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Funding Circle Holdings (FDCHF) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Funding Circle Holdings $2.81, price $2.95, upside -4.8%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Broad data
Sep 24, 2026
Broad data
Sep 24, 2026
Funding Circle Holdings
FDCHF · USNeutralThe stock looks roughly fairly valued with average quality.
·Fair value $2.81 · Fairly valued (−4.8%)
!Quality 52/100
!Weak Growth (revenue 5y −1.9 %/yr)
✓Highly profitable · 22.5% net margin (TTM)
!Low debt · negative free cash flow
!Moderate moat 62/100
!The models disagree: range $2.10 to $5.91
What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $0.4100 – $3.20 · fair‑value band $2.10 – $5.91 · the $2.95 price screens above the $2.81 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Company profile
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.
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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.
Stock analysis
Funding Circle Holdings (FDCHF) currently trades at $2.95, while our model-based Fair Value estimate is $2.81, so the stock looks roughly fairly valued today (gap 5.0%).
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Valuation
Bull case: the DCF Models group reads highest at a median of $7.76 per share, and 3 of the 7 models we run sit above the $2.95 price.
Bear case: the Asset-Based group reads lowest at $0.7100, and 4 of the 7 models stay below the price. Evidence for this calculation is high.
Scenario range: $2.10 (bear) to $5.91 (bull), the price of $2.95 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.
Weak Growth: Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Funding Circle Holdings reported revenue of £222M 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.
Key figures
Market cap $619M · P/E ratio 15.5 · P/S ratio 3.21 · EPS (TTM) $0.1900 · Net margin 20.7% · Return on equity 20.7% · Return on assets (EBIT) 4.6% · Operating margin 12.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 8% below its 52-week high and 93% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −5%, FDCHF screens richer than that median.
Fair Value models
Bear $2.10
Fair Value $2.81
Bull $5.91
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.1437 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Owner Earnings
$4.11
$7.76
$14.53
73
Residual Income
$1.21
$1.62
$2.68
68
Graham-Dodd
$1.46
$10.18
$14.28
63
All 7 models by family
DCF Models
Owner Earnings
$4.11
$7.76
$14.53
73
Earnings-Based
Graham-Dodd
$1.46
$10.18
$14.28
63
Lynch FV
$3.71
$5.30
$6.89
61
Multiples
P/E Multiple
$2.09
$2.79
$3.49
63
P/B Multiple
$1.12
$1.49
$1.86
55
Asset-Based
NCAV (Graham)
$0.5300
$0.7100
$1.07
54
Economic Profit
Residual Income
$1.21
$1.62
$2.68
68
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Set up alert →Quality Score breakdown
Overall quality
52/100
Of which business quality 48 · Market factors (momentum, volatility) 80
Profitability
61
Margins and returns on capital today
Quality Growth
86
Are margins and returns improving?
Cashflow
0
Earnings quality: real cash, not paper profit
Fin. Strength
74
Balance sheet, leverage, solvency risk
Investment
80
Disciplined investing over empire-building
Low Volatility
52
Calm price path (market factor)
Momentum
92
Price trend over the last 3–12 months (market factor)
52W Momentum
93
Distance to the 52-week high (market factor)
Net Issuance
0
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
30/100
Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Revenue growth 1 year
+37.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−1.9%
Start year 2020 (pandemic). Over 10 years: +21.4% a year
Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+44.1%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−8.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−8.3%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−43% → 9%
⚠ Revenue per share shrinking 17.4%/yr over ~10Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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Context: sector, industry, market
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.33 | $221.29 | −38% |
| Mastercard Incorporated MA | $551.47 | $359.54 | −35% |
| American Express Company AXP | $304.10 | $208.54 | −31% |
| Capital One Financial Corporation COF | $193.07 | $125.94 | −35% |
| Bajaj Finance Limited BAJFINANCE | ₹948.30 | ₹1,100 | +16% |
| PayPal Holdings PYPL | $53.06 | $104.12 | +96% |
| Shriram Finance Limited SHRIRAMFIN | ₹994.10 | ₹1,364 | +37% |
| Affirm Holdings AFRM | $67.21 | $73.93 | +10% |
| Synchrony Financial, SYF | $71.52 | $141.92 | +98% |
| SoFi Technologies, Inc SOFI | $15.72 | $5.53 | −65% |
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Frequently asked questions
Is Funding Circle Holdings (FDCHF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $2.81 versus a price of $2.95, about −5% upside (fairly valued).
