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Funding Circle Plc(LSE) FCH

Market Cap£528.07MMarket 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)-58%
5 Year+32%
1 Year+56%
1 Month-20%
£1.90
+1.61%
+0.03Today
Funding Circle Plc last closing stock price
MetricPriceDate
Last closeGBX 189.802026-09-21
Funding Circle Plc stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.84%GBX 191.402026-09-14
1 month-19.75%GBX 236.502026-08-21
3 month+31.99%GBX 143.802026-06-23
Year to date+50.16%GBX 126.402025-12-31
1 year+55.57%GBX 122.002025-09-19
3 year+375.69%GBX 39.902023-09-22
5 year+31.99%GBX 143.802021-09-22
Since inception-57.55%GBX 4.402018-09-28

Funding Circle Plc Financials at a Glance

Market Cap

£528.07MMarket 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)

£447.20M

Net Income (TTM)

£89.70M

EPS (TTM)

£0.20

P/E Ratio

9.09

Dividend

£0.00

Beta (Volatility)

0.03 (Low)

Price

£1.90

Volume

2,996,669

Open

£1.87

Previous Close

£1.90

Daily Range

£1.87 - £1.94

52-Week Range

£1.13 - £2.52

Estimated Earnings Date

Mar 11, 2027

FCH News

No articles available.

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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 £645.6 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 effective cost management
  • Current ratio of 1.70, indicating strong liquidity position
Funding Circle Holdings plc has established itself as a significant player in the financial services sector, particularly in the online lending space. The company's diverse product offerings cater to the unique needs of small businesses, which are crucial for economic growth. Recent financial performance highlights a robust revenue trajectory and a solid net income, suggesting effective operational strategies and market positioning. The company's liquidity and profitability metrics further enhance its appeal to potential investors, indicating a well-managed business poised for future growth.
AI Generated • Sep 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

99.45%

Operating Margin

7.89%

Net Income Margin

22.93%

Return on Equity

26.71%

Return on Capital

4.06%

Return on Assets

11.83%

Earnings Yield

11.00%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

£528.07MMarket 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

282.69M

Volume

3.00M

Avg. Volume

1.19M

Financials (TTM)

Gross Profit

£383.30M

Operating Income

£57.70M

EBITDA

£73.20M

Operating Cash Flow

-£100.80M

Capital Expenditure

-£1.50M

Free Cash Flow

-£102.30M

Cash & ST Invst.

£445.80M

Total Debt

£254.80M

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
Q42024-12-312.4%
Q22025-06-3014.0%
Q42025-12-3141.1%
Q22026-06-3010.4%
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
Q42024-12-31117.2%
Q22025-06-30174.2%
Q42025-12-31605.9%
Q22026-06-30-36.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

£143.70M

+81.7%

Gross Profit

£132.00M

+224.3%

Gross Margin

91.86%

N/A

Market Cap

£528.07MMarket 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

£678.76K

N/A

Employees

778

N/A

Net Income

£22.60M

+280.8%

EBITDA

£29.40M

+488.0%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

£445.80M

+129.3%

Total Debt

£254.80M

+216.9%

Accounts Receivable

£280.50M

+16400.0%

Inventory

£0.00

N/A

Long Term Debt

£3.80M

-40.6%

Short Term Debt

£251.00M

+239.2%

Return on Assets

11.83%

N/A

Return on Invested Capital

7.71%

N/A

Free Cash Flow

-£52.20M

+4.4%

Operating Cash Flow

-£52.00M

+0.8%

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Questions About FCH

What is the current price of Funding Circle Plc?

Funding Circle Plc is trading at £1.90 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 £2.52.

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.

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