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Equity
Funding Circle Holdings plc(FDCHF)
USD --+0.00%
Reward31Low
Risk37Moderate
📊75%Data
Strong 16% profit margin · Revenue growing 17% YoY
FDCHF
+0.0 · +0.00%
USD · PINK
Funding Circle Holdings plc | Financial Services
Structurally Challenged
Market Cap:629.57M
ℹ️
Reward Rating
31
Low
Bottom 1% (model universe)
75% data coverage
ℹ️
Risk Rating
37
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 FDCHF 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.

What is Funding Circle Holdings plc?

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

FDCHF · Verdict

Limited reward · moderate risk

FDCHF stands out on balance sheet and volatility, but watch the growth signal.

Based on 88% data coverage

FDCHF · Verdict

What’s working & what to watch

Strengths 2

  • Balance sheet97/100

    Current ratio 2.28

  • Volatility65/100

    Above average

Watchouts 4

  • Growth23/100

    Rev -9.6% CAGR · earnings -48.0%

  • Valuation23/100

    P/E 31.0×

  • Cash flow27/100

    -49% free-cash-flow margin

  • Profitability31/100

    5% net margin · 4% ROE

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 PINK in USA, operating in the Financial Services sector, with a market capitalisation of 629.57M, and a P/E ratio of 109.0x.

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: Low (31)

The scoring profile indicates weak reward characteristics across most factors, including momentum and size. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap629.57M
P/E Ratio109
Dividend YieldN/A
52 Week High2.18
52 Week Low1.53
Last AnnualDecember
IPO DateN/A
IncorporatedUSA
Shares Outstanding289M
No. of Employees727
IndustryCredit Services
ExchangePINK
Beta0.702
CurrencyUSD · Reports in GBP
Websitewww.fundingcircle.com
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