Want to see GB:FCH full AI Analyst Report?
FCH Stock Chart & Stats
219.50 p
-4.00 p(-1.75%)
At close: 4:00 PM EDT
219.50 p
-4.00 p(-1.75%)
Day’s Range― - ―
52-Week Range113.20 p - 252.03 p
Previous CloseN/A
Volume383.45K
Average Volume (3M)1.24M
Market Cap
£549.39M
Enterprise Value249.73M
Total Cash (Recent Filing)£445.80M
Total Debt (Recent Filing)£254.80M
Price to Earnings (P/E)9.9
Beta1.51
Next Earnings
Mar 11, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.21
Shares Outstanding293,311,340
10 Day Avg. Volume894,036
30 Day Avg. Volume1,236,823
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
£299.00Price Target Upside36.22% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.11
Revenue Forecast (FY)£264.30M
Bulls Say, Bears Say
Bulls Say
Revenue Growth And ProfitabilityRapid growth in revenue, credit extended and profit indicates stronger operating momentum and improving earnings capacity. The simultaneous expansion of activity and profitability is more durable than growth alone, supporting reinvestment and potentially strengthening Funding Circle’s position in SME lending.
Technology And Credit-Model AdvantageA long proprietary data history and advanced credit models can improve underwriting, pricing and borrower conversion over time. The six-minute application and largely instant decisions also support scalable customer acquisition, while better risk differentiation may help protect returns as lending volumes expand.
Capital-Light Funding PlatformFunding most term-loan assets through external investors reduces the amount of balance-sheet capital required to grow the platform. Diverse funding, forward-flow arrangements and new investor commitments can support scalable origination while limiting direct exposure to retained-loan funding needs.
Bears Say
Higher LeverageThe sharp increase in debt raises financial exposure even though equity also provides meaningful support. Greater leverage can reduce flexibility if operating performance weakens, increase dependence on continued funding access, and make downturns or tighter financing conditions more difficult to absorb.
Negative Cash GenerationPersistent operating and free-cash-flow deficits reduce the internally generated funding available for product investment, balance-sheet support and shareholder returns. Continued cash burn can increase reliance on external capital and make the business more sensitive to changes in funding availability or credit conditions.
Losses In Newer Credit ProductsThe newer products are growing quickly but currently absorb significant credit-loss expense and remain loss-making. Their future contribution therefore depends on reaching breakeven while managing elevated loss rates, creating execution and portfolio-quality risk as balances continue to expand.
Funding Circle Holdings News
FCH FAQ
What was Funding Circle Holdings Limited’s price range in the past 12 months?
Funding Circle Holdings Limited lowest share price was 113.20 p and its highest was 252.03 p in the past 12 months.
What is Funding Circle Holdings Limited’s market cap?
Funding Circle Holdings Limited’s market cap is £549.39M.
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 140 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 0.074 p 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 293,311,340 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 0.074 p in its last earnings report. Following the earnings report the stock price went down -8.696%.
Which hedge fund is a major shareholder of Funding Circle Holdings Limited?
Currently, no hedge funds are holding shares in GB:FCH
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:
£299.00 (36.22% Upside)
£299.00 (36.22% Upside)
Insider Transactions
Bought Shares
Worth £9.9K 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
71.95%
12-Months-Change
Fundamentals
Return on Equity
26.71%
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.
FCH Stock 12 Month Forecast
Average Price Target
299.00 p
▲(36.22% Upside)
Technical Analysis
Time Finance plc
―
Orchard Funding
―
Sancus Lending Group
―
Distribution Finance Capital Holdings Plc
―
ASA International Group PLC
―