FCH Share Price Performance
UK£1.32
0.26 (24.44%)
39.1% undervalued intrinsic discount
UK£2.18
Fair Value
Price UK£1.32
AnalystConsensusTarget UK£2.18
AnalystLowTarget UK£1.60
AnalystHighTarget UK£2.20
Fair ValueUK£2.18
Share Pricen/a
Funding Circle Holdings plc Stock Price
- 3 Narratives written by author
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- 7 Fair Values set on narratives written by author
FCH Community Narratives
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Fair Value UK£2.18 39.1% undervalued intrinsic discount
Digital Adoption And AI Will Transform SME Lending
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Fair Value UK£1.6 17.3% undervalued intrinsic discount
Flat Economic Backdrop And Funding Reliance Will Reshape Platform Margins Over Time
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Fair Value UK£2.2 39.8% undervalued intrinsic discount
SME Finance Data Advantage Will Support Rising Margins And Growing Earnings Power
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Digital Adoption And AI Will Transform SME Lending
Key Takeaways Widespread digital adoption and advanced AI credit models position the company to attract more small businesses and drive sustained revenue growth. Expanding product offerings and strong recurring revenue from flexible lending solutions reduce risk and support higher, more stable margins.Read more
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UK£2.18
39.1% undervalued intrinsic discount
Fair Value
Revenue
12.45% p.a.
Profit Margin
18.87%
Future PE
19.31x
Price in 2029
UK£2.86
Flat Economic Backdrop And Funding Reliance Will Reshape Platform Margins Over Time
Catalysts About Funding Circle Holdings Funding Circle Holdings operates a U.K. focused SME finance platform offering term loans, pay later products and a cashback credit card funded largely through institutional partners. What are the underlying business or industry changes driving this perspective?Read more
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UK£1.6
17.3% undervalued intrinsic discount
Fair Value
Revenue
16.05% p.a.
Profit Margin
20.23%
Future PE
11.6x
Price in 2029
UK£2.07
SME Finance Data Advantage Will Support Rising Margins And Growing Earnings Power
Catalysts About Funding Circle Holdings Funding Circle Holdings operates a U.K. focused SME finance platform offering term loans, FlexiPay and a cashback credit card to small and medium sized businesses. What are the underlying business or industry changes driving this perspective?Read more
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UK£2.2
39.8% undervalued intrinsic discount
Fair Value
Revenue
17.03% p.a.
Profit Margin
19.42%
Future PE
14.88x
Price in 2029
UK£2.61
Trending Discussion
Recently Updated Narratives
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FCH: Index Inclusions And 2026 Revenue Guidance Will Drive Bullish Repricing
Fair Value: UK£2.18 39.1% undervalued intrinsic discount
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Flat Economic Backdrop And Funding Reliance Will Reshape Platform Margins Over Time
Fair Value: UK£1.6 17.3% undervalued intrinsic discount
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SME Finance Data Advantage Will Support Rising Margins And Growing Earnings Power
Fair Value: UK£2.2 39.8% undervalued intrinsic discount
1 followerusers have followed this narrative
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Snowflake Analysis
Funding Circle Holdings plc Key Details
Last Reported Earnings
Dec 31, 2025
Next Reporting Earnings
n/a
- 0.15
- 66.52%
- 22.52%
- 117.0%
About FCH
- Founded
- 2010
- Employees
- 778
- CEO
- WebsiteView website
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. It also provides flexipay and flexipay card solutions. In addition, the company offers asset, vehicle, agricultural, and equipment finance services. It acts as a special purpose bankruptcy remote entity that issues loan payment dependent debt securities to accredited investors. Funding Circle Holdings plc was incorporated in 2010 and is based in London, the United Kingdom.
