Funding Circle Holdings Plc

Funding Circle Holdings Plc

2.42
EUR
0.00
(0.00%)
504.64MMarket Cap
Mar 11Next Earn
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.09
0.15
0.28
0.52
0.53
0.71
0.62
0.45
0.38
0.47
0.71
- -
Basic EPS, GAAP
-0.12
-0.14
-0.1
-0.18
-0.24
-0.31
0.17
-0.02
-0.11
0.02
0.15
- -
Free Cash Flow per Basic Share
-0.13
-0.15
-0.1
-0.16
-0.13
0.07
0.25
-0.06
-0.11
-0.23
-0.14
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
0.39
0.3
0.45
1.16
0.92
0.62
0.82
0.84
0.73
0.69
0.79
0.85
Tangible Book Value per Share
0.27
0.15
0.28
0.97
0.82
0.55
0.74
0.75
0.66
0.62
0.72
0.78
Basic Weighted Avg Shares
342
342
342
271
348
347
352
349
344
345
315
349
Sales/Revenue/Turnover
32
51
95
142
185
245
219
156
130
162
223
- -
Operating Margin (%)
-122.81
-95.09
-39.15
-31.92
-27.21
-36.25
31.07
-8.29
-7.63
2.35
9.17
- -
Depreciation Expense
1
4
7
13
15
17
14
15
17
13
11
- -
Net Income, GAAP
-40
-47
-35
-49
-85
-108
61
-7
-38
9
46
- -
Effective Tax Rate (%)
- -
- -
- -
- -
- -
- -
4.52
- -
- -
62.5
- -
- -
Profit Margin (%)
-123.75
-91.55
-37.35
-34.88
-45.73
-44.26
27.92
-4.43
-29.53
5.32
20.67
- -
Working Capital
88
45
91
333
261
156
215
216
194
172
165
184
LT Debt
- -
- -
- -
20
30
48
90
35
8
6
5
4
Total Equity
133
104
153
401
319
218
288
284
247
217
228
242
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
9.64
- -
- -
0.44
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
9.85
- -
- -
2.68
- -
- -
Return on Common Equity (%)
- -
-39.26
-27.41
-17.86
-23.53
-40.37
24.21
-2.41
-14.43
3.71
20.68
- -

Capital Structure

GBP

•

in mil. unless spec.
Jun'25
Dec'25
Jun'26
ST Debt
173
269
251
LT Borrowings
- -
- -
- -
LT Finance Leases
5
5
4
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
299
289
284
Market Capitalization
367
351
435

Working Capital

GBP

•

in mil. unless spec.
Jun'25
Dec'25
Jun'26
Total Current Assets
359
468
468
Cash, Cash Equivalents & STI
149
152
188
Accounts Receivable, Net
21
- -
22
Inventories
- -
- -
- -
Total Current Liabilities
201
302
285
Payables & Accruals
- -
- -
- -
ST Debt
173
269
251
Deferred Revenue
- -
- -
- -

Growth Rates

GBP

•

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
- -
- -
- -

Semi-annual Revenue

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
162
2025
- -
- -
223
2026
- -
- -
- -

Semi-annual Earnings Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.02
2025
- -
- -
0.15
2026
- -
- -
- -

Semi-annual Dividends Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
- -
2025
- -
- -
- -
2026
- -
- -
- -

Company Description

CEO
Lisa Jacobs
Full Time Employees
778
Sector
Finance
Industry
Finance/Rental/Leasing
Address
71 Queen Victoria Street London GL United Kingdom EC4V 4AY
IPO Date
Sep 28, 2018
Business
Funding Circle Holdings plc (LSE: FCH) operates as the United Kingdom's leading small and medium-sized enterprise (SME) finance platform, providing loans and financial services to SMEs through a proprietary technology and data platform that enables quick access to funding; its core offerings include UK term loans from £10,000 to £750,000 with terms of six months to six years, FlexiPay as a flexible line of credit up to £250,000 for supplier payments with repayment options of 1, 3, 6, 9 or 12 months, Cashback Business Credit Card for everyday spending with no foreign transaction fees, and a marketplace connecting borrowers directly or via brokers with institutional lenders; additional products encompass asset, vehicle, agricultural and equipment finance, recovery loan schemes, and business finance solutions. [image not cited] The company, founded in 2010 and headquartered at 71 Queen Victoria Street in London, England, primarily serves UK SMEs with term loans and FlexiPay as its principal reporting segments, while incorporating other loans operations in term lending businesses in Germany and the Netherlands; it has facilitated over £16 billion in credit to more than 110,000 SMEs since inception, with £2.8 billion in loans under management, and maintains subsidiaries including Funding Circle Ltd, Funding Circle CE GmbH and Funding Circle Global Partners Limited. Funding Circle focuses operations on the UK following the June 2024 completion of its US business sale to iBusiness Funding LLC for £33 million in cash consideration, which included all US loan portfolios and generated a £10 million gain before costs, enabling a strategic shift to profitable UK growth; recent developments include the September 2025 renewal of a £750 million forward funding commitment with Waterfall Asset Management and BNP Paribas surpassing £3 billion total financing, a £300 million forward flow agreement in September 2025 with TPG Angelo Gordon and Barclays, a £230 million credit facility from Citi in June 2025 for FlexiPay expansion, a £200 million forward flow deal with Deutsche Bank in July 2025, extension of Bayview partnerships surpassing £1 billion in funding via J.P. Morgan and Citi facilities in April 2025, launch of the market-leading Cashback Business Credit Card in September 2024, its ninth UK public securitisation SBOLT 2025-1 in May 2025, and partnerships such as with TNT Sports as official business finance partner in October 2025 and charity initiatives like Hatch Enterprise's "Get Ready to Start" programme in May 2025.

Company News

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