Openbookopenbook
Equity
Funding Circle Holdings PLC(FCH)
GBX --+0.00%
Reward41Moderate
Risk38Moderate
📊75%Data
Strong 16% profit margin · Revenue growing 17% YoY
FCH
+0.0 · +0.00%
GBX · LSE
Funding Circle Holdings PLC | Financial Services
Earnings Deterioration
Market Cap:402.22M
ℹ️
Reward Rating
41
Moderate
Bottom 10% (model universe)
75% data coverage
ℹ️
Risk Rating
38
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on FCH to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: 187p.

What is Funding Circle Holdings PLC?

Funding Circle Holdings plc, together with its subsidiaries, provides online lending platforms in the United Kingdom and internationally.

FCH · Verdict

Moderate reward · moderate risk

FCH stands out on balance sheet and volatility, but watch the cash flow signal.

Based on 88% data coverage

FCH · Verdict

What’s working & what to watch

Strengths 2

  • Balance sheet97/100

    Current ratio 2.28

  • Volatility65/100

    Above average

Watchouts 4

  • Cash flow27/100

    -44% free-cash-flow margin

  • Profitability31/100

    5% net margin · 4% ROE

  • Valuation36/100

    P/E 34.1× · PEG 0.41

  • Growth42/100

    Rev -9.9% CAGR · earnings -48.0%

Model-based scoring. For information only — not financial advice.

What is Funding Circle Holdings PLC?

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, and business finance solutions to small enterprises. The company is listed on the LSE in UK, operating in the Financial Services sector, with a market capitalisation of 402.22M, and a P/E ratio of 69.7x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Thin or inconsistent margins weigh on earnings quality.
⚠️ Risk
Risk profile appears balanced versus broad market conditions.
💸 Valuation
Premium valuation reflects strong growth expectations already priced in.

OpenBook Logo Analysis

Reward: Moderate (41)

The scoring profile indicates limited reward potential at this time, with momentum and size offering the most support. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap402.22M
P/E Ratio69.7
Dividend YieldN/A
52 Week High176.8
52 Week Low87.1
Last AnnualDecember
IPO DateN/A
IncorporatedUK
Shares Outstanding289M
No. of Employees727
IndustryCredit Services
ExchangeLSE
Beta0.639
CurrencyGBX · Reports in GBP
Websitewww.fundingcircle.com
openbook

Stock research for everyday UK investors. Make smarter decisions, faster.

Questions? Email us at contact@openbookanalytics.com

© 2026 Openbook Analytics Ltd · Company No. SC843579 · Registered in Scotland

256-bit encryption GDPR compliant UK data centres

Openbook Analytics Ltd (Company No. SC843579) is registered in Scotland. Registered office: Strathclyde Inspire Hub, University of Strathclyde, Graham Hills Building (Level 6), 50 Richmond Street, Glasgow, G1 1XP. Openbook Analytics is not authorised or regulated by the Financial Conduct Authority (FCA). The content on this platform is provided for general informational and educational purposes only and does not constitute financial advice, investment advice, trading advice, or any other form of advice. You should not treat any content on this platform as a recommendation to buy, sell, or hold any financial instrument. Past performance is not a reliable indicator of future results. The value of investments and the income from them can go down as well as up, and you may get back less than you invest. User-generated content, including community posts and commentary, reflects the personal opinions of individual users, is not verified for accuracy, and does not represent the views of Openbook Analytics Ltd. You should always conduct your own research or consult a qualified, FCA-regulated financial adviser before making investment decisions. Data displayed on this platform may be delayed or inaccurate and is provided "as is" without warranty. Openbook Analytics Ltd accepts no liability for any loss arising from reliance on the information provided.