Funding Circle Holdings plc

LSE:FCH Stock Report

Market Cap: UK£435.4m

Funding Circle Holdings Past Earnings Performance

Past criteria checks 0/6

Funding Circle Holdings has been growing earnings at an average annual rate of 32.8%, while the Consumer Finance industry saw earnings growing at 8.8% annually. Revenues have been growing at an average rate of 3.6% per year.

Key information

32.8%

Earnings growth rate

33.2%

EPS growth rate

Consumer Finance Industry Growth4.2%
Revenue growth rate3.6%
Return on equity-14.4%
Net Margin-17.6%
Next Earnings Update06 Mar 2025

Recent past performance updates

Recent updates

There's Reason For Concern Over Funding Circle Holdings plc's (LON:FCH) Massive 31% Price Jump

Sep 06
There's Reason For Concern Over Funding Circle Holdings plc's (LON:FCH) Massive 31% Price Jump

Revenues Not Telling The Story For Funding Circle Holdings plc (LON:FCH) After Shares Rise 27%

Jul 16
Revenues Not Telling The Story For Funding Circle Holdings plc (LON:FCH) After Shares Rise 27%

Funding Circle Holdings plc's (LON:FCH) 49% Price Boost Is Out Of Tune With Revenues

Apr 28
Funding Circle Holdings plc's (LON:FCH) 49% Price Boost Is Out Of Tune With Revenues

Downgrade: Here's How Analysts See Funding Circle Holdings plc (LON:FCH) Performing In The Near Term

Mar 16
Downgrade: Here's How Analysts See Funding Circle Holdings plc (LON:FCH) Performing In The Near Term

The Market Lifts Funding Circle Holdings plc (LON:FCH) Shares 71% But It Can Do More

Mar 13
The Market Lifts Funding Circle Holdings plc (LON:FCH) Shares 71% But It Can Do More

Potential Upside For Funding Circle Holdings plc (LON:FCH) Not Without Risk

Jan 05
Potential Upside For Funding Circle Holdings plc (LON:FCH) Not Without Risk

Little Excitement Around Funding Circle Holdings plc's (LON:FCH) Earnings

Sep 10
Little Excitement Around Funding Circle Holdings plc's (LON:FCH) Earnings

Analysts Are Upgrading Funding Circle Holdings plc (LON:FCH) After Its Latest Results

Mar 28
Analysts Are Upgrading Funding Circle Holdings plc (LON:FCH) After Its Latest Results

How Many Funding Circle Holdings plc (LON:FCH) Shares Did Insiders Buy, In The Last Year?

Jan 18
How Many Funding Circle Holdings plc (LON:FCH) Shares Did Insiders Buy, In The Last Year?

Revenue & Expenses Breakdown

How Funding Circle Holdings makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

LSE:FCH Revenue, expenses and earnings (GBP Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Jun 24188-33590
31 Mar 24178-36560
31 Dec 23168-38530
30 Sep 23142-25430
30 Jun 23136-22400
31 Mar 23146-14390
31 Dec 22156-7370
30 Sep 2217114370
30 Jun 2218635370
31 Mar 2221148430
31 Dec 2123661480
30 Sep 2123151500
30 Jun 2122740520
31 Mar 21166-34490
31 Dec 20104-108470
30 Sep 2097-139500
30 Jun 2091-169540
31 Mar 20129-127600
31 Dec 19167-85670
30 Sep 19164-69680
30 Jun 19160-53690
31 Mar 19151-51630
31 Dec 18142-49580
30 Sep 18129-46570
30 Jun 18117-43570
31 Mar 18106-39530
31 Dec 1795-35500
31 Dec 1651-47300
31 Dec 1532-40230
31 Dec 1413-19300
31 Dec 135-590

Quality Earnings: FCH is currently unprofitable.

Growing Profit Margin: FCH is currently unprofitable.


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: FCH is unprofitable, but has reduced losses over the past 5 years at a rate of 32.8% per year.

Accelerating Growth: Unable to compare FCH's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: FCH is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (19.5%).


Return on Equity

High ROE: FCH has a negative Return on Equity (-14.41%), as it is currently unprofitable.


Return on Assets


Return on Capital Employed


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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/25 12:53
End of Day Share Price 2024/12/24 00:00
Earnings2024/06/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Funding Circle Holdings plc is covered by 14 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
James GoodmanBarclays
Orson RoutBarclays
Alexander BowersBerenberg