Funding Circle Holdings plc (LON:FCH)

London · Delayed Price · Currency is GBP · Price in GBX

184.40

+4.40 (2.44%)

Sep 25, 2026, 12:06 PM GMT

Funding Circle Holdings Financials Overview

Financials in millions GBP. Fiscal year is January - December.

Millions GBP. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	250.2	204.3	160.1	130.1	155.8	235.5
Revenue Growth	22.47%	27.61%	23.06%	-16.50%	-33.84%	127.10%
Gross Profit	174.7	135.9	92	64.6	69.9	157.8
Operating Income	39.1	20.4	4.3	-4.5	-11.1	68.1
Net Income	62.8	46	8.6	-38.3	-6.9	61.2
Earnings Per Share	0.20	0.14	0.03	-0.11	-0.02	0.16
EPS Growth	44.48%	457.41%	-	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Term Loans	199.7	167.4	142.6	124.5	116.4	169.9
Flexipay	50.5	36.9	17.5	5.2	1.5	-

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	189	274.1	189.5	241.1	246.8	375.3
Total Debt	254.8	273.6	109.5	69.5	66.1	237.4
Net Cash (Debt)	-65.8	0.5	80	171.6	180.7	137.9
Net Cash Growth	-	-99.38%	-53.38%	-5.04%	31.04%	63.58%
Net Cash Per Share	-0.21	0.00	0.21	0.50	0.52	0.36

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-51.4	-33.8	-67.4	-25.6	-8.1	98.5
Capital Expenditures	-0.5	-0.6	-2.9	-0.7	-1.2	-0.8
Free Cash Flow	-51.9	-34.4	-70.3	-26.3	-9.3	97.7
Free Cash Flow Growth	-	-	-	-	-	202.48%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Gross Margin	69.82%	66.52%	57.46%	49.65%	44.87%	67.01%
Operating Margin	15.63%	9.98%	2.69%	-3.46%	-7.12%	28.92%
Pretax Margin	15.35%	9.94%	0.50%	-7.61%	-8.28%	27.22%
Profit Margin	25.10%	22.52%	5.37%	-29.44%	-4.43%	25.99%
FCF Margin	-20.74%	-16.84%	-43.91%	-20.21%	-5.97%	41.49%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 25, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	8.90	8.68	50.82	-	-	6.51
Forward PE	14.29	17.83	44.97	252.17	203.70	19.68
P/FCF Ratio	-	-	-	-	-	4.08
PS Ratio	2.08	1.95	2.73	1.09	1.25	1.69