasing the value of remaining shares.

Stock Buyback
Funding Circle Executes Share Buyback to Optimize Capital Structure
Positive
Oct 22, 2025

Funding Circle Holdings plc has executed a share buyback by purchasing 62,123 of its own ordinary shares on the London Stock Exchange from Investec Bank plc. This transaction is part of a previously announced buy-back program, and the acquired shares will be held in treasury. The move is likely aimed at optimizing the company’s capital structure and potentially enhancing shareholder value by reducing the number of shares in circulation, which could positively impact the company’s stock price.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buyback on LSE
Neutral
Oct 21, 2025

Funding Circle Holdings plc has executed a share buyback transaction, purchasing 56,530 ordinary shares on the London Stock Exchange from Investec Bank plc. The shares were bought at prices ranging from 119.40p to 123.40p, with a volume-weighted average price of 121.4295p per share. These shares will be held in treasury, and the company now holds a total of 270,892 treasury shares. This move is part of a previously announced buyback program and impacts the company’s total voting rights, which now stand at 304,470,684 shares. The buyback reflects the company’s strategy to manage its capital structure and potentially enhance shareholder value.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buy-Back on LSE
Neutral
Oct 20, 2025

Funding Circle Holdings plc announced the purchase of 55,717 of its own ordinary shares on the London Stock Exchange as part of a buy-back program. The shares were acquired at a volume-weighted average price of 120.2795 pence per share and will be held in treasury. This transaction is part of the company’s strategy to manage its share capital and potentially enhance shareholder value.

Stock Buyback
Funding Circle Executes Share Buy-Back to Optimize Capital Structure
Positive
Oct 17, 2025

Funding Circle Holdings plc has executed a buy-back of 54,999 of its ordinary shares on the London Stock Exchange, purchasing them from Investec Bank plc. This transaction is part of a previously announced buy-back program, and the acquired shares will be held in treasury. The move is likely aimed at optimizing the company’s capital structure and potentially enhancing shareholder value by reducing the number of shares in circulation.

Stock Buyback
Funding Circle Executes Share Buy-Back to Enhance Shareholder Value
Neutral
Oct 16, 2025

Funding Circle Holdings plc has executed a buy-back of 57,486 of its own ordinary shares on the London Stock Exchange, as part of a previously announced share buy-back program. This move is intended to consolidate the company’s share capital and potentially enhance shareholder value by holding these shares in treasury, affecting the total voting rights and share capital structure.

Stock Buyback
Funding Circle Executes Share Buy-Back on LSE
Neutral
Oct 15, 2025

Funding Circle Holdings plc has executed a buy-back of 46,160 of its own ordinary shares on the London Stock Exchange, as part of a previously announced buy-back program. The shares, purchased at an average price of 129.0772 pence per share, will be held in treasury, impacting the company’s share capital and potentially influencing shareholder voting rights.

Stock Buyback
Funding Circle Executes Share Buy-Back, Cancels 109,385 Shares
Positive
Oct 14, 2025

Funding Circle Holdings plc has repurchased and canceled 109,385 of its own ordinary shares on the London Stock Exchange as part of a buy-back program announced earlier this year. This transaction reduces the company’s total issued share capital to 304,741,576 ordinary shares, potentially impacting shareholder interests and market positioning by consolidating ownership and possibly enhancing shareholder value.

Stock Buyback
Funding Circle Executes Share Buy-Back to Enhance Shareholder Value
Positive
Oct 13, 2025

Funding Circle Holdings plc has repurchased and cancelled 104,217 of its ordinary shares as part of a buy-back program announced earlier this year. This transaction, conducted through Investec Bank plc on the London Stock Exchange, aims to reduce the company’s share capital, potentially enhancing shareholder value and adjusting the capital structure.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buyback to Enhance Shareholder Value
Positive
Oct 10, 2025

Funding Circle Holdings plc has repurchased and canceled 95,165 of its own ordinary shares as part of a buy-back program announced earlier this year. This transaction, executed on the London Stock Exchange, is part of the company’s strategy to manage its capital structure, potentially enhancing shareholder value by reducing the number of shares in circulation.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buy-Back to Optimize Capital Structure
Neutral
Oct 9, 2025

Funding Circle Holdings plc has repurchased 29,680 of its own ordinary shares on the London Stock Exchange as part of a buy-back program announced earlier this year. This transaction is part of the company’s strategy to manage its share capital and potentially enhance shareholder value. Following the cancellation of these shares, the company’s total issued share capital will consist of 305,050,343 ordinary shares with voting rights, which may affect shareholder notifications under regulatory guidelines.

