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Funding Circle Holdings plc (FCH.L)
GBp177.00
-2.00 (-1.12%)
GB LSE Financial Services Financial - Credit Services
Address
71 Queen Victoria Street EC4V 4AY
London, LND, GB
London, LND, GB
CEO
Lisa Jacobs
Website
fundingcircle.com
IPO
2018-10-03
ISIN GB00BG0TPX62
Also trades on
London Stock Exchange · FCH.L (GBp)
Other OTC · FDCHF (USD)
Description
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.
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
GBp177.00
-2.00 (-1.12%)
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Volume Profile
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Liquidity & share structure
Average Volume
1M
Beta
0.72
Float Shares
169.04M
Free Float %
59.2%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
177.00
DCF (Unlevered)
84.70
-52.1%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
100% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 4 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
MOAT Score
0 / 10
No MOAT
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+39.0% ★ Q4'25: +81.5% (vs Q4'23)
-
EPS growth Financial - Credit Services: +24.0%+10,669.2% ★ Q4'25: +301.7% (vs Q4'23)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+16.7% ★ Q4'25: +0.2% (vs Q4'23)
-
EBIT margin Financial - Credit Services: +28.7%+9.1% Q4'25: +11.2% (vs Q4'23)
-
ROIC Financial - Credit Services: +5.0%+36.9% ★ Q4'25: +104.0% (vs Q4'23)
-
Share dilution Financial - Credit Services: +0.0%-14.0% ★ Q4'25: -3.7% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×13.48× ★ Q4'25: 4.78× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 5 Rev. Ana. 5 EPS Ana. |
Dec 2027 5 Rev. Ana. 5 EPS Ana. |
Dec 2028 5 Rev. Ana. 5 EPS Ana. |
Dec 2029 2 Rev. Ana. 1 EPS Ana. |
Dec 2030 2 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
141.90M
est: 139.44M (+1.8%)
|
167.40M
est: 170.46M (-1.8%)
|
244.70M
est: 222.00M (+10.2%)
|
219.20M
est: 205.00M (+6.9%)
|
155.70M
est: 148.53M (+4.8%)
|
129.70M
est: 187.60M (-30.9%)
|
160.10M
est: 157.15M (+1.9%)
|
222.50M
est: 204.00M (+9.1%)
|
234.90M
233.09M – 235.70M
+15.1% YoY
|
263.48M
260.99M – 265.04M
+12.2% YoY
|
293.98M
293.94M – 294.02M
+11.6% YoY
|
320.60M
317.84M – 322.11M
+9.1% YoY
|
350.00M
346.98M – 351.65M
+9.2% YoY
|
| EBITDA |
-32.00M
est: 1.87M (-1,811.7%)
|
-68.10M
est: -45.50M (-49.7%)
|
-70.40M
est: -62.86M (-12.0%)
|
82.00M
est: -77.12M (+206.3%)
|
4.10M
est: -93.02M (+104.4%)
|
-10.30M
est: 16.73M (-161.6%)
|
5.40M
est: 14.02M (-61.5%)
|
20.30M
est: 18.20M (+11.6%)
|
20.95M
20.79M – 21.02M
+15.1% YoY
|
23.50M
23.28M – 23.64M
+12.2% YoY
|
26.22M
26.22M – 26.23M
+11.6% YoY
|
28.60M
28.35M – 28.73M
+9.1% YoY
|
31.22M
30.95M – 31.37M
+9.2% YoY
|
| EBIT |
-49.90M
est: -8.38M (-495.4%)
|
-83.00M
est: -62.94M (-31.9%)
|
-87.60M
est: -77.39M (-13.2%)
|
68.10M
est: -94.94M (+171.7%)
|
-11.10M
est: -114.51M (+90.3%)
|
-27.00M
est: 5.58M (-584.0%)
|
4.20M
est: 4.67M (-10.2%)
|
20.30M
est: 6.07M (+234.6%)
|
6.99M
6.93M – 7.01M
+15.1% YoY
|
7.83M
7.76M – 7.88M
+12.2% YoY
|
8.74M
8.74M – 8.74M
+11.6% YoY
|
9.53M
9.45M – 9.58M
+9.1% YoY
|
10.41M
10.32M – 10.46M
+9.2% YoY
|
| Net Income |
-49.30M
est: -53.15M (+7.2%)
|
-84.70M
est: -60.13M (-40.9%)
|
-108.30M
est: -77.39M (-39.9%)
|
61.20M
est: -94.94M (+164.5%)
|
-6.90M
est: -32.10M (+78.5%)
|
-38.30M
est: -31.34M (-22.2%)
|
8.60M
est: -5.74M (+249.9%)
|
46.00M
est: 15.43M (+198.0%)
|
27.99M
23.70M – 35.70M
+81.4% YoY
|
41.12M
33.01M – 53.82M
+46.9% YoY
|
50.58M
46.42M – 68.23M
+23.0% YoY
|
64.51M
63.79M – 64.91M
+27.6% YoY
|
84.12M
83.18M – 84.64M
+30.4% YoY
|
| SGA |
57.80M
est: 37.91M (+52.5%)
|
66.50M
est: 46.34M (+43.5%)
|
46.80M
est: 143.26M (-67.3%)
|
48.10M
est: 175.76M (-72.6%)
|
36.90M
est: 40.38M (-8.6%)
|
48.40M
est: 43.83M (+10.4%)
|
54.20M
est: 36.71M (+47.6%)
|
—
est: 47.66M (-100.0%)
|
54.88M
54.46M – 55.06M
+15.1% YoY
|
61.56M
60.97M – 61.92M
+12.2% YoY
|
68.68M
68.67M – 68.69M
+11.6% YoY
|
74.90M
74.26M – 75.25M
+9.1% YoY
|
81.77M
81.06M – 82.16M
+9.2% YoY
|
| EPS |
-0.18
est: -0.14 (-29.4%)
