Funding Circle Holdings plc (FRA:FCA)

Funding Circle Holdings Statistics

Total Valuation

FRA:FCA has a market cap or net worth of EUR 443.36 million. The enterprise value is 422.55 million.

Market Cap	443.36M
Enterprise Value	422.55M

Important Dates

The next estimated earnings date is Friday, December 5, 2025.

Earnings Date	Dec 5, 2025
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	315.85M
Shares Outstanding	n/a
Shares Change (YoY)	+9.91%
Shares Change (QoQ)	-18.32%
Owned by Insiders (%)	14.96%
Owned by Institutions (%)	43.92%
Float	148.03M

Valuation Ratios

The trailing PE ratio is 14.13 and the forward PE ratio is 31.56.

PE Ratio	14.13
Forward PE	31.56
PS Ratio	2.19
PB Ratio	1.91
P/TBV Ratio	2.14
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 25.80, with an EV/FCF ratio of -7.19.

EV / Earnings	13.46
EV / Sales	2.14
EV / EBITDA	25.80
EV / EBIT	29.96
EV / FCF	-7.19

Financial Position

The company has a current ratio of 1.78, with a Debt / Equity ratio of 0.89.

Current Ratio	1.78
Quick Ratio	1.78
Debt / Equity	0.89
Debt / EBITDA	12.35
Debt / FCF	-3.53
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 3.93% and return on invested capital (ROIC) is 2.26%.

Return on Equity (ROE)	3.93%
Return on Assets (ROA)	2.05%
Return on Invested Capital (ROIC)	2.26%
Return on Capital Employed (ROCE)	6.06%
Revenue Per Employee	278,090
Profits Per Employee	43,166
Employee Count	726
Asset Turnover	0.46
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:FCA has paid 583,299 in taxes.

Income Tax	583,299
Effective Tax Rate	5.62%

Stock Price Statistics

The stock price has decreased by -10.32% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-10.32%
50-Day Moving Average	1.39
200-Day Moving Average	1.38
Relative Strength Index (RSI)	53.29
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, FRA:FCA had revenue of EUR 202.17 million and earned 31.38 million in profits. Earnings per share was 0.08.

Revenue	202.17M
Gross Profit	129.38M
Operating Income	14.47M
Pretax Income	10.38M
Net Income	31.38M
EBITDA	14.47M
EBIT	14.47M
Earnings Per Share (EPS)	0.08

Balance Sheet

The company has 228.77 million in cash and 207.42 million in debt, giving a net cash position of 21.35 million.

Cash & Cash Equivalents	228.77M
Total Debt	207.42M
Net Cash	21.35M
Net Cash Per Share	n/a
Equity (Book Value)	231.80M
Book Value Per Share	0.75
Working Capital	183.27M

Cash Flow

In the last 12 months, operating cash flow was -57.63 million and capital expenditures -1.17 million, giving a free cash flow of -58.80 million.

Operating Cash Flow	-57.63M
Capital Expenditures	-1.17M
Free Cash Flow	-58.80M
FCF Per Share	n/a

Margins

Gross margin is 63.99%, with operating and profit margins of 7.16% and 15.52%.

Gross Margin	63.99%
Operating Margin	7.16%
Pretax Margin	5.14%
Profit Margin	15.52%
EBITDA Margin	7.16%
EBIT Margin	7.16%
FCF Margin	n/a

Dividends & Yields

FRA:FCA does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-9.91%
Shareholder Yield	-9.91%
Earnings Yield	7.08%
FCF Yield	-13.26%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

FRA:FCA has an Altman Z-Score of 2.7 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2.7
Piotroski F-Score	4