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    Financial - Credit Services
Funding Circle Holdings plc

Funding Circle Holdings plc

FDCHF
Funding Circle Holdings plcUS flagOther OTC
2.18
USD
- -
- -
622.55MMarket Cap
Funding Circle Holdings plc
FDCHF
(Other OTC)

Recent

price

2.18

P/E

ratio

- -

div

yld

- -

ROIC.AI

2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
FRC
0.09
0.15
0.28
0.52
0.53
0.71
0.62
0.45
0.38
0.47
0.71
Revenue per Share
-0.12
-0.14
-0.1
-0.18
-0.24
-0.31
0.17
-0.02
-0.11
0.03
0.15
Basic EPS, GAAP
-0.13
-0.15
-0.1
-0.16
-0.13
0.07
0.25
-0.06
-0.11
-0.23
-0.14
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
-0.2
-0.34
-0.44
0.32
0.02
-0.28
-0.1
-0.14
-0.25
0.56
0.64
Book Value per Share
0.27
0.15
0.28
1.24
0.82
0.56
0.75
0.73
0.65
0.57
0.66
Tangible Book Value per Share
342
342
342
271
348
347
352
349
344
342
315
Basic Weighted Avg Shares
32
51
94
142
185
245
219
156
130
162
222
Sales/Revenue/Turnover
-122.81
-95.09
-39.15
-31.92
-27.21
-36.25
31.07
-8.29
-7.63
2.35
9.17
Operating Margin (%)
1
4
7
12
15
17
14
15
17
13
11
Depreciation Expense
-40
-47
-35
-50
-85
-108
61
-7
-38
9
46
Net Income, GAAP
- -
- -
- -
- -
- -
- -
4.52
- -
- -
62.5
- -
Effective Tax Rate (%)
-123.75
-91.55
-37.35
-34.88
-45.73
-44.26
27.92
-4.43
-29.53
5.32
20.67
Profit Margin (%)
88
45
91
333
261
156
215
216
194
172
165
Working Capital
- -
- -
- -
20
30
48
90
35
8
6
4
LT Debt
133
104
153
401
319
218
288
284
247
216
228
Total Equity
- -
- -
- -
- -
- -
- -
10.22
- -
- -
0.44
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
19.94
- -
- -
6.04
- -
Return on Capital (%)
- -
- -
- -
- -
-179.64
- -
- -
- -
- -
- -
23.47
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
14.57%
2.22%
5.5%
Free Cash Flow
16.42%
60.46%
-45.4%
Net Income, GAAP
63.23%
99.94%
434.88%
Sales/Revenue/Turnover
26.37%
1.24%
37.6%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
130
2024
- -
- -
- -
- -
162
2025
- -
- -
- -
- -
222

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
-0.11
2024
- -
- -
- -
- -
0.03
2025
- -
- -
- -
- -
0.15

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
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Business
Funding Circle Holdings plc (LSE: FCH) operates as the United Kingdom's leading small and medium-sized enterprise (SME) finance platform, providing technology-driven lending solutions to help SMEs access funding for growth, cash flow management, and operations. The company offers a diverse range of products including term loans up to £750,000 over six years with interest from 6.9%; FlexiPay revolving credit facilities up to £250,000 payable in 1 to 12 months with fees from 1.99% per transaction; Cashback business credit cards up to £250,000 featuring 2% cashback for six months (up to £2,000) and 1% thereafter with interest from 14.9%; Growth Guarantee Scheme loans from £25,001 to £250,000 at rates from 13.4%; and asset finance up to £5 million through specialist partners. It serves SMEs across sectors such as wholesale and retail, real estate, health services, and others, primarily in the UK with historical operations in Germany and the Netherlands incorporated into term loans segments; principal reporting segments comprise UK Term Loans and FlexiPay. Founded in 2010 and headquartered at 71 Queen Victoria Street in London, the company has extended over £16 billion in credit to approximately 110,000 SMEs, with £2.8 billion in loans under management and 721 employees. Recent major changes include the June 2024 sale of its US business to iBusiness Funding for £33 million to focus on profitable UK growth; extension of its strategic partnership with TPG Angelo Gordon and Barclays via a £300 million forward flow deal in September 2025; and robust half-year 2025 results showing 21% credit extension growth to £1,111 million. Subsidiaries encompass Funding Circle Ltd, Funding Circle CE GmbH, and Funding Circle Global Partners Limited.

Company News

APIChat

  • seekingalpha.com

    Funding Circle Holdings plc (FDCHF) Q4 2025 Earnings Call Transcript

  • seekingalpha.com

    Funding Circle Holdings Plc (FDCHF) Q2 2025 Earnings Call Transcript