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Funding Circle Holdings/£FCH

1D1W1M3M6MYTD1Y5YMAX

About Funding Circle Holdings

Funding Circle Holdings is a British financial technology company that operates an online lending platform for small and medium-sized enterprises (SMEs). It connects SMEs seeking business loans with investors willing to provide funding. The company focuses on providing a streamlined borrowing process, leveraging technology to improve the speed and efficiency of securing loans. Founded in 2010, Funding Circle is headquartered in London, United Kingdom, and operates primarily in markets such as the UK, US, Germany, and the Netherlands. Its strategic advantage lies in its data-driven approach to credit assessment and its ability to offer competitive loan terms compared to traditional banking institutions.
Ticker
£FCH
Sector
Finance
Primary listing
LSE
Employees
796
Headquarters
London, United Kingdom
Website
www.fundingcircle.com

FCH Metrics

BasicAdvanced
£580M
10.01
£0.20
0.76
-

What the Analysts think about FCH

Analyst ratings (Buy, Hold, Sell) for Funding Circle Holdings stock.
Analyst projections of the future price of Funding Circle Holdings stock.

Bulls say / Bears say

H1 2026 revenue rose 50% to £138.2m and pre-tax profit quadrupled to £24.1m. Funding Circle raised its full-year guidance to more than £255m of revenue and more than £40m of pre-tax profit. (Funding Circle)
FlexiPay and card transactions grew 71% to £640m, while their pre-tax loss narrowed to £4.5m; 31% of customers now use more than one product. New features, including card-to-bank transfers, could make the platform more useful to SMEs and deepen customer relationships. (Funding Circle, Funding Circle)
The capital-light lending model has £2.4bn of committed forward flows, and a new two-year agreement with Castlelake offers up to £500m of funding. A wider pool of institutional backers can help support further lending without Funding Circle having to fund all the loans itself. (Funding Circle, Funding Circle)
Expected credit losses rose to £15.2m from £8.4m as the FlexiPay and card book expanded, and the combined business still made a £4.5m pre-tax loss. If credit quality weakens, further growth could bring heavier costs and delay profitability. (Kalkine, Funding Circle)
Term-loan originations rely on institutional investors continuing to provide funding, so weaker appetite or less favourable terms could constrain lending and fee income. The current £2.4bn forward-flow pipeline is supportive, but it does not remove that reliance. (Kalkine, Funding Circle)
Chief executive Lisa Jacobs plans to step down by the end of September 2027, leaving a leadership transition ahead. A change at the top could distract from execution as Funding Circle scales newer products and pursues its medium-term targets. (Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 1 Nov 2026.

FCH Financial Performance

Revenues and expenses
Income statement
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
Net income
Profit margin

FCH Earnings Performance

Company profitability
Earnings per share
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
Expected
Surprise

Funds containing FCH

Funds
Fund name
Fund size
£FCH weighting
iShares FTSE 250£MIDD
£672M0.09%
Vanguard FTSE 250£VMIG
£569M0.09%
Vanguard FTSE 250£VMID
£1.5B0.09%
Latest price is delayed by 15 minutes. Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by London Stock Exchange, through Infront.