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Funding Circle Holdings Plc (FDCHF)

USD2.18 +0.00 (+0.00%)
GB OTC Financial Services Financial - Credit Services
Address 71 Queen Victoria Street EC4V 4AY
London, GL, GB
CEO Lisa Jacobs
Website fundingcircle.com
IPO 2018-11-29
ISIN GB00BG0TPX62

Explore sections of this company profile

Also trades on London Stock Exchange · FCH.L (GBp) Other OTC · FDCHF (USD)
Description

Funding Circle Holdings Ltd. engages in the provision of loan platform for small and medium enterprises. It operates through the Loans and FlexiPay segments. The company was founded by Andrew Christopher Arthur Mullinger, N. Alex Tonelli, James Meekings, Samir Desai and Samuel H. Hodges on January 13, 2010 and is headquartered in London, the United Kingdom.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
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
Averages
Trend
Price
Levels
Draw
USD2.18 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
826
Beta
0.71
Float Shares
169.04M
Free Float %
59.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +0.00% +0.00% +42.48% +36.25% +38.85% +233.33% +28.24% -56.12% -56.12%
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
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (1 ratings, all time) Buy
Price Targets & DCF
Current price
2.18
DCF (Unlevered) 0.55 -74.8%

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.

Quality scores
Altman Z-Score
2.72
Grey zone
Piotroski F-Score
6 / 9
Average
MOAT Score
0 / 10
No MOAT
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Financial - Credit Services: +13.2%
    +37.6% ★ Q4'25: +84.9% (vs Q4'23)
  • ✓
    EPS growth Financial - Credit Services: +24.0%
    +460.0% ★ Q4'25: +301.7% (vs Q4'23)
  • ✓
    FCF margin FCF growth · Financial - Credit Services: +70.9%
    +21.4% Q4'25: +0.2% (vs Q4'23)
  • ✗
    EBIT margin Financial - Credit Services: +28.7%
    +9.1% Q4'25: +11.0% (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%
    +27.8% Q4'25: -3.7% (vs Q4'23)
  • ✗
    Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×
    8.74× ★ Q4'25: 3.54× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.74) × ERP
WACC = 72% × Ke + 28% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 0.55 Current price: 2.18
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

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.
1 EPS Ana. 		Dec 2027
5 Rev. Ana.
1 EPS Ana. 		Dec 2028
1 Rev. Ana.
1 EPS Ana. 		Dec 2029
2 Rev. Ana.
1 EPS Ana. 		Dec 2030
2 Rev. Ana.
1 EPS Ana.
Revenue
141.90M
est: 177.59M (-20.1%)
167.40M
est: 225.81M (-25.9%)
244.70M
est: 303.46M (-19.4%)
219.20M
est: 277.12M (-20.9%)
155.70M
est: 179.64M (-13.3%)
129.70M
est: 203.81M (-36.4%)
161.70M
est: 157.11M (+2.9%)
222.46M
est: 203.97M (+9.1%)
233.96M
232.16M – 234.75M
+14.7% YoY
262.42M
259.94M – 263.97M
+12.2% YoY
292.80M
290.27M – 294.18M
+11.6% YoY
319.31M
316.56M – 320.82M
+9.1% YoY
348.59M
345.59M – 350.24M
+9.2% YoY
EBITDA
-32.00M
est: -264.6K (-11,992.5%)
-68.10M
est: -336.5K (-20,138.2%)
-83.40M
est: -452.2K (-18,343.2%)
82.00M
est: -412.9K (+19,957.4%)
4.10M
est: -267.7K (+1,631.7%)
-10.30M
est: -303.7K (-3,291.5%)
2.00M
est: 14.90M (-86.6%)
31.29M
est: 19.34M (+61.8%)
22.18M
22.01M – 22.26M
+14.7% YoY
24.88M
24.64M – 25.03M
+12.2% YoY
27.76M
27.52M – 27.89M
+11.6% YoY
30.27M
30.01M – 30.42M
+9.1% YoY
33.05M
32.77M – 33.21M
+9.2% YoY
EBIT
-49.90M
est: -11.11M (-349.1%)
-83.00M
est: -14.13M (-487.5%)
-85.40M
est: -18.99M (-349.8%)
68.10M
est: -17.34M (+492.8%)
-11.10M
est: -11.24M (+1.2%)
-27.00M
est: -12.75M (-111.7%)
800.0K
est: 4.00M (-80.0%)
20.30M
est: 5.20M (+290.6%)
5.96M
5.92M – 5.98M
+14.7% YoY
6.69M
6.62M – 6.73M
+12.2% YoY
7.46M
7.40M – 7.50M
+11.6% YoY
8.14M
8.07M – 8.17M
+9.1% YoY
8.88M
8.81M – 8.92M
+9.2% YoY
Net Income
-49.30M
est: -45.65M (-8.0%)
-84.70M
est: -49.04M (-72.7%)
-108.30M
est: -99.33M (-9.0%)
61.20M
est: 28.63M (+113.8%)
-6.90M
est: -7.60M (+9.2%)
-38.30M
est: -27.34M (-40.1%)
8.60M
est: -7.75M (+211.0%)
45.99M
est: 20.80M (+121.1%)
36.95M
36.53M – 37.18M
+77.6% YoY
55.29M
54.67M – 55.63M
+49.6% YoY
69.49M
68.71M – 69.91M
+25.7% YoY
86.56M
85.59M – 87.09M
+24.6% YoY
112.87M
111.61M – 113.57M
+30.4% YoY
SGA
57.80M
est: 46.27M (+24.9%)
66.50M
est: 58.84M (+13.0%)
46.80M
est: 79.07M (-40.8%)
48.10M
est: 72.21M (-33.4%)
36.90M
est: 46.81M (-21.2%)
48.40M
est: 53.11M (-8.9%)
45.60M
est: 43.69M (+4.4%)
62.00M
est: 56.71M (+9.3%)
65.05M
64.55M – 65.27M
+14.7% YoY
72.97M
72.28M – 73.40M
+12.2% YoY
81.42M
80.71M – 81.80M
+11.6% YoY
88.79M
88.02M – 89.21M
+9.1% YoY
96.93M
96.09M – 97.39M
+9.2% YoY
EPS
-0.18
est: -0.13 (-36.6%)
-0.24
est: -0.14 (-69.5%)
-0.31
est: -0.29 (-8.1%)
0.17
est: 0.08 (+105.6%)
-0.01
est: -0.02 (+74.5%)
-0.03
est: -0.08 (+60.7%)
0.01
est: -0.02 (+128.6%)
0.15
est: 0.05 (+219.2%)
0.08
0.08 – 0.08
+77.6% YoY
0.12
0.12 – 0.13
+49.6% YoY
0.16
0.16 – 0.16
+25.7% YoY
0.20
0.19 – 0.20
+24.6% YoY
0.25
0.25 – 0.26
+30.4% YoY

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-106.60M
OE per share TTM
-0.31
Owner's Yield
-16.18%
Maintenance CapEx ratio
12.32%
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

This company is not held by any ETF in our universe.

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

NameTitleCompensationGender
Lisa Jacobs Chief Executive Officer & Executive Director 1M female
Anthony Richard Craig Nicol Chief Financial Officer & Director 919.4K 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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Dividend history

Earnings history

Earnings reports

Stock splits

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