YOLFTbeta
Funding Circle Holdings PLC

Funding Circle Holdings PLC

FCH · LSE · Financial Services / Credit Services

250.00GBX+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close250.00
Open245.50
Day Range243.00 – 251.00
52-Week Range113.20 – 252.03
Volume552.95K
Market Cap521.55M
P/E (TTM)9.27
Forward P/E12.30
EPS0.20
Dividend Yield0.00%
Beta0.76
50-Day Avg214.81
200-Day Avg164.44

About

Funding Circle Holdings plc, together with its subsidiaries, provides online lending platforms in the United Kingdom and internationally. The company offers small business loans, recovery loan schemes, government backed loans, business credit cards, and business finance solutions to small enterprises. It also provides flexipay and flexipay card solutions. In addition, the company offers asset, vehicle, agricultural, and equipment finance services. Funding Circle Holdings plc was incorporated in 2010 and is based in London, the United Kingdom.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMs. Lisa Jane Jacobs
  • Employees796
  • Headquarters71 Queen Victoria Street, London, United Kingdom, EC4V 4AY, UK
  • Websitehttps://www.fundingcircle.com

Leadership

  • Ms. Lisa Jane JacobsCEO & Executive Director · b. 1985
  • Mr. Anthony Richard Craig NicolCFO & Director · b. 1976
  • Mr. Grieg McEwanChief Technology Officer
  • Ms. Charlotte BrandInvestor Relations
  • Ms. Sarah WhiteleyCompany Secretary & Chief Legal Officer
  • Mr. John NolanChief People Officer
  • Mr. Alexander AllenU.K. MD, MD of Term Loans & Chief Customer Officer
  • Mr. Jerome FernandezFlexiPay Managing Director
  • Mr. Belkacem KrimiGlobal Chief Risk Officer
  • Mr. Kaustubh JoshiHead of Embedded Finance & Partnerships for the U.S. Business

Financials

Income Statement

Currency: GBP2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.93M5.36M13.10M32.00M50.90M94.50M141.90M167.40M244.70M219.20M155.70M129.70M160.10M222.50M
Growth (%)-+177.95%+144.67%+144.23%+59.06%+85.66%+50.16%+17.97%+46.18%-10.42%-28.97%-16.70%+23.44%+38.98%
Cost of Revenue440.10K1.18M3.03M23.90M41.60M50.40M79.20M22.80M22.70M12.30M4.70M68.20M68.10M22.50M
Gross Profit1.49M4.18M10.07M8.10M9.30M44.10M62.70M144.60M222.00M157.80M69.90M61.50M92.00M200.00M
Gross Margin77.16%77.98%76.85%25.31%18.27%46.67%44.19%86.38%90.72%71.99%44.89%47.42%57.46%89.89%
Operating Expense5.57M9.39M29.64M47.80M57.20M81.00M114.30M229.30M328.30M93.60M46.90M54.70M64.90M179.60M
Operating Income-4.09M-5.21M-19.57M-39.70M-47.90M-36.90M-51.60M-84.70M-106.30M64.20M23.00M6.80M27.10M20.40M
Operating Margin-212.16%-97.33%-149.34%-124.06%-94.11%-39.05%-36.36%-50.60%-43.44%29.29%14.77%5.24%16.93%9.17%
EBITDA-4.05M-5.07M-19.21M-37.90M-44.20M-29.00M-32.00M-68.10M-70.40M82.00M4.10M-10.30M5.40M31.40M
EBITDA Margin-210.02%-94.64%-146.58%-118.44%-86.84%-30.69%-22.55%-40.68%-28.77%37.41%2.63%-7.94%3.37%14.11%
Net Income-4.09M-5.11M-19.41M-39.60M-46.60M-35.30M-49.30M-84.70M-108.30M61.20M-6.90M-38.30M8.60M46.00M
Net Income Margin-212.16%-95.33%-148.13%-123.75%-91.55%-37.35%-34.74%-50.60%-44.26%27.92%-4.43%-29.53%5.37%20.67%
R&D32.20K45.51K176.12K1.27M2.24M18.20M30.60M37.90M8.00M8.20M10.00M16.20M10.70M-
R&D as % of Total Revenue1.67%0.85%1.34%3.96%4.39%19.26%21.56%22.64%3.27%3.74%6.42%12.49%6.68%-
Interest Expense---0001.00M1.20M1.40M1.10M900.00K---
Interest Expense % of Total Revenue---0.00%0.00%0.00%0.70%0.72%0.57%0.50%0.58%---

