Funding Circle Holdings/£FCH
1D1W1MYTD1Y5YMAX
Capital at risk
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
£553M
9.43
£0.20
0.76
-
Price and volume
Market cap
£553M
Beta
0.76
52-week high
£2.52
52-week low
£1.13
Average daily volume
1.2M
Financial strength
Current ratio
1.645
Quick ratio
1.645
Long term debt to equity
0.016
Total debt to equity
1.053
Profitability
EBITDA (TTM)
39.4
Gross margin (TTM)
69.82%
Net profit margin (TTM)
25.10%
Operating margin (TTM)
15.63%
Effective tax rate (TTM)
-63.54%
Revenue per employee (TTM)
£310,000
Management effectiveness
Return on assets (TTM)
5.22%
Return on equity (TTM)
28.51%
Valuation
Price to earnings (TTM)
9.433
Price to revenue (TTM)
2.358
Price to book
2.34
Price to tangible book (TTM)
2.57
Price to free cash flow (TTM)
-9.563
Free cash flow yield (TTM)
-10.46%
Free cash flow per share (TTM)
-0.2
Growth
Revenue change (TTM)
44.37%
Earnings per share change (TTM)
183.36%
3-year revenue growth (CAGR)
22.47%
3-year earnings per share growth (CAGR)
29.41%
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
Funding Circle delivered strong H1 2026 operating momentum, with revenue up 50% to £138.2m and profit before tax quadrupling to £24.1m; FY26 guidance was raised to more than £255m revenue and more than £40m PBT. (RNS)
The core Term Loans business is scaling with attractive operating leverage: originations rose 43% to £1.05bn, while segment PBT margin increased to 26.4%; committed forward-flow capacity reached £2.4bn. (RNS)
Institutional funding depth is improving, with Castlelake committing up to £500m over two years and Funding Circle continuing to operate a capital-light platform that transfers most Term Loan credit risk to investors. (Reuters)
CEO Lisa Jacobs plans to step down no later than September 2027, creating succession and execution risk during an important growth phase. (RNS)
FlexiPay and Credit Card remain loss-making, with a £4.5m H1 2026 loss before tax; expected credit losses also rose to £15.2m from £8.4m as the portfolio expanded. (RNS)
Growth momentum may moderate: management said strong SME demand in Q1 2026 normalised in Q2, while its medium-term outlook assumes a stable macroeconomic environment. (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 8 Sept 2026.
FCH Financial Performance
Revenues and expenses
FCH Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing FCH
Fund name | Fund size | £FCH weighting |
|---|---|---|
Vanguard FTSE 250£VMID | £1.6B | 0.10% |
iShares FTSE 250£MIDD | £661M | 0.08% |
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.