Funding Circle Holdings (FCH) Fair Value & Analysis
Financial Services · GB · Market cap 404M GBX
Fair value as of: Jun 25, 2026
From 17 valuation models · updated 4 days ago
Share price +0.8% over the past month.
Price vs Fair Value (12 months)
12‑month range £1.14 – £1.75 · fair‑value band £2.06 – £6.75 · the £1.44 price screens below the £2.74 fair value. As of Jun 25, 2026.
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Funding Circle Holdings (FCH) currently trades at £1.44, while our model-based Fair Value estimate is £2.74 — 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.
Over the trailing twelve months, Funding Circle Holdings generated revenue of £204M at a net margin of 22.5%. Revenue grew 38.3% year over year. It earns a return on equity of 20.7%. Net debt stands at £121M. Fundamentals as of Jun 25, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 25, 2026. TTM = trailing twelve months.
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.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Funding Circle Holdings reported revenue of £223M in FY2025 versus £219M in FY2021, a compound +0.4%/yr. Reported net income was £46.0M in FY2025, compounding −6.9%/yr from FY2021.
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6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jun 25, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | 5,663 MXN | 3,002 MXN | -47% |
| Mastercard Incorporated MA | C$29.95 | C$17.84 | -40% |
| M4I M4I | €430.50 | €367.81 | -15% |
| American Express Company AXP | C$28.87 | C$17.03 | -41% |
| Capital One Financial Corporation COF | $204.90 | $122.33 | -40% |
| Bajaj Finance Limited BAJFINANCE | ₹884.10 | ₹604.72 | -32% |
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Frequently asked questions
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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.