FCA Stock Chart & Stats
€2.70
€0.08(3.15%)
At close: 4:00 PM EDT
€2.70
€0.08(3.15%)
Day’s Range― - ―
52-Week Range€1.24 - €2.84
Previous CloseN/A
Volume1.65K
Average Volume (3M)0.00
Market Cap
€626.50M
Enterprise Value€249.73
Total Cash (Recent Filing)€445.80M
Total Debt (Recent Filing)€254.80M
Price to Earnings (P/E)9.0
Beta1.12
Next Earnings
Mar 11, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.21
Shares Outstanding294,915,920
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)1.74
Price to Sales (P/S)1.79
P/FCF Ratio-11.56
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€3.49Price Target Upside29.23% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)<0.01
Revenue Forecast (FY)€3.09M
Bulls Say, Bears Say
Bulls Say
Revenue Growth And Operating LeverageRapid revenue growth combined with costs rising more slowly indicates meaningful operating leverage in the platform. If sustained, this can support durable margin expansion, improve earnings conversion, and provide greater capacity to invest in products, technology, and customer acquisition over the next several quarters.
Proprietary Credit TechnologyA long proprietary data history and differentiated underwriting models can strengthen credit selection, pricing, and borrower conversion. These capabilities are embedded in the operating platform, creating a durable advantage that may improve customer experience while supporting scalable growth and risk management.
Capital-Light Funding PlatformThe predominance of third-party funding and substantial forward-flow arrangements allows Funding Circle to expand lending without funding the entire book from its own balance sheet. This structure can support scalable fee generation, reduce capital intensity, and broaden access to funding as origination grows.
Bears Say
Negative Cash Flow And Higher LeverageRecent cash burn reduces financial flexibility and makes the business more reliant on external funding to support operations and growth. The simultaneous increase in debt raises balance-sheet sensitivity if performance weakens or funding conditions tighten, potentially constraining future capital allocation.
Losses And Credit Costs In New ProductsThe newer products are growing quickly but have not yet demonstrated consistent profitability, while elevated expected credit losses weigh on current earnings. Reaching breakeven depends on cohort maturation and credit performance, leaving execution and loss-rate risk over the next several quarters.
Planned CEO TransitionA planned leadership change introduces execution risk while the company is scaling products, improving profitability, and pursuing its medium-term strategy. Although management expects a smooth handover, successor selection and continuity of strategic priorities will remain important to sustaining momentum.
Funding Circle Holdings News
FCA FAQ
What was Funding Circle Holdings Limited’s price range in the past 12 months?
Funding Circle Holdings Limited lowest stock price was €1.24 and its highest was €2.84 in the past 12 months.
What is Funding Circle Holdings Limited’s market cap?
Funding Circle Holdings Limited’s market cap is €626.50M.
When is Funding Circle Holdings Limited’s upcoming earnings report date?
Funding Circle Holdings Limited’s upcoming earnings report date is Mar 11, 2027 which is in 168 days.
How were Funding Circle Holdings Limited’s earnings last quarter?
Funding Circle Holdings Limited released its earnings results on Sep 08, 2026. The company reported €0.086 earnings per share for the quarter.
Is Funding Circle Holdings Limited overvalued?
According to Wall Street analysts Funding Circle Holdings Limited’s price is currently Undervalued.
Does Funding Circle Holdings Limited pay dividends?
Funding Circle Holdings Limited does not currently pay dividends.
What is Funding Circle Holdings Limited’s EPS estimate?
Funding Circle Holdings Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Funding Circle Holdings Limited have?
Funding Circle Holdings Limited has 294,915,920 shares outstanding.
What happened to Funding Circle Holdings Limited’s price movement after its last earnings report?
Funding Circle Holdings Limited reported an EPS of €0.086 in its last earnings report. Following the earnings report the stock price went down -12.977%.
Which hedge fund is a major shareholder of Funding Circle Holdings Limited?
Currently, no hedge funds are holding shares in DE:FCA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Funding Circle Holdings Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
€3.49 (29.23% Upside)
€3.49 (29.23% Upside)
Insider Transactions
Bought Shares
Worth €11.6K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
54.04%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
30.82%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Funding Circle Holdings Limited
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.
FCA Stock 12 Month Forecast
Average Price Target
€3.49
▲(29.23% Upside)
Technical Analysis
Time Finance plc
―
Orchard Funding
―
Sancus Lending Group
―
Distribution Finance Capital Holdings Plc
―
ASA International Group PLC
―