Balance Sheet

Currency: GBP2010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets232.00K1.62M8.23M30.04M53.44M145.20M115.80M167.90M430.10M995.50M782.20M565.90M384.00M373.20M358.00M535.90M
Total Liabilities40.00K2.56M3.31M2.36M6.49M12.00M11.60M14.50M27.70M676.50M564.60M277.90M100.00M126.40M141.50M307.50M
Total Equity192.00K-4.92M27.57M46.94M133.20M104.20M153.40M402.40M319.00M217.60M288.00M284.00M246.80M216.50M228.40M
Cash196.00K1.53M7.29M19.36M34.99M86.30M43.30M88.90M333.00M149.10M103.30M224.00M177.70M221.40M187.60M152.40M
Total Debt----2.74M---25.10M652.80M520.60M237.40M66.10M69.50M109.50M273.60M
Net Debt---7.29M-19.36M-32.25M-86.30M-43.30M-88.90M-307.90M503.70M417.30M38.00M-91.40M-151.90M-78.10M121.20M

Cash Flow

Currency: GBP2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-3.86M-4.89M-18.47M-35.40M-40.00M-22.60M-28.50M-27.00M33.10M100.10M-10.40M-25.60M-67.40M-33.80M
Investing Cash Flow-318.65K-1.77M-3.65M-10.10M-6.10M-12.70M-13.50M-751.80M22.20M310.90M162.00M66.40M23.30M-126.20M
Financing Cash Flow9.94M19.00M36.58M95.10M81.90M81.90M285.60M612.40M-116.20M-291.20M-201.70M3.70M10.20M124.70M
Capital Expenditure352.81K367.36K798.88K7.90M11.30M12.00M13.30M17.20M10.30M9.40M13.90M12.20M2.90M600.00K
Free Cash Flow-4.22M-5.26M-19.27M-43.30M-51.30M-34.60M-41.80M-44.20M22.80M90.70M-24.30M-37.70M-70.30M-34.40M
Dividends Paid---500.00K500.00K500.00K500.00K-------
FCF to OCF109.13%107.52%104.32%122.32%128.25%153.10%146.67%163.70%68.88%90.61%233.65%147.27%104.30%101.78%
Dividend Paid to FCF----1.15%-0.97%-1.45%-1.20%-------

Earnings

Report DateOct 2, 2018Mar 7, 2019Aug 8, 2019Mar 12, 2020Sep 24, 2020Mar 29, 2021Sep 22, 2021Mar 10, 2022Sep 8, 2022Mar 2, 2023May 15, 2025Sep 4, 2025Sep 8, 2026Mar 4, 2027
EPS Estimate0.00-5.470.00-4.20-1.360.008.86-0.56--3.76----
EPS Actual-0.06-0.06-0.09-0.15-0.330.020.100.070.02-0.040.010.02--
Surprise-98.90%-96.43%75.74%--98.87%112.50%-98.94%----
Timing-------Pre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-market

Key Statistics & Ratios

Market Cap521.55M
Enterprise Value592.26M
Trailing P/E9.27
Forward P/E12.30
Price / Sales2.08
Price / Book2.17
EPS0.20
Book Value0.816
Revenue (TTM)250.20M
Gross Profit (TTM)174.70M
EBITDA39.40M
Profit Margin25.10%
Operating Margin17.94%
Return on Equity28.51%
Return on Assets5.22%
Shares Outstanding281.31M
Shares Float145.60M
Beta0.76
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%