Stock Buyback
Funding Circle Executes Share Buy-Back, Cancels 45,212 Shares
Neutral
Oct 8, 2025

Funding Circle Holdings plc has executed a buy-back of 45,212 ordinary shares on the London Stock Exchange as part of its previously announced share repurchase program. The shares were purchased at a volume-weighted average price of 123.29 pence per share and will be cancelled, reducing the company’s issued share capital to 305,080,023 ordinary shares with voting rights. This move is likely to impact the company’s share value and market perception, as it reflects a strategic decision to manage its capital structure and potentially enhance shareholder value.

Stock Buyback
Funding Circle Executes Share Buyback to Enhance Shareholder Value
Positive
Oct 7, 2025

Funding Circle Holdings plc has executed a share buyback, purchasing 152,535 ordinary shares on the London Stock Exchange from Investec Bank plc. This transaction, part of a previously announced buy-back program, aims to cancel the acquired shares, reducing the company’s issued share capital to 305,125,235 ordinary shares with voting rights. This strategic move is expected to impact shareholder value and market perception positively, as it reflects the company’s confidence in its financial health and future prospects.

Legal Proceedings
Funding Circle Secures Favorable Settlement in Loan Dispute
Positive
Oct 7, 2025

Funding Circle Holdings plc announced a favorable settlement in a case involving Azzurro Associates and personal guarantors of two defaulted loans. The resolution, which resulted in a payment to Azzurro, affirms the validity of the loans and personal guarantees, reinforcing Funding Circle’s position and potentially strengthening its reputation and stakeholder confidence.

Stock BuybackFinancial Disclosures
Funding Circle Executes Share Buyback and Issues Correction
Positive
Oct 6, 2025

Funding Circle Holdings plc announced the purchase and cancellation of 49,132 of its own ordinary shares on the London Stock Exchange as part of a previously announced buy-back program. This transaction aims to reduce the number of shares in circulation, potentially increasing the value of remaining shares and signaling confidence in the company’s financial health. Additionally, a correction was issued for a previous announcement regarding the volume-weighted average price of shares purchased on 2 October 2025, which was inaccurately reported.

Stock Buyback
Funding Circle Executes Share Buyback to Reduce Capital
Neutral
Oct 3, 2025

Funding Circle Holdings plc has executed a share buyback program, purchasing 87,313 of its own ordinary shares on the London Stock Exchange from Investec Bank plc. This action, part of a previously announced buy-back initiative, is aimed at reducing the company’s share capital, which will now consist of 305,326,902 ordinary shares with voting rights. The cancellation of these shares is expected to impact the company’s capital structure and could influence shareholder value and market perception.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buy-Back to Optimize Capital Structure
Positive
Oct 2, 2025

Funding Circle Holdings plc announced the purchase and cancellation of 103,499 ordinary shares as part of its share buy-back program. This transaction, conducted on the London Stock Exchange, is part of a strategy to optimize the company’s capital structure and potentially enhance shareholder value by reducing the number of shares in circulation.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buy-Back to Optimize Capital Structure
Positive
Oct 1, 2025

Funding Circle Holdings plc announced the purchase and cancellation of 99,558 of its ordinary shares on the London Stock Exchange as part of a buy-back program. This transaction, executed at a volume-weighted average price of 122.8670p per share, will reduce the company’s issued share capital to 305,517,714 ordinary shares with voting rights. The buy-back initiative reflects the company’s strategy to optimize its capital structure and potentially enhance shareholder value.

Stock Buyback
Funding Circle Executes Share Buy-Back, Cancels Over 100,000 Shares
Neutral
Sep 30, 2025

Funding Circle Holdings plc announced the purchase and cancellation of 109,507 of its own ordinary shares from Investec Bank plc as part of a previously announced buy-back program. This transaction, executed on the London Stock Exchange, will reduce the company’s issued share capital to 305,617,212 ordinary shares with voting rights, potentially impacting shareholder calculations under the FCA’s Disclosure Guidance and Transparency Rules.

