Funding Circle Holdings plc (LON:FCH)

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

229.00

+8.00 (3.62%)

Sep 3, 2026, 4:35 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	Dec '25 Dec 31, 2025	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	204.3	204.3	160.1	130.1	155.8	235.5
Revenue Growth	17.89%	27.61%	23.06%	-16.50%	-33.84%	127.10%
Gross Profit	135.9	135.9	92	64.6	69.9	157.8
Operating Income	20.4	20.4	4.3	-4.5	-11.1	68.1
Net Income	46	46	8.6	-38.3	-6.9	61.2
Earnings Per Share	0.14	0.14	0.03	-0.11	-0.02	0.16
EPS Growth	96.12%	457.41%	-	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	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	167.4	167.4	142.6	124.5	116.4	169.9
Flexipay	36.9	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	Dec '25 Dec 31, 2025	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	274.1	274.1	189.5	241.1	246.8	375.3
Total Debt	273.6	273.6	109.5	69.5	66.1	237.4
Net Cash (Debt)	0.5	0.5	80	171.6	180.7	137.9
Net Cash Growth	-97.27%	-99.38%	-53.38%	-5.04%	31.04%	63.58%
Net Cash Per Share	0.00	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	Dec '25 Dec 31, 2025	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	-33.8	-33.8	-67.4	-25.6	-8.1	98.5
Capital Expenditures	-0.6	-0.6	-2.9	-0.7	-1.2	-0.8
Free Cash Flow	-34.4	-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	Dec '25 Dec 31, 2025	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	66.52%	66.52%	57.46%	49.65%	44.87%	67.01%
Operating Margin	9.98%	9.98%	2.69%	-3.46%	-7.12%	28.92%
Pretax Margin	9.94%	9.94%	0.50%	-7.61%	-8.28%	27.22%
Profit Margin	22.52%	22.52%	5.37%	-29.44%	-4.43%	25.99%
FCF Margin	-16.84%	-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 3, 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	16.36	8.68	50.82	-	-	6.51
Forward PE	21.77	17.83	44.97	252.17	203.70	19.68
P/FCF Ratio	-	-	-	-	-	4.08
PS Ratio	3.24	1.95	2.73	1.09	1.25	1.69