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Funding Circle Holdings PLC (LSE:FCH)

119.2 GBX

+0.200 0.168%

Last Updated at: 2025-05-12T15:35:00Z

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Previous Close (in GBX)	119
Change	+0.200 0.168%
52 W H/L (in GBX)	70.000/32.300
EBITDA (in GBX)	-27.3M
PE Ratio	--
Volume	810656
Diluted Eps TTM	-0.09

Total Assets (in GBX)	384M
Total Liabilities (in GBX)	100M
Revenue TTM (in GBX)	153.8M
Cash (in GBX)	157.5M
Market Cap (in GBX)	150.302 M
Revenue Per Share TTM	0.447
Gross Profit TTM (in GBX)	67.6M

Summary

---

Income Statement

Balance Sheet

Change in Cash

Operating Cash

Dividend Paid

Funding Circle Holdings PLC

Funding Circle Holdings plc, together with its subsidiaries, provides online lending platforms in the United Kingdom, the United States, and internationally. The company offers small business loans, recovery loan schemes, and business finance solutions to small and medium enterprises. It also provides flexipay and flexipay card solutions. The company acts as a special purpose bankruptcy remote entity that issues loan payment dependent debt securities to accredited investors. The company was incorporated in 2010 and is based in London, the United Kingdom.

71 Queen Victoria Street, London, United Kingdom, EC4V 4AY

44 207 4019111

https://www.fundingcircle.com

Employees: 1059

Key Executives

Sr. No.	Name	Title	Year Born
1.	Mr. Samir Desai CBE	Co-Founder & Non-Exec. Director	1984
2.	Mr. Oliver J. White	CFO & Exec. Director	1968
3.	Ms. Lisa Jacobs	CEO & Exec. Director	NA
4.	Mr. Grieg McEwan	Chief Technology Officer	NA
5.	Mr. David de Koning	Director of Investor Relations & Corp. Affairs	NA
6.	Ms. Lucy K. Vernall	Gen. Counsel, Chief People Officer & Company Sec.	NA
7.	Natasha Jones	Director of Communications	NA
8.	Ms. Panni Morshedi	Continental Europe Managing Director	NA
9.	Mr. Alexander Allen	U.K. Managing Director	NA
10.	Mr. Jerome Fernadez	FlexiPay Managing Director	NA

Peers

Sector: Financial Services

Industry: Credit Services

Company	Change (GBX)	Price (GBX)	Trailing PE(x)	Forward PE(x)	Price Sales TTM(x)	Price to Book Value(x)	Enterprise Value to Revenue(x)	Enterprise Value to EBITDA(x)
GACA General Accident PLC	-1.169 0.754%	155	2.140	0.000	137.889	0.000	0.000	0.000
VANQ Vanquis Banking Group PLC	0.000 0.000%	72.6	7.970	0.000	0.000	0.000	0.000	0.000
IPF International Personal Finance PLC	+0.400 0.270%	151	6.320	6.128	0.373	0.584	1.554	0.000
SUS S&U plc	+30.000 1.967%	1500.1429	8.040	8.547	3.184	1.113	3.703	9.839

• Income Statement
• Balance Sheet
• Cash Flow

Income Statement

(Currency in GBX)

Breakdown	31-12-2022	31-12-2021	31-12-2020	31-12-2019	31-12-2018
Income Before Tax	-12.9M	64.1M	-108.1M	-84.2M	-50.7M
Minority Interest	-	-	-	-	-
Net Income	-6.9M	61.2M	-108.3M	-84.7M	-49.3M
Selling General Administrative	38.4M	46.9M	46.8M	66.5M	57.8M
Gross Profit	148.7M	206.9M	222M	167.4M	71.3M
Reconciled Depreciation	15.2M	13.9M	17.2M	14.9M	8.2M
Ebit	-10.2M	64.2M	-87.6M	-84.7M	-50.7M
Ebitda	5M	83M	-82.8M	-33.8M	-42.5M
Depreciation And Amortization	15.2M	18.8M	4.8M	50.9M	8.2M
Operating Income	-10.2M	64.2M	-87.6M	-84.7M	-46.1M
Other Operating Expenses	169.6M	151.1M	332.3M	217.8M	188M
Interest Expense	0.9M	1.1M	1.4M	1.2M	0M
Tax Provision	-6M	2.9M	0.2M	0.5M	-1.4M
Interest Income	2.3M	0.1M	0.4M	1.8M	0.9M
Net Interest Income	1.4M	-1M	-1M	0.6M	0.9M
Income Tax Expense	-6M	2.9M	0.2M	0.5M	-1.4M
Total Revenue	153.4M	219.2M	244.7M	167.4M	141.9M
Total Operating Expenses	164.9M	138.8M	309.6M	217.8M	117.4M
Cost Of Revenue	4.7M	12.3M	22.7M	90.3M	70.6M
Total Other Income Expense Net	-2.7M	-0.1M	-20.5M	0.5M	-4.6M
Net Income From Continuing Ops	-6.9M	61.2M	-108.3M	-84.7M	-49.3M
Net Income Applicable To Common Shares	-6.9M	61.2M	-108.3M	-84.7M	-49.5M