Regulatory Filings and Compliance
Funding Circle Announces Total Voting Rights Update
Neutral
Sep 30, 2025

Funding Circle Holdings plc announced that as of 30 September 2025, its issued share capital consists of 305,864,609 ordinary shares, all with voting rights. This information is crucial for shareholders to determine their interest in the company under the Financial Conduct Authority’s Disclosure and Transparency Rules.

Stock Buyback
Funding Circle Executes Share Buyback, Cancels 71,591 Shares
Neutral
Sep 29, 2025

Funding Circle Holdings plc has repurchased and canceled 71,591 of its ordinary shares on the London Stock Exchange as part of its ongoing share buyback program. This transaction, executed at a volume-weighted average price of 125.1414 pence per share, reduces the company’s total issued share capital to 305,726,779 ordinary shares, potentially impacting shareholder voting rights and market perception.

Stock Buyback
Funding Circle Executes Share Buy-Back to Optimize Capital Structure
Positive
Sep 26, 2025

Funding Circle Holdings plc has executed a buy-back of 66,239 of its own ordinary shares from Investec Bank plc on the London Stock Exchange, as part of a previously announced buy-back program. The repurchased shares will be canceled, reducing the company’s issued share capital to 305,798,370 ordinary shares with voting rights. This move is likely aimed at optimizing the company’s capital structure and potentially enhancing shareholder value.

Stock BuybackBusiness Operations and Strategy
Funding Circle Executes Share Buy-Back to Optimize Capital Structure
Positive
Sep 24, 2025

Funding Circle Holdings plc announced the purchase and cancellation of 83,911 of its own ordinary shares on the London Stock Exchange as part of a share buy-back program. This transaction, conducted through Investec Bank plc, is part of the company’s strategy to manage its capital structure, potentially enhancing shareholder value by reducing the number of shares in circulation and increasing earnings per share.

Private Placements and Financing
Funding Circle Secures £300 Million Deal to Boost SME Lending
Positive
Sep 24, 2025

Funding Circle has announced a £300 million forward flow agreement with TPG Angelo Gordon and Barclays to bolster its term loan offerings for UK SMEs. This deal highlights the confidence in Funding Circle’s lending products and their ability to deliver strong returns, reinforcing its market position and supporting future growth in SME financing.

Stock Buyback
Funding Circle Executes Share Buy-Back to Enhance Shareholder Value
Positive
Sep 23, 2025

Funding Circle Holdings plc has executed a buy-back of 93,027 of its own ordinary shares on the London Stock Exchange, as part of a previously announced share repurchase program. The repurchased shares will be canceled, reducing the company’s issued share capital to 306,058,520 ordinary shares. This move is likely aimed at enhancing shareholder value and optimizing the company’s capital structure.

Stock Buyback
Funding Circle Executes Share Buy-Back Reducing Issued Capital
Positive
Sep 22, 2025

Funding Circle Holdings plc has executed a share buy-back program, purchasing 58,720 of its own ordinary shares on the London Stock Exchange from Investec Bank plc. The shares were bought at prices ranging from 120.40p to 123.40p per share, with an average price of 122.3567p, and will be canceled, reducing the company’s issued share capital to 306,151,547 ordinary shares. This move is part of a previously announced buy-back initiative, potentially enhancing shareholder value by reducing the number of shares in circulation.

Stock Buyback
Funding Circle Executes Share Buyback, Cancels 65,323 Shares
Positive
Sep 19, 2025

Funding Circle Holdings plc has executed a share buyback transaction, purchasing 65,323 ordinary shares on the London Stock Exchange from Investec Bank plc. This move, part of a previously announced buy-back program, will result in the cancellation of the purchased shares, reducing the company’s issued share capital to 306,210,267 ordinary shares. This strategic action is likely to impact the company’s share value and market perception, offering potential benefits to shareholders by increasing the value of remaining shares.

Stock Buyback
Funding Circle Executes Share Buy-Back to Boost Shareholder Value
Positive
Sep 18, 2025

Funding Circle Holdings plc has executed a buy-back of 80,660 ordinary shares from Investec Bank plc on the London Stock Exchange, as part of its previously announced buy-back program. The repurchased shares will be cancelled, reducing the company’s issued share capital to 306,275,590 ordinary shares with voting rights. This move is likely to impact shareholder value and market perception positively, as share buy-backs are often seen as a sign of confidence in the company’s financial health.

