Accessibility Menu
Funding Circle Plc logo

Funding Circle Plc(LSE) FCH

Market Cap£661.11MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2018)-47%
5 Year+65%
1 Year+69%
1 Month+37%
£2.32
+2.43%
+0.06Today
Funding Circle Plc last closing stock price
MetricPriceDate
Last closeGBX 231.502026-08-04
Funding Circle Plc stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+4.99%GBX 220.502026-07-28
1 month+36.82%GBX 169.202026-07-03
3 month+69.47%GBX 136.602026-05-06
Year to date+83.15%GBX 126.402025-12-31
1 year+69.23%GBX 136.802025-08-04
3 year+372.45%GBX 49.002023-08-04
5 year+65.36%GBX 140.002021-08-05
Since inception-47.39%GBX 4.402018-09-28

Funding Circle Plc Financials at a Glance

Market Cap

£661.11MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

£382.60M

Net Income (TTM)

£54.60M

EPS (TTM)

£0.14

P/E Ratio

15.83

Dividend

£0.00

Beta (Volatility)

-0.03 (Low)

Price

£2.32

Volume

771,916

Open

£2.24

Previous Close

£2.32

Daily Range

£2.24 - £2.35

52-Week Range

£1.13 - £2.35

Estimated Earnings Date

Sep 8, 2026

FCH News

No articles available.

Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About Funding Circle Plc

Funding Circle Holdings plc is a leading online lending platform that connects small businesses with investors. The company operates in the United Kingdom and internationally, providing a range of financial solutions tailored for small enterprises.

Products and Services
  • Small business loans and government-backed recovery loan schemes
  • Business credit cards and finance solutions
  • Asset, vehicle, and equipment finance services
Growth Outlook
  • Revenue increased to £130.2 million in Q4 2025, showing strong demand
  • Net income reached £40.2 million in Q4 2025, indicating profitability
  • Market capitalization stands at approximately £640 million, reflecting investor confidence
Financial Highlights
  • Trailing twelve months (TTM) revenue of £404 million, demonstrating consistent growth
  • Net profit margin of 20.67% TTM, showcasing operational efficiency
  • Current ratio of 1.70 TTM, indicating strong liquidity position
Funding Circle Holdings plc has established itself as a significant player in the financial services sector, particularly in credit services for small businesses. The company's diverse product offerings cater to various financing needs, making it a versatile option for entrepreneurs. Recent financial performance highlights a robust growth trajectory, with substantial revenue and net income figures indicating a healthy demand for its services. The strong current ratio suggests that the company is well-positioned to meet its short-term obligations, further enhancing its appeal to potential investors. Overall, Funding Circle Holdings plc presents a compelling opportunity within the financial services landscape.
AI Generated • Aug 4, 2026

Industry

Consumer Finance

Sector

Financials

Employees

778

CEO

Lisa Jacobs

Website

www.corporate.fundingcircle.com

Headquarters

London, GL EC4V 4AY, GB

FCH Financials

Key Financial Metrics (TTM)

Gross Margin

89.89%

Operating Margin

9.17%

Net Income Margin

20.67%

Return on Equity

21.54%

Return on Capital

4.06%

Return on Assets

8.58%

Earnings Yield

6.32%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

£661.11MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

285.57M

Volume

771.92K

Avg. Volume

1.04M

Financials (TTM)

Gross Profit

£292.00M

Operating Income

£47.50M

EBITDA

£48.80M

Operating Cash Flow

-£101.20M

Capital Expenditure

-£3.50M

Free Cash Flow

-£104.70M

Cash & ST Invst.

£447.00M

Total Debt

£273.60M

Funding Circle Plc Performance Analysis

Funding Circle Plc annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31GBP 156,700,000-28.8%
20232023-12-31GBP 129,900,000-17.1%
20242024-12-31GBP 161,700,00024.5%
20252025-12-31GBP 222,500,00037.6%
Funding Circle Plc sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22024-06-3012.4%
Q42024-12-312.4%
Q22025-06-3014.0%
Q42025-12-3141.1%
Funding Circle Plc annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31GBP -0.02N/A
20232023-12-31GBP -0.11461.1%
20242024-12-31GBP 0.00N/A
20252025-12-31GBP 0.1410669.2%
Funding Circle Plc sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22024-06-3039.3%
Q42024-12-31117.2%
Q22025-06-30174.2%
Q42025-12-31605.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

£130.20M

+84.9%

Gross Profit

£140.40M

+283.6%

Gross Margin

1.08%

N/A

Market Cap

£661.11MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

£849.75K

N/A

Employees

778

N/A

Net Income

£40.20M

+299.0%

EBITDA

£19.30M

+370.7%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Total Cash

£447.00M

+54.1%

Total Debt

£273.60M

+293.7%

Accounts Receivable

£305.80M

+76350.0%

Inventory

£0.00

+100.0%

Long Term Debt

£4.50M

-40.8%

Short Term Debt

£269.10M

+334.7%

Return on Assets

8.58%

N/A

Return on Invested Capital

7.65%

N/A

Free Cash Flow

£300.00K

+101.5%

Operating Cash Flow

£600.00K

+104.1%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
IPF.LInternational Personal Finance plc
£2.50+0.20%
FGEN.LForesight Environmental Infra Ord
£0.86+0.47%
BIPS.LInvesco Bond Income Plus Limited
£1.71+0.29%
TAM.LTatton Asset Management plc
£7.08+0.28%

Trending Stocks

Symbol / CompanyPricePrice Chg
PLTRPalantir Technologies
$162.66+0.29%
SPCXSpace Exploration Technologies
$125.33+0.09%
NVDANvidia
$211.94+0.03%
INTCIntel
$100.86+0.11%

Questions About FCH

What is the current price of Funding Circle Plc?

Funding Circle Plc is trading at £2.32 per share.

What is the 52-week range for Funding Circle Plc?

Over the past 52 weeks, Funding Circle Plc has traded between £1.13 and £2.35.

How much debt does Funding Circle Plc have?

As of the most recent reporting period, Funding Circle Plc reported total debt of £273.60M.

How much cash does Funding Circle Plc have on hand?

Funding Circle Plc reported £152.40M in cash and cash equivalents in its most recent financial results.

What is Funding Circle Plc’s dividend yield?

Funding Circle Plc does not currently have a dividend yield.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services