Funding Circle Holdings Limited (DE:FCA)
FRANKFURT:FCA
FCA Stock Chart & Stats
€1.40
-€0.10(-6.54%)
At close: 4:00 PM EST
€1.40
-€0.10(-6.54%)
Day’s Range― - ―
52-Week Range€1.24 - €2.26
Previous CloseN/A
Volume0.00
Average Volume (3M)23.00
Market Cap
€454.60M
Enterprise Value€531.86M
Total Cash (Recent Filing)€447.00M
Total Debt (Recent Filing)€273.60M
Price to Earnings (P/E)9.0
Beta0.80
Next Earnings
Sep 03, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.15
Shares Outstanding298,753,080
10 Day Avg. Volume70
30 Day Avg. Volume23
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
€3.46Price Target Upside147.25% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)<0.01
Revenue Forecast (FY)€2.71M
Bulls Say, Bears Say
Bulls Say
Strong Recent Revenue Growth & ProfitabilityA 28% revenue uplift and a return to net profit in 2025 indicate improving core origination and servicing performance. Sustained top-line recovery strengthens unit economics, supports reinvestment in underwriting and tech, and can help build durable operating leverage if growth persists.
Fee-based Origination & Servicing ModelA fee-centric platform reduces direct interest-rate exposure and creates recurring servicing income tied to outstanding balances. This business model scales with origination volumes, benefits from platform technology, and can produce more stable, annuity-like revenue over time versus pure balance-sheet lending.
Meaningful Equity Cushion And Asset GrowthMaterial equity (~£228m) and asset growth provide loss-absorbing capacity and capital to support underwriting and platform expansion. A stronger capital base improves resilience to credit shocks and underpins the ability to invest in operations without immediate reliance on external funding.
Bears Say
Sustained Negative Operating & Free Cash FlowTwo consecutive years of negative operating and free cash flow reduce internal funding for originations and technology. Persistent cash burn forces reliance on external financing, heightening refinancing risk and limiting the company's ability to invest or weather downturns without dilutive or costly funding.
Sharp Rise And Variability In LeverageLeverage more than doubled in a year and has been historically volatile, raising refinancing and interest-cost risks. For a platform dependent on funding markets, higher debt reduces financial flexibility and magnifies downside if credit performance softens or funding conditions tighten.
Historic Earnings VolatilityWide swings in profitability across recent years indicate earnings are cyclical and sensitive to underwriting, credit cycles, and funding conditions. This volatility complicates forecasting, capital planning and undermines confidence that the current profit run-rate is durable without consistent credit performance.
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 €2.26 in the past 12 months.
What is Funding Circle Holdings Limited’s market cap?
Funding Circle Holdings Limited’s market cap is €454.60M.
When is Funding Circle Holdings Limited’s upcoming earnings report date?
Funding Circle Holdings Limited’s upcoming earnings report date is Sep 03, 2026 which is in 87 days.
How were Funding Circle Holdings Limited’s earnings last quarter?
Funding Circle Holdings Limited released its earnings results on Mar 05, 2026. The company reported €0.147 earnings per share for the quarter, beating the consensus estimate of N/A by €0.147.
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 298,753,080 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 €0.147 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.925%.
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
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
€3.46 (147.25% Upside)
€3.46 (147.25% Upside)
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-16.31%
12-Months-Change
Fundamentals
Return on Equity
21.54%
Trailing 12-Months
Asset Growth
49.69%
Trailing 12-Months
Company Description
Funding Circle Holdings Limited
Funding Circle Holdings plc, operating through its subsidiaries, provides digital lending platforms to businesses in the United Kingdom, the United States, and other global markets. The company specializes in offering a range of financial solutions for small and medium-sized enterprises (SMEs), including conventional small business loans, recovery loan initiatives, and broader business finance products. Additionally, it supplies Flexipay and Flexipay card services. A unique feature of its structure is its function as a special purpose, bankruptcy-remote entity, which facilitates the issuance of debt securities to accredited investors, with repayments linked to the performance of underlying loans. Founded in 2010, Funding Circle Holdings plc maintains its corporate headquarters in London, United Kingdom.
FCA Stock 12 Month Forecast
Average Price Target
€3.46
▲(147.25% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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