Stock Buyback
Funding Circle Executes Share Buy-Back to Enhance Shareholder Value
Positive
Sep 17, 2025

Funding Circle Holdings plc has repurchased 92,779 of its own ordinary shares on the London Stock Exchange as part of a buy-back program announced earlier in May 2025. This transaction, conducted through Investec Bank plc, is aimed at reducing the company’s share capital, which will now consist of 306,356,250 ordinary shares with voting rights. The buy-back is expected to enhance shareholder value and optimize the company’s capital structure.

Private Placements and Financing
Funding Circle Secures £750 Million Renewal with Waterfall Asset Management
Positive
Sep 17, 2025

Funding Circle has announced a £750 million renewal of its partnership with Waterfall Asset Management and BNP Paribas, bringing the total financing provided through its platform to over £3 billion. This renewal underscores the strength of Funding Circle’s platform and its ability to deliver attractive returns, further supporting its mission to provide vital funding to UK SMEs, a segment often underserved by traditional lenders.

Stock Buyback
Funding Circle Executes Share Buyback to Enhance Shareholder Value
Positive
Sep 16, 2025

Funding Circle Holdings plc has executed a buyback of 92,197 ordinary shares from Investec Bank plc, as part of its previously announced share repurchase program. The shares were purchased at prices ranging from 118.40p to 122.00p and will be canceled, reducing the company’s issued share capital to 306,449,029 ordinary shares. This move is likely aimed at enhancing shareholder value and optimizing the company’s capital structure.

Stock Buyback
Funding Circle Executes Share Buy-Back to Enhance Shareholder Value
Positive
Sep 15, 2025

Funding Circle Holdings plc has executed a buy-back of its own shares, purchasing 98,881 ordinary shares from Investec Bank plc on the London Stock Exchange. This transaction is part of a previously announced buy-back program, and the company plans to cancel the repurchased shares, reducing its issued share capital to 306,541,226 ordinary shares. This move is likely aimed at enhancing shareholder value by reducing the number of shares in circulation, which can potentially increase earnings per share and improve market perception.

Stock Buyback
Funding Circle Executes Share Buyback, Cancelling 124,972 Shares
Neutral
Sep 12, 2025

Funding Circle Holdings plc announced the repurchase and cancellation of 124,972 of its ordinary shares on the London Stock Exchange as part of a buy-back program initiated in May 2025. This transaction reduces the company’s total issued share capital to 306,640,107 ordinary shares, potentially impacting shareholder interests and market dynamics by altering the shareholding structure and possibly enhancing shareholder value.

Private Placements and FinancingBusiness Operations and Strategy
Funding Circle Chair Acquires Significant Shareholding
Positive
Sep 12, 2025

Funding Circle Holdings plc announced a transaction involving its Chair, Kenneth Stannard, who acquired 202,589 ordinary shares at a price of 122.78p each on the London Stock Exchange. This transaction highlights the company’s ongoing commitment to aligning its leadership with shareholder interests, potentially strengthening its market position and investor confidence.

Stock Buyback
Funding Circle Executes Share Buyback
Positive
Sep 11, 2025

Funding Circle Holdings plc has executed a share buyback transaction, purchasing 125,000 of its own ordinary shares on the London Stock Exchange through Investec Bank plc. The shares were bought at prices ranging from 118.80p to 122.00p per share, with a volume-weighted average price of 119.3434p. Following this transaction, the company’s issued share capital will consist of 306,765,079 ordinary shares with voting rights. This move is part of a previously announced buyback program, potentially aiming to enhance shareholder value by reducing the number of shares in circulation.

Stock Buyback
Funding Circle Executes Share Buy-Back to Optimize Capital Structure
Neutral
Sep 10, 2025

Funding Circle Holdings plc announced the purchase and cancellation of 100,000 of its own ordinary shares from Investec Bank plc as part of a buy-back program. This transaction, executed on the London Stock Exchange, aims to reduce the company’s share capital to 306,890,079 ordinary shares, potentially impacting shareholder interests and market dynamics.

Stock Buyback
Funding Circle Executes Share Buy-Back to Enhance Shareholder Value
Positive
Sep 9, 2025

Funding Circle Holdings plc has executed a buy-back of 98,101 ordinary shares on the London Stock Exchange, as part of a previously announced share repurchase program. This transaction, involving shares purchased from Investec Bank plc, is intended to enhance shareholder value by reducing the total number of shares in circulation, thereby potentially increasing earnings per share and improving market perception.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Dec 07, 2025