Funding Circle Holdings plc

OTCPK:FDCH.F Stock Report

Market Cap: US$537.4m

Funding Circle Holdings Valuation

Is FDCH.F undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of FDCH.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate FDCH.F's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate FDCH.F's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for FDCH.F?

Key metric: As FDCH.F is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for FDCH.F. This is calculated by dividing FDCH.F's market cap by their current revenue.
What is FDCH.F's PS Ratio?
PS Ratio2.3x
SalesUK£187.60m
Market CapUK£428.90m

Price to Sales Ratio vs Peers

How does FDCH.F's PS Ratio compare to its peers?

The above table shows the PS ratio for FDCH.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average0.6x
TREE LendingTree
0.8x10.8%US$587.8m
GDOT Green Dot
0.3x13.5%US$550.2m
WRLD World Acceptance
1.1x1.0%US$641.0m
LX LexinFintech Holdings
0.3x2.4%US$557.4m
FDCH.F Funding Circle Holdings
2.3x9.0%US$428.9m

Price-To-Sales vs Peers: FDCH.F is expensive based on its Price-To-Sales Ratio (2.3x) compared to the peer average (0.6x).

Price to Sales Ratio vs Industry

How does FDCH.F's PS Ratio compare vs other companies in the US Consumer Finance Industry?

8 CompaniesPrice / SalesEstimated GrowthMarket Cap
LX LexinFintech Holdings
0.3x2.4%US$557.36m
OPRT Oportun Financial
0.1x12.8%US$113.67m
ELVT Elevate Credit
0.1x1.0%US$58.83m
KPLT Katapult Holdings
0.1x6.1%US$29.02m
FDCH.F 2.3xIndustry Avg. 1.6xNo. of Companies8PS01.22.43.64.86+
8 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: FDCH.F is expensive based on its Price-To-Sales Ratio (2.3x) compared to the US Consumer Finance industry average (1.6x).

Price to Sales Ratio vs Fair Ratio

What is FDCH.F's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

FDCH.F PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio2.3x
Fair PS Ration/a

Price-To-Sales vs Fair Ratio: Insufficient data to calculate FDCH.F's Price-To-Sales Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst FDCH.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$1.57
US$2.18
+39.1%
7.6%US$2.41US$2.01n/a3
Nov ’25US$1.87
US$2.18
+16.8%
7.6%US$2.41US$2.01n/a3
Oct ’25n/a
US$2.18
0%
7.6%US$2.41US$2.01n/a3
Sep ’25n/a
US$1.62
0%
29.8%US$2.20US$0.91n/a4
Aug ’25n/a
US$1.73
0%
37.7%US$2.69US$0.90n/a4
Jul ’25n/a
US$1.73
0%
37.7%US$2.69US$0.90n/a4
Jun ’25n/a
US$1.67
0%
57.9%US$3.18US$0.76n/a4
May ’25n/a
US$1.58
0%
68.9%US$3.11US$0.75n/a3
Apr ’25n/a
US$1.59
0%
60.5%US$3.19US$0.77n/a4
Mar ’25n/a
US$1.59
0%
51.8%US$3.13US$0.88n/a5
Feb ’25n/a
US$1.52
0%
52.5%US$3.18US$0.89n/a6
Jan ’25US$0.47
US$1.46
+208.6%
52.5%US$3.07US$0.86n/a6
Dec ’24n/a
US$1.46
0%
52.5%US$3.07US$0.86n/a6
Nov ’24n/a
US$1.46
0%
52.5%US$3.07US$0.86US$1.876
Oct ’24n/a
US$1.46
0%
52.5%US$3.07US$0.86n/a6
Sep ’24n/a
US$1.46
0%
51.8%US$3.17US$0.79n/a7
Aug ’24n/a
US$1.46
0%
51.8%US$3.17US$0.79n/a7
Jul ’24n/a
US$1.46
0%
51.8%US$3.17US$0.79n/a7
Jun ’24n/a
US$1.42
0%
51.8%US$3.09US$0.77n/a7
May ’24n/a
US$1.42
0%
51.8%US$3.09US$0.77n/a7
Apr ’24n/a
US$1.40
0%
55.8%US$3.07US$0.81n/a6
Mar ’24n/a
US$1.67
0%
64.8%US$4.00US$0.80n/a6
Feb ’24n/a
US$1.71
0%
64.8%US$4.09US$0.82n/a6
Jan ’24n/a
US$1.68
0%
71.7%US$4.30US$0.76US$0.476
Dec ’23US$0.67
US$1.68
+151.4%
71.7%US$4.30US$0.76n/a6
Nov ’23n/a
US$1.68
0%
71.7%US$4.30US$0.76n/a6

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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