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Home CompaniesFunding Circle Holdings PLC

Funding Circle Holdings PLC

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
214.0 GBX 1.50 ( 0.71%)
Last update at 2026-10-27T16:35:00Z
VOLUME
508335
Market Cap
402.07M
P/E
10.00

Momentum Score

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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, 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. It acts as a special purpose bankruptcy remote entity that issues loan payment dependent debt securities to accredited investors. Funding Circle Holdings plc was incorporated in 2010 and is based in London, the United Kingdom.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
210.00
Low
216.50
High
52 Week Price Range
97.80
Low
176.80
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
212.50
Dividend Yield
-
Revenue TTM
204.30M
Revenue Per Share
0.65
Gross Profit TTM
135.90M
Debt / Equity
1.20
ROE
20.68%
Net Debt
121.20M
ROCE
7.65%
Diluted EPS TTM
0.14

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 20.30M 0.80M -9.90M -12.90M 64.10M
Net income 46.00M 8.60M -38.30M -6.90M 61.20M
Selling general administrative - 8.60M 4.50M 38.40M 46.90M
Selling and marketing expenses - 45.60M 37.10M 38.40M 46.90M
Gross profit 200.00M 92.00M 61.50M 148.70M 206.90M
Reconciled depreciation - 13.00M 16.70M 15.20M 13.90M
Ebit - 4.20M -27.00M -10.20M 64.20M
Ebitda 20.30M 5.40M -10.30M 5.00M 83.00M
Depreciation and amortization - 1.20M 16.70M 15.20M 18.80M
Operating income 20.40M 27.10M 6.80M -10.20M 64.20M
Other operating expenses 202.10M 133.00M 139.60M 169.60M 151.10M
Interest expense - - - 0.90M 1.10M
Tax provision - -0.50M 5.10M -6.00M 2.90M
Interest income - - - 2.30M 0.10M
Net interest income - - - 1.40M -1.00M
Income tax expense -25.70M 0.50M 5.10M -6.00M 2.90M
Total revenue 222.50M 160.10M 129.70M 153.40M 219.20M
Total operating expenses 179.60M 64.90M 71.40M 164.90M 138.80M
Cost of revenue 22.50M 68.10M 68.20M 4.70M 12.30M
Total other income expense net -0.10M -26.30M -16.70M -2.70M -0.10M
Net income from continuing ops - 1.30M -38.30M -6.90M 61.20M
Net income applicable to common shares - - - -6.90M 61.20M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 535.90M 358.00M 373.20M 384.00M 565.90M
Intangible assets 21.30M 21.20M 23.00M 28.20M 24.90M
Other current assets - 117.50M 20.00M 121.80M 202.50M
Total liab 307.50M 141.50M 126.40M 100.00M 277.90M
Total stockholder equity 228.40M 216.50M 246.80M 284.00M 288.00M
Deferred long term liab - - - 28.00M 24.60M
Other current liab - 22.60M 49.20M 30.30M 36.10M
Common stock 0.30M 0.30M 0.40M 0.40M 0.40M
Capital stock - 0.30M 0.40M 0.40M 0.40M
Retained earnings 201.20M 190.20M -84.90M -48.60M -35.60M
Other liab - - - 1.10M 0.70M
Other assets - - 373.20M 38.30M 28.70M
Cash 152.40M 187.60M 221.40M 157.50M 199.40M
Total current liabilities 269.10M 135.10M 117.70M 63.70M 187.00M
Current deferred revenue - - 51.90M - -
Net debt 121.20M -78.10M -151.90M -91.40M 38.00M
Short term debt 269.10M 103.70M 61.90M 30.90M 147.20M
Short long term debt - 101.90M 54.70M 23.70M 140.30M
Short long term debt total 273.60M 109.50M 69.50M 66.10M 237.40M
Other stockholder equity 0.50M 0.10M 293.10M 332.20M 323.20M
Property plant equipment - - - 10.00M 14.10M
Total current assets 458.50M 307.40M 310.40M 279.30M 401.90M
Net tangible assets - - - 283.80M 287.70M
