A Business at a Glance
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FUNDING CIRCLE HOLDINGS PLC ORD operates in the Financial - Credit Services industry, Financial Services sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 0 | - | - | - | - | - |
| Net Income | 11M | 11M | -48M | -8.5M | 84M | -140M |
| EPS | $0.00 | $0.00 | $-0.03 | $-0.02 | $0.22 | $-0.40 |
| Free Cash Flow | 83M | 83M | -33M | -11M | 134M | 42M |
| ROIC | 29.8% | 6.5% | -31.6% | -13.4% | 60.8% | -75.3% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 0.47 | 0.23 | - | - | - |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 12M | 12M | -49M | -18M | 88M | -137M |
| Operating Margin | 0.0% | - | - | - | - | - |
| ROE | 4.0% | 3.8% | -14.5% | -2.3% | 24.9% | -49.8% |
| Shares Outstanding | 8,600M | 8,600M | 1,596M | 345M | 352M | 347M |
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | N/A | N/A | N/A | N/A | N/A | 0 |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | -137M | 88M | -18M | -49M | 12M | 12M |
| Op. Margin | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Net Income | -140M | 84M | -8.5M | -48M | 11M | 11M |
| Net Margin | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||||
| ROIC | -75.3% | 60.8% | -13.4% | -31.6% | 6.5% | 29.8% |
| ROE | -49.8% | 24.9% | -2.3% | -14.5% | 3.8% | 4.0% |
| ROA | -13.8% | 9.4% | -1.4% | -10.2% | 2.4% | 2.4% |
| Cash Flow | ||||||
| Op. Cash Flow | 43M | 135M | -10.0M | -32M | 86M | 86M |
| Free Cash Flow | 42M | 134M | -11M | -33M | 83M | 83M |
| Owner Earnings | 43M | 135M | -10.0M | -32M | 86M | 86M |
| CapEx | 1.0M | 1.1M | 1.5M | 874K | 3.7M | 3.7M |
| Maint. CapEx | 0 | 0 | 0 | 0 | 0 | 0 |
| Growth CapEx | N/A | N/A | N/A | N/A | N/A | 3.7M |
| D&A | 0 | 0 | 0 | 0 | 0 | 0 |
| CapEx/OCF | 2.4% | 0.8% | N/A | N/A | 4.3% | 4.3% |
| Capital Allocation | ||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 11M | 2.2M | 0 | 0 |
| Buyback Yield | 0.0% | 0.0% | 4.7% | 0.3% | 0.0% | 0.0% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 385M | 455M | 71M | 26M | 7.7M | 7.7M |
| Balance Sheet | ||||||
| Net Debt | N/A | N/A | N/A | -205M | -110M | -240M |
| Cash & Equiv. | 133M | 308M | 219M | 276M | 240M | 240M |
| Long-Term Debt | N/A | N/A | N/A | 2.7M | 0 | N/A |
| Debt/Equity | N/A | N/A | N/A | 0.23 | 0.47 | 0.00 |
| Interest Coverage | -4.7 | 5.2 | -3.1 | -65.7 | N/A | N/A |
| Equity | 280M | 396M | 350M | 308M | 277M | 277M |
| Total Assets | 1.0B | 778M | 473M | 466M | 458M | 458M |
| Total Liabilities | 728M | 382M | 123M | 158M | 181M | 181M |
| Intangibles | N/A | N/A | N/A | 29M | 27M | 27M |
| Retained Earnings | -127M | -49M | -60M | -106M | 243M | 243M |
| Working Capital | 201M | 295M | 266M | 242M | 220M | 220M |
| Current Assets | 866M | 552M | 344M | 389M | 393M | 393M |
| Current Liabilities | 665M | 257M | 79M | 147M | 173M | 173M |
| Per Share Data | ||||||
| EPS | -0.40 | 0.22 | -0.02 | -0.03 | 0.00 | 0.00 |
| Owner EPS | 0.12 | 0.38 | -0.03 | -0.02 | 0.01 | 0.01 |
| Book Value | 0.81 | 1.13 | 1.01 | 0.19 | 0.03 | 0.03 |
| Cash Flow/Share | 0.12 | 0.38 | -0.03 | -0.02 | -0.01 | 0.00 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 347.1M | 351.7M | 345.0M | 1.6B | 8.6B | 8.6B |
| Valuation | ||||||
| P/E Ratio | -2.9 | 7.2 | -27.0 | -17.7 | N/A | N/A |
| P/FCF | 9.9 | 4.2 | N/A | N/A | 164.8 | 153.6 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 1.5 | 1.4 | 0.7 | 2.7 | 49.1 | 45.8 |
| Price/Sales | N/A | N/A | N/A | N/A | N/A | N/A |
| FCF Yield | 10.1% | 24.0% | -5.0% | -3.9% | 0.6% | 0.7% |
| Market Cap | 412M | 560M | 230M | 846M | 13.6B | 12.7B |
| Avg. Price | 1.03 | 1.91 | 0.76 | 0.62 | 1.12 | 1.47 |
| Year-End Price | 1.19 | 1.59 | 0.67 | 0.53 | 1.58 | 1.47 |
FUNDING CIRCLE HOLDINGS PLC ORD passes 2 of 9 quality checks, indicating weak fundamentals.
On a free-cash-flow basis, the stock trades at 153.5x vs a median of 7.0x. At current prices, the estimated annualized return to fair value is -42.2%.
FUNDING CIRCLE HOLDINGS PLC ORD (FCH-L) has a current P/E ratio of 1133.8, compared to its historical median P/E of 7.2. The stock is currently considered Expensive based on its historical valuation range.
FUNDING CIRCLE HOLDINGS PLC ORD (FCH-L) has a 5-year average return on invested capital (ROIC) of -10.6%. This is below average and may indicate limited pricing power.
FUNDING CIRCLE HOLDINGS PLC ORD (FCH-L) has a market capitalization of $12.7B. It is classified as a large-cap stock.
FUNDING CIRCLE HOLDINGS PLC ORD (FCH-L) does not currently pay a regular dividend.
Based on historical P/E analysis, FUNDING CIRCLE HOLDINGS PLC ORD (FCH-L) appears expensive. The current P/E of 1133.8 is 15556% above its historical median of 7.2. The estimated fair value CAGR (P/E method) is -68.1%.
FUNDING CIRCLE HOLDINGS PLC ORD (FCH-L) operates in the Financial - Credit Services industry, within the Financial Services sector.
FUNDING CIRCLE HOLDINGS PLC ORD (FCH-L) generated $83 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
FUNDING CIRCLE HOLDINGS PLC ORD (FCH-L) has a debt-to-equity ratio of 0.47. This indicates a conservatively financed balance sheet.
FUNDING CIRCLE HOLDINGS PLC ORD (FCH-L) reported earnings per share (EPS) of $0.00 in its most recent fiscal year.
FUNDING CIRCLE HOLDINGS PLC ORD (FCH-L) has a return on equity (ROE) of 3.8%. This indicates moderate shareholder returns.
The Ledger Terminal provides 5 years of financial data for FUNDING CIRCLE HOLDINGS PLC ORD (FCH-L), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
FUNDING CIRCLE HOLDINGS PLC ORD (FCH-L) has a book value per share of $0.03, based on its most recent annual SEC filing.