Balance Sheet

(Currency in GBX)

Breakdown	31-12-2022	31-12-2021	31-12-2020	31-12-2019	31-12-2018
Total Assets	384M	565.9M	782.2M	995.5M	430.1M
Intangible Assets	28.2M	24.9M	24.4M	23.6M	21.5M
Other Current Assets	121.8M	202.5M	592.9M	49M	23.4M
Total Liab	100M	277.9M	564.6M	676.5M	27.7M
Total Stockholder Equity	284M	288M	217.6M	319M	402.4M
Other Current Liab	30.3M	36.1M	8.7M	3.1M	18.6M
Common Stock	0.4M	0.4M	0.3M	0.3M	0.3M
Capital Stock	0.4M	0.4M	0.3M	0.3M	0.3M
Retained Earnings	-48.6M	-35.6M	-98.6M	6.5M	88.6M
Good Will	-	-	0M	11.3M	42.3M
Other Assets	38.3M	28.7M	24.2M	23.4M	20.8M
Cash	157.5M	199.4M	103.3M	149.1M	332.6M
Cash And Equivalents	-	-	-	-	-
Total Current Liabilities	63.7M	187M	539.9M	645.8M	26.9M
Current Deferred Revenue	-	-	32M	-	-
Net Debt	-91.4M	38M	417.3M	503.7M	-332.6M
Short Term Debt	30.9M	147.2M	497.1M	623M	4.7M
Short Long Term Debt	23.7M	140.3M	489.8M	614.5M	-
Short Long Term Debt Total	66.1M	237.4M	520.6M	652.8M	20.1M
Other Stockholder Equity	332.2M	323.2M	315.9M	312.2M	319.7M
Property Plant Equipment	10M	14.1M	28.7M	39M	25.2M
Total Current Assets	279.3M	401.9M	696.2M	906.7M	360.7M
Long Term Investments	-	-	-	14.9M	0.3M
Short Term Investments	-	-	-	708.6M	4.7M
Net Receivables	0.4M	18M	60.8M	25.5M	11.3M
Long Term Debt	22.6M	73.2M	24.3M	-	-
Inventory	-	-	-	-	-
Accounts Payable	2.5M	3.7M	2.1M	19.7M	2.8M
Accumulated Other Comprehensive Income	-	-	-30.6M	-24M	-6.2M
Non Currrent Assets Other	59.6M	125M	32.9M	708.6M	4.7M
Non Current Assets Total	104.7M	164M	86M	88.8M	69.4M
Capital Lease Obligations	19.8M	23.9M	30.8M	38.3M	-
Long Term Debt Total	-	-	-	-	-

Cash Flow

(Currency in GBX)

Breakdown	31-12-2022	31-12-2021	31-12-2020	31-12-2019	31-12-2018
Investments	162M	-14.9M	5.9M	-13.9M	-13.9M
Total Cashflows From Investing Activities	162M	310.9M	22.2M	-751.8M	-13.5M
Total Cash From Financing Activities	-201.7M	-291.2M	-116.2M	612.4M	285.6M
Net Income	-12.9M	64.1M	-108.1M	-84.2M	-49.3M
Change In Cash	-46.3M	120.7M	-61.2M	-168.5M	244.1M
Begin Period Cash Flow	224M	103.3M	164.5M	333M	88.9M
End Period Cash Flow	177.7M	224M	103.3M	164.5M	333M
Total Cash From Operating Activities	-10.4M	100.1M	33.1M	-27M	-28.5M
Depreciation	15.2M	13.9M	17.2M	14.9M	8.2M
Other Cashflows From Investing Activities	2.6M	0.1M	-20.1M	1.9M	0.9M
Dividends Paid	-	-	-	-	0.5M
Change To Inventory	-	-	-	-	-
Sale Purchase Of Stock	-8.7M	-	0.2M	0.7M	301.1M
Other Cashflows From Financing Activities	-6.1M	200.3M	408.8M	834.5M	-15M
Capital Expenditures	13.9M	9.4M	10.3M	17.2M	13.3M
Change In Working Capital	5.1M	47.8M	-22.3M	-8.8M	-0.5M
Other Non Cash Items	-22.5M	-3.6M	5.6M	-0.8M	5M
Free Cash Flow	-24.3M	90.7M	22.8M	-44.2M	-41.8M

No data found

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