Short term investments 294.60M 0.70M 68.60M - -
Net receivables 11.50M 0.40M 0.40M 0.40M 18.00M
Long term debt - 0.00M 2.20M 22.60M 73.20M
Inventory - 1.90M -18.60M - -
Accounts payable - 1.80M 2.40M 2.50M 3.70M
Accumulated other comprehensive income 26.40M 25.90M 38.20M - -
Non currrent assets other 9.00M 21.20M 1.40M 59.60M 125.00M
Non current assets total 77.40M 50.60M 62.80M 104.70M 164.00M
Capital lease obligations - 7.60M 12.60M 19.80M 23.90M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - 23.30M 66.40M 162.00M -14.90M
Change to liabilities - - - -3.70M 1.40M
Total cashflows from investing activities -126.20M 23.30M 66.40M 162.00M 310.90M
Net borrowings - 46.60M 11.50M -194.30M -291.80M
Total cash from financing activities 124.70M 10.20M 3.70M -201.70M -291.20M
Net income 46.00M 8.60M -38.30M -12.90M 64.10M
Change in cash -35.20M -33.80M 43.70M -46.30M 120.70M
Begin period cash flow 187.60M 221.40M 177.70M 224.00M 103.30M
End period cash flow 152.40M 187.60M 221.40M 177.70M 224.00M
Total cash from operating activities -33.80M -67.40M -25.60M -10.40M 100.10M
Issuance of capital stock - 0.50M 0.00M 0.10M 0.40M
Depreciation - 13.00M 16.70M 15.20M 13.90M
Other cashflows from investing activities -116.70M 26.20M 55.40M 2.60M 0.10M
Change to account receivables - -3.10M -13.50M 8.80M 46.40M
Sale purchase of stock - -33.70M -1.80M -8.70M -
Other cashflows from financing activities 146.30M 0.40M -6.00M -6.10M 200.30M
Change to netincome - - - -23.80M -22.80M
Capital expenditures 0.60M 2.90M 12.20M 13.90M 9.40M
Change in working capital -8.90M -3.10M 21.20M 5.10M 47.80M
Stock based compensation - 7.80M 5.60M 4.70M 8.50M
Other non cash items -70.90M -93.70M -30.80M -22.50M -3.60M
Free cash flow -34.40M -70.30M -37.70M -24.30M 90.70M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(GBX)
Price
(GBX)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
FCH
Funding Circle Holdings PLC		 1.50
0.71%		 214.00 10.00 14.04 1.97 1.67 2.25 15.97
47IE
S&U plc		 -64.35
99.00%		 0.65 - - 5.12 - - -
SUS
S&U plc		 30.00
1.60%		 1910.00 11.83 9.30 3.52 1.02 4.66 9.84
ASAI
ASA International Group PLC		 6.00
2.40%		 256.00 6.19 3.58 0.89 1.77 2.72 -
TRU
Trufin PLC		 -
-%		 101.50 13.40 - 1.92 2.41 1.62 7.93

Profile*

Funding Circle Holdings PLC

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, 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. It acts as a special purpose bankruptcy remote entity that issues loan payment dependent debt securities to accredited investors. Funding Circle Holdings plc was incorporated in 2010 and is based in London, the United Kingdom.

71 Queen Victoria Street, London, United Kingdom, EC4V 4AY

44 80 0048 2467

https://www.fundingcircle.com

778

Name Title Year Born
Mr. Samir Desai CBE Co-Founder & Non-Exec. Director 1984
Mr. Oliver J. White CFO & Exec. Director 1968
Ms. Lisa Jacobs CEO & Exec. Director NA
Mr. Grieg McEwan Chief Technology Officer NA
Mr. David de Koning Director of Investor Relations & Corp. Affairs NA
Ms. Lucy K. Vernall Gen. Counsel, Chief People Officer & Company Sec. NA
Natasha Jones Director of Communications NA
Ms. Panni Morshedi Continental Europe Managing Director NA
Mr. Alexander Allen U.K. Managing Director NA
Mr. Jerome Fernadez FlexiPay Managing Director NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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