FDCHF

Funding Circle Holdings plc

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Price alert · FDCHF

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2.95 USD 0.00 0.00%
As of Oct 30, 2026
2.95 Day range 2.95
1.53 52-week range 3.20
YTD
+84.38%
1 year
+92.81%
Open
2.95
Prev close
2.95
Mkt cap
825.25M
Vol
7.49K
Avg vol
115
EPS
0.26
P/E
11.35
More statistics
Low
2.95
High
2.95

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Financial health

Altman Z-Score

3.03 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 1
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 2
  • P/E 4
  • P/B 1

Valuation

P/E 7.9×
FY 2016: -28.7×FY 2017: -26.3×FY 2018: -22.2×FY 2019: -3.5×FY 2020: -2.7×FY 2021: 9.8×FY 2022: -34.3×FY 2023: -3.4×FY 2024: 50.2×FY 2025: 7.9×
FY 2016 5y median 7.9× FY 2025
P/S 2.3×
FY 2016: 27.0×FY 2017: 13.3×FY 2018: 7.6×FY 2019: 1.7×FY 2020: 1.2×FY 2021: 2.7×FY 2022: 1.5×FY 2023: 1.0×FY 2024: 2.7×FY 2025: 2.3×
FY 2016 5y median 2.3× FY 2025
P/B 2.2×
FY 2016: 13.2×FY 2017: 8.2×FY 2018: 2.7×FY 2019: 0.9×FY 2020: 1.3×FY 2021: 2.0×FY 2022: 0.8×FY 2023: 0.5×FY 2024: 2.0×FY 2025: 2.2×
FY 2016 5y median 2.0× FY 2025
P/FCF -14.6×
FY 2016: -26.7×FY 2017: -36.2×FY 2018: -25.9×FY 2019: -6.6×FY 2020: 12.8×FY 2021: 6.4×FY 2022: -9.7×FY 2023: -3.4×FY 2024: -5.5×FY 2025: -14.6×
FY 2016 5y median -5.5× FY 2025
EV/EBITDA 20.0×
FY 2016: -30.1×FY 2017: -40.2×FY 2018: -20.8×FY 2019: -11.7×FY 2020: -3.0×FY 2021: 7.6×FY 2022: 30.5×FY 2023: 2.2×FY 2024: 25.8×FY 2025: 20.0×
FY 2016 5y median 20.0× FY 2025
EV/Sales 2.8×
FY 2016: 26.1×FY 2017: 12.3×FY 2018: 5.5×FY 2019: 4.7×FY 2020: 0.8×FY 2021: 2.8×FY 2022: 0.8×FY 2023: -0.2×FY 2024: 2.2×FY 2025: 2.8×
FY 2016 5y median 2.2× FY 2025
FCF Yield -6.8%
FY 2016: -3.7%FY 2017: -2.8%FY 2018: -3.9%FY 2019: -15.2%FY 2020: 7.8%FY 2021: 15.5%FY 2022: -10.3%FY 2023: -29.3%FY 2024: -18.3%FY 2025: -6.8%
FY 2016 5y median -10.3% FY 2025

