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Funding Circle Holdings plc
FCH.L: LSELowest reading is at 33 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Ms. Lisa Jane Jacobs
Market Cap
516.71 Million GBp
Sector
Financial Services
Website
https://www.fundingcircle.comLast Update
28/09/2026, 03:24:51
Description
Funding Circle Holdings plc, together with its subsidiaries, provides online lending platforms in the United Kingdom and internationally.
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Strongest readings
- ✔Cashflow and earnings growth is strong (growth score 93 out of 100)
- ✔Share count has been falling at 3.36% per year
- ✔Price-to-earnings of 9.0 is below the market average of 19.6
Weakest readings
- ✘Income is not covering expenditure and investment (free cashflow -0.22 per share)
- ✘The current price sits above estimated fair value (margin of safety -53.18%)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 9.03x | 19.60x | |
| ✘ | Margin of safety (DCF) | -53.18% | 17.95% | |
| ✔ | Revenue growth (5y average) | 24.67% | 10.97% | |
| ✘ | Dividend yield (TTM) | 0.00% | 1.85% | |
| ✔ | Share count, per year | -3.36% | 0.00% | |
| ✘ | Return on capital employed | 8.74% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
75 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 9.03x | 19.60x | |
| ✘ | Free cashflow yield | -11.94% | 4.70% | |
| ✔ | Price / earnings growth | 0.02x | 1.50x | |
| Price / book | 213.60x | — | ||
| ✘ | Margin of safety | -53.18% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 85.86 GBp is below the current price of 183.40 GBp
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: N/A✘
Current Price: 183.4 GBp
Negative Cashflows: Cashflow can become negative due to operating losses, investing activities or financing activites. Negative cashflow makes it dificult to use a discounted free cashflow model to assess intrinsic value.
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
93 / 100Growing faster than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Revenue growth | 24.67% | 10.97% | |
| ✔ | Earnings growth | 484.00% | 14.48% | |
| Cashflow growth | N/A | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Health
33 / 100Balance sheet is stretched on several measures.
Measured on Leverage and capital, Funding and liquidity, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✘ | Altman-Z score | 1.45 | 3.00 | |
| ✔ | Piotroski score | 5.00 | 5.00 | |
| ✘ | Debt / equity | 1.20x | 0.80x | |
| ✔ | Current ratio | 1.55x | 1.00x | |
| Interest coverage | N/A | 2.50x | ||
| ✘ | Free cashflow / debt | 0.00x | 0.15x | |
| ✔ | Debt / capital | 0.55x | 1.00x |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Income is not covering expenditure and investment (free cashflow -0.22 per share)
Management
72 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Return on equity | 20.14% | 15.00% | |
| ✘ | Return on capital employed | 8.74% | 10.00% | |
| Return on assets | 8.58% | — | ||
| Free cashflow return on capital | -18.54% | — | ||
| ✔ | Return on capital, 5y change | 9.17% | 0.00% | |
| ✔ | Share count, per year | -3.36% | 0.00% | |
| ✔ | Share count, recent | -10.45% | 0.00% | |
| ✘ | Realized buyback return | -25.23% | 0.00% | |
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 58.53% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Shares were repurchased while the value score was 75 out of 100
- ✘Return on equity of 20.14% is driven by debt rather than operations, because return on capital employed is only 8.74%
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
FCH.L
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Funding Circle Holdings plc
Currency
GBp
Beta
0.755
Vol Avg
1221246
Ceo
Ms. Lisa Jane Jacobs
Cik
Cusip
Exchange
LSE
Full Time Employees
796
Industry
Credit Services
Sector
Financial Services
Ipo Date
Address
71 Queen Victoria Street
City
London
State
Country
United Kingdom
Zip
EC4V 4AY
Phone
44 80 0048 2467
Analysis Last Updated
28/09/2026, 03:24:51
Financial data compiled from SEC EDGAR filings and Yahoo Finance.