FCH Stock Overview
Funding Circle Holdings plc, together with its subsidiaries, provides online lending platforms in the United Kingdom, the United States, and internationally.
Funding Circle Holdings Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||UK£1.22|
|52 Week High||UK£1.90|
|52 Week Low||UK£0.76|
|1 Month Change||-23.75%|
|3 Month Change||-17.79%|
|1 Year Change||41.20%|
|3 Year Change||-69.35%|
|5 Year Change||n/a|
|Change since IPO||-72.27%|
Recent News & Updates
|FCH||GB Consumer Finance||GB Market|
Return vs Industry: FCH underperformed the UK Consumer Finance industry which returned 123.4% over the past year.
Return vs Market: FCH exceeded the UK Market which returned 10.5% over the past year.
|FCH Average Weekly Movement||4.8%|
|Consumer Finance Industry Average Movement||5.1%|
|Market Average Movement||4.9%|
|10% most volatile stocks in GB Market||9.8%|
|10% least volatile stocks in GB Market||2.6%|
Stable Share Price: FCH is not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: FCH's weekly volatility (5%) has been stable over the past year.
About the Company
Funding Circle Holdings plc, together with its subsidiaries, provides online lending platforms in the United Kingdom, the United States, and internationally. Its platforms originate small and medium enterprises loans through asset management companies, government-backed entities, public and private funds, individuals, banks, other institutional investors, national entities, and retail investors, as well as provide business loans for small and medium sized businesses. The company acts as a special purpose bankruptcy remote entity that issues loan payment dependent debt securities to accredited investors.
Funding Circle Holdings Fundamentals Summary
|FCH fundamental statistics|
Is FCH overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|FCH income statement (TTM)|
|Cost of Revenue||UK£80.20m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||0.11|
|Net Profit Margin||17.73%|
How did FCH perform over the long term?See historical performance and comparison
Is Funding Circle Holdings undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate FCH's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate FCH's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: FCH is good value based on its PE Ratio (10.8x) compared to the UK Consumer Finance industry average (11.8x).
PE vs Market: FCH is good value based on its PE Ratio (10.8x) compared to the UK market (19.3x).
Price to Earnings Growth Ratio
PEG Ratio: FCH is good value based on its PEG Ratio (0.5x)
Price to Book Ratio
PB vs Industry: FCH is overvalued based on its PB Ratio (1.7x) compared to the GB Consumer Finance industry average (1.4x).
How is Funding Circle Holdings forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: FCH's forecast earnings growth (22.7% per year) is above the savings rate (0.9%).
Earnings vs Market: FCH's earnings (22.7% per year) are forecast to grow faster than the UK market (12.5% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: FCH's revenue (8% per year) is forecast to grow faster than the UK market (4.9% per year).
High Growth Revenue: FCH's revenue (8% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: FCH's Return on Equity is forecast to be low in 3 years time (6.6%).
How has Funding Circle Holdings performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FCH has high quality earnings.
Growing Profit Margin: FCH became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: FCH has become profitable over the past 5 years, growing earnings by -12.7% per year.
Accelerating Growth: FCH has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: FCH has become profitable in the last year, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-18%).
Return on Equity
High ROE: FCH's Return on Equity (15.9%) is considered low.
How is Funding Circle Holdings's financial position?
Financial Position Analysis
Short Term Liabilities: FCH's short term assets (£542.9M) exceed its short term liabilities (£353.2M).
Long Term Liabilities: FCH's short term assets (£542.9M) exceed its long term liabilities (£249.6M).
Debt to Equity History and Analysis
Debt Level: FCH's net debt to equity ratio (11.7%) is considered satisfactory.
Reducing Debt: Insufficient data to determine if FCH's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: FCH's debt is well covered by operating cash flow (21%).
Interest Coverage: FCH's interest payments on its debt are well covered by EBIT (45.2x coverage).
What is Funding Circle Holdings's current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate FCH's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate FCH's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if FCH's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if FCH's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of FCH's dividend in 3 years as they are not forecast to pay a notable one for the UK market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Samir Desai (38 yo)
Mr. Samir Desai, CBE, Co-founded Funding Circle Holdings plc in 2010 and serves as its Chief Executive Officer and Director since January 2010. Mr. Desai co-founded Funding Circle Limited in 2009 and has b...
CEO Compensation Analysis
Compensation vs Market: Samir's total compensation ($USD265.77K) is below average for companies of similar size in the UK market ($USD1.03M).
Compensation vs Earnings: Samir's compensation has been consistent with company performance over the past year.
Experienced Management: FCH's management team is considered experienced (2.9 years average tenure).
Experienced Board: FCH's board of directors are considered experienced (5.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: FCH insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Funding Circle Holdings plc's employee growth, exchange listings and data sources
- Name: Funding Circle Holdings plc
- Ticker: FCH
- Exchange: LSE
- Founded: 2010
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: UK£434.151m
- Shares outstanding: 355.86m
- Website: https://www.fundingcircle.com
Number of Employees
- Funding Circle Holdings plc
- 71 Queen Victoria Street
- Greater London
- EC4V 4AY
- United Kingdom
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/12/03 21:23|
|End of Day Share Price||2021/12/03 00:00|
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.