Profitability

Gross Margin 89.9%
FY 2016: 18.3%FY 2017: 46.7%FY 2018: 44.2%FY 2019: 86.4%FY 2020: 90.7%FY 2021: 72.0%FY 2022: 44.9%FY 2023: 47.4%FY 2024: 52.9%FY 2025: 89.9%
FY 2016 5y median 52.9% FY 2025
Operating Margin 9.2%
FY 2016: -94.1%FY 2017: -39.0%FY 2018: -36.4%FY 2019: -50.6%FY 2020: -43.4%FY 2021: 29.3%FY 2022: 14.8%FY 2023: 5.2%FY 2024: 0.5%FY 2025: 9.2%
FY 2016 5y median 9.2% FY 2025
Net Margin 20.7%
FY 2016: -91.6%FY 2017: -37.4%FY 2018: -34.7%FY 2019: -50.6%FY 2020: -44.3%FY 2021: 27.9%FY 2022: -4.4%FY 2023: -29.5%FY 2024: 5.3%FY 2025: 20.7%
FY 2016 5y median 5.3% FY 2025
ROE 20.1%
FY 2016: -44.7%FY 2017: -23.0%FY 2018: -12.3%FY 2019: -26.6%FY 2020: -49.8%FY 2021: 21.3%FY 2022: -2.4%FY 2023: -15.5%FY 2024: 4.0%FY 2025: 20.1%
FY 2016 5y median 4.0% FY 2025
ROIC 3.8%
FY 2016: -45.2%FY 2017: -23.3%FY 2018: -12.3%FY 2019: -8.7%FY 2020: -15.4%FY 2021: 11.7%FY 2022: 3.5%FY 2023: 2.1%FY 2024: 0.1%FY 2025: 3.8%
FY 2016 5y median 3.5% FY 2025
ROA 8.6%
FY 2016: -40.2%FY 2017: -21.0%FY 2018: -11.5%FY 2019: -8.5%FY 2020: -13.8%FY 2021: 10.8%FY 2022: -1.8%FY 2023: -10.3%FY 2024: 2.4%FY 2025: 8.6%
FY 2016 5y median 2.4% FY 2025

Growth (YoY)

Revenue 37.6%
FY 2016: 59.1%FY 2017: 85.7%FY 2018: 50.2%FY 2019: 18.0%FY 2020: 46.2%FY 2021: -10.4%FY 2022: -29.0%FY 2023: -16.7%FY 2024: 24.7%FY 2025: 37.6%
FY 2016 FY 2025
Operating Income 2449.6%
FY 2016: -20.7%FY 2017: 23.0%FY 2018: -39.8%FY 2019: -64.1%FY 2020: -25.5%FY 2021: 160.4%FY 2022: -64.2%FY 2023: -70.4%FY 2024: -88.2%FY 2025: 2449.6%
FY 2016 FY 2025
EPS (diluted) 460.0%
FY 2016: -16.7%FY 2017: 0.0%FY 2018: -28.6%FY 2019: -33.3%FY 2020: -29.2%FY 2021: 151.6%FY 2022: -112.4%FY 2023: -455.6%FY 2024: 122.7%FY 2025: 460.0%
FY 2016 FY 2025
Free Cash Flow 56.6%
FY 2016: -18.5%FY 2017: 32.6%FY 2018: -20.8%FY 2019: -5.7%FY 2020: 151.6%FY 2021: 297.8%FY 2022: -126.8%FY 2023: -55.1%FY 2024: -110.3%FY 2025: 56.6%
FY 2016 FY 2025

Financial Health

Current Ratio 1.7×
FY 2016: 5.0×FY 2017: 7.5×FY 2018: 13.4×FY 2019: 1.4×FY 2020: 1.2×FY 2021: 2.1×FY 2022: 4.4×FY 2023: 2.6×FY 2024: 2.3×FY 2025: 1.7×
FY 2016 5y median 2.3× FY 2025
Quick Ratio 1.7×
FY 2016: 5.2×FY 2017: 7.7×FY 2018: 13.6×FY 2019: 2.5×FY 2020: 2.2×FY 2021: 3.0×FY 2022: 5.5×FY 2023: 2.6×FY 2024: 2.3×FY 2025: 1.7×
FY 2016 5y median 2.6× FY 2025
Debt / Equity 1.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.1×FY 2019: 2.0×FY 2020: 2.4×FY 2021: 0.8×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.5×FY 2025: 1.2×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA 3.9×
FY 2016: 1.0×FY 2017: 3.1×FY 2018: 8.2×FY 2019: -7.4×FY 2020: 1.2×FY 2021: 0.5×FY 2022: -27.2×FY 2023: 14.7×FY 2024: -5.7×FY 2025: 3.9×
FY 2016 5y median 0.5× FY 2025
Interest Coverage 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: -51.6×FY 2019: -70.6×FY 2020: -75.9×FY 2021: 58.4×FY 2022: 25.6×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: -1.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31