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Funding Circle Holdings (FCH) Fair Value & Analysis

Financial Services · GB · Market cap 404M GBX

Pricep1.44
Fair Valuep2.74
Upside+90.5%
Quality95/100
Evidence: High Range p2.06 – p6.75

Fair value as of: Jun 25, 2026

Analysis

Funding Circle Holdings (FCH) currently trades at p1.44, while our model-based Fair Value estimate is p2.74 — implying the stock looks roughly 90.5% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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, government backed loans, business credit cards, 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. Funding Circle Holdings plc was incorporated in 2010 and is based in London, the United Kingdom.

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Frequently asked questions

Is Funding Circle Holdings (FCH) undervalued?
As of Jun 25, 2026, our model estimates a fair value of p2.74 versus a price of p1.44 — about +91% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FCH?
Our 21-model fair value for Funding Circle Holdings is p2.74 (as of Jun 25, 2026), built from audited fundamentals. The current price is p1.44.
What is the quality score of FCH?
Funding Circle Holdings has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.