Funding Circle Holdings Limited, through its subsidiaries, provides online lending platforms in the United Kingdom, the United States, Germany, and the Netherlands.
The last earnings update was 124 days ago.
Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
Funding Circle Holdings. This is due to cash flow or dividend data being
unavailable. The share price is
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
Funding Circle Holdings's
is considered below, and whether this is a fair price.
Price based on past earnings
Funding Circle Holdings's earnings available for a low price, and how does
this compare to other companies in the same industry?
Funding Circle Holdings's earnings are expected to grow significantly at over 20% yearly.
Funding Circle Holdings's revenue is expected to grow significantly at over 20% yearly.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
All data from Funding Circle Holdings Company Filings, last reported 6 months ago, and in
Trailing twelve months (TTM)
annual period rather than quarterly.
BST:FCA Past Revenue, Cash Flow and Net Income Data
Date (Data in GBP Millions)
Net Income *
*GAAP earnings excluding extraordinary items.
Performance last year
We want to ensure a company is making the most of what it has available. This is
done by comparing the return (profit) to a company's available
It is difficult to establish if Funding Circle Holdings has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
It is difficult to establish if Funding Circle Holdings has efficiently used its assets last year compared to the DE Interactive Media and Services industry average (Return on Assets) as it is loss-making.
It is difficult to establish if Funding Circle Holdings improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
Funding Circle Holdings's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
Interactive Media and Services
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
Funding Circle Holdings
has a total score of
0/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
A company's financial position is much like your own financial position,
it includes everything you own
The boxes below represent the relative size of what makes up
Funding Circle Holdings's finances.
The net worth of a company is the difference between its assets and liabilities.
Funding Circle Holdings is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
Funding Circle Holdings's cash and other short term assets cover its long term commitments.
This treemap shows a more detailed breakdown of
Funding Circle Holdings's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Low level of unsold assets.
Funding Circle Holdings has no debt, it does not need to be covered by short term assets.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
Mr. Samir Desai, CBE Co-founded Funding Circle Holdings Limited in 2010 and is the Chief Executive Officer and Director. Mr. Desai co-founded Funding Circle Limited in 2009 and has been its Chief Executive Officer since August 2010. Mr. Desai is responsible for driving the Funding Circle strategy, overseeing the it’s finances and managing the day to day operations. He was an Executive at Olivant Advisers Limited. Prior to Olivant, Mr. Desai has worked for The Boston Consulting Group, where he worked across a range of Financial Services sub-sectors, including retail banking, investment banking, non-life insurance and corporate foreign exchange. He also serves as a Director of Funding Circle Limited.
Insufficient data for Samir to compare compensation growth.
Insufficient data for Samir to establish whether their remuneration is reasonable compared to companies of similar size in Germany.
Management Team Tenure
Average tenure of the
Funding Circle Holdings
management team in years:
The tenure for the Funding Circle Holdings management team is about average.
CFO & Director
Company Secretary & Global General Counsel
Chief Marketing Officer
Chief People Officer
Head of broker
Board of Directors Tenure
Average tenure and age of the
Funding Circle Holdings
board of directors in years:
The average tenure for the Funding Circle Holdings board of directors is less than 3 years, this suggests a new board.
Funding Circle Holdings Limited, through its subsidiaries, provides online lending platforms in the United Kingdom, the United States, Germany, and the Netherlands. Its platforms allow investors, such as retail investors, banks, asset management companies, insurance companies, and government-backed entities and funds to provide business loans for small and medium sized businesses. The company's platforms offer secured and unsecured loans. It is also involved in the capital market activities. In addition, the company operates as a broker dealer and an originator of the borrower loans; runs down loan book; and provides Web based lending services. Further, it issues and sells borrower payment dependent notes to fractional marketplace investors; and purchases and holds corresponding borrower loans from the originators. It also operates as a general partner of FC Partners LP and Funding Circle Diversified Income Fund, LP. Funding Circle Holdings Limited was founded in 2010 and is headquartered in London, the United Kingdom.
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