What is the fair value of FDCHF?
Our model-based fair value for Funding Circle Holdings is $2.81 (as of Sep 24, 2026), built from audited fundamentals. The current price: $2.95.
What is the quality score of FDCHF?
Funding Circle Holdings has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Funding Circle Holdings (FDCHF)?
Our model-based price target is the fair value of $2.81 (as of Sep 24, 2026) from 7 valuation models. Cautious scenario $2.10, optimistic scenario $5.91. It is a calculation from audited fundamentals, not an analyst target.
What is the Funding Circle Holdings stock forecast for 2026?
Our models put fair value at $2.81, about −5% upside versus a price of $2.95 (fairly valued). Cautious scenario $2.10, optimistic scenario $5.91. The calculation is refreshed regularly with new filings.
What is the revenue of Funding Circle Holdings (FDCHF)?
Funding Circle Holdings reported trailing-twelve-month revenue of about £204M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Funding Circle Holdings (FDCHF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Funding Circle Holdings it is $2.81 per share (as of Sep 24, 2026), against a price of $2.95. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Funding Circle Holdings stock overvalued or undervalued in 2026?
As of Sep 24, 2026, FDCHF trades above its calculated fair value: price $2.95, fair value $2.81, a gap of about −5% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FDCHF?
No. The price is what the market pays today ($2.95); the fair value is what the company's own numbers justify ($2.81). For Funding Circle Holdings the two are $0.1400 per share apart. That gap is exactly why we show both numbers side by side.
How much is Funding Circle Holdings worth?
The market values Funding Circle Holdings at about $619M (market capitalisation, as of Sep 24, 2026). Per share that is $2.95; our models calculate a fair value of $2.81 per share.
What do the bullish and bearish scenarios say about FDCHF?
Our models span a range for Funding Circle Holdings: cautious scenario $2.10, base $2.81, optimistic $5.91 per share (as of Sep 24, 2026, price $2.95). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is FDCHF from its 52-week high?
Funding Circle Holdings trades at $2.95, about 8% below its 52-week high of $3.20 and 93% above the low of $1.53 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $2.81 is for.
Which stocks are comparable to Funding Circle Holdings?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Funding Circle Holdings stock attractive at the current price?
The data as of Sep 24, 2026: price $2.95, calculated fair value $2.81 (−5%), Quality Score 52/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FDCHF calculated?
We run Funding Circle Holdings through 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $2.81, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Funding Circle Holdings itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Funding Circle Holdings (FDCHF)?
The closing price on Oct 2, 2026 was $2.95. Our model-based fair value is $2.81, about −5% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Funding Circle Holdings right now?
The model range is unusually wide ($2.10 to $5.91). The outcome hinges heavily on assumptions, so read the point estimate with caution. The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Funding Circle Holdings
How large is the market capitalisation of Funding Circle Holdings (FDCHF)?
The market capitalisation of Funding Circle Holdings is $619M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of Funding Circle Holdings (FDCHF)?
The price-to-earnings ratio of Funding Circle Holdings is 15.5. Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Funding Circle Holdings (FDCHF)?
The price-to-sales ratio of Funding Circle Holdings is 3.21 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Funding Circle Holdings (FDCHF)?
Earnings per share at Funding Circle Holdings are $0.1900 (price ÷ EPS = P/E 15.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Funding Circle Holdings (FDCHF)?
The net margin of Funding Circle Holdings is 20.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Funding Circle Holdings (FDCHF)?
The return on equity (ROE) of Funding Circle Holdings is 20.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Funding Circle Holdings (FDCHF)?
On an EBIT basis the return on assets of Funding Circle Holdings is 4.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Funding Circle Holdings (FDCHF)?
The operating margin of Funding Circle Holdings is 12.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Funding Circle Holdings (FDCHF)?
Revenue at Funding Circle Holdings is growing +38.3% versus a year earlier (3y avg +12.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Funding Circle Holdings (FDCHF)?
Earnings per share at Funding Circle Holdings are growing +145% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Funding Circle Holdings (FDCHF) generate?
The free cash flow of Funding Circle Holdings is −£34.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Funding Circle Holdings (FDCHF) carry?
The net debt of Funding Circle Holdings is £121M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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