|
-0.24
est: -0.14 (-74.9%)
|
-0.31
est: -0.29 (-8.5%)
|
0.17
est: 0.08 (+106.1%)
|
-0.02
est: -0.02 (+11.0%)
|
-0.11
est: -0.10 (-15.1%)
|
0.00
est: -0.02 (+105.1%)
|
0.15
est: 0.05 (+219.1%)
|
0.08
0.07 – 0.11
+78.3% YoY
|
0.13
0.10 – 0.16
+49.6% YoY
|
0.16
0.14 – 0.21
+25.7% YoY
|
0.20
0.19 – 0.20
+24.6% YoY
|
0.26
0.25 – 0.26
+30.4% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-28 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-27 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-26 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-22 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-21 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-20 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-19 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-18 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-15 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-14 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-13 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-12 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-11 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-08 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-07 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-06 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-05 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-01 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-30 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-29 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-28 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-27 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-24 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-23 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-22 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-21 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-20 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-17 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-16 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-97.95M
OE per share TTM
-0.28
Owner's Yield
—
Maintenance CapEx ratio
11.81%
Maint CapEx / Avg PPE
8.8%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 13 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Invesco FTSE 250 UCITS ETF S250.L | 0.08% | 28.7K | 0.12% |
| 2 | iShares FTSE 250 UCITS ETF MIDD.L | 0.08% | 676.9K | 0.40% |
| 3 | HSBC FTSE 250 UCITS ETF HMCX.L | 0.08% | 52.5K | 0.09% |
| 4 | Vanguard FTSE 250 UCITS ETF VMIG.MI | 0.08% | 2.00M | 0.10% |
| 5 | Vanguard FTSE 250 UCITS ETF (GBP) Distributing VMID.DE | 0.08% | 2.00M | 0.10% |
| 6 | Xtrackers FTSE 250 UCITS ETF 1D XMCX.L | 0.07% | 26.2K | 0.15% |
| 7 | Avantis Responsible International Equity ETF AVSD | 0.02% | 97.6K | 0.23% |
| 8 | Avantis International Small Cap Equity ETF AVDS | 0.02% | 53.8K | 0.30% |
| 9 | Avantis International Small Cap Value ETF AVDV | 0.01% | 2.45M | 0.36% |
| 10 | State Street SPDR FTSE UK All Share UCITS ETF (Acc) FTAL.L | 0.01% | 70.9K | 0.20% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
26.1K
Shares Outstanding
285.57M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Lisa Jacobs | Chief Executive Officer & Executive Director | 1M | female |
| Anthony Richard Craig Nicol | Chief Financial Officer & Director | 684.0K | male |
| Charlotte Brand | Investor Relations | — | female |
| Grieg McEwan | Chief Technology Officer | — | male |
| Jerome Fernandez | FlexiPay Managing Director | — | male |
| John Nolan | Chief People Officer | — | male |
| Kaustubh Joshi | Head of Embedded Finance & Partnerships for the U.S. Business | — | male |
| Lucy K. Vernall | Chief Legal Officer | — | female |
| Sarah Whiteley | Company Secretary & Chief Legal Officer | — | female |
| Steve Allocca | Managing Director of U.S. | — | male |
| Alexander Allen | U.K. MD, MD of Term Loans & Chief Customer Officer | — | male |
| Tim Trailor | Managing Director of Cards | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for FCH.L
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
