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Employees: 778
Size Funding Circle (FCH.L) is a United Kingdom Financials company (Finance/Rental/Leasing) with a market value of $744M, the 251st largest of 363 United Kingdom companies the cockpit tracks. Shares closed at £200.50 on 6 Nov 2026.
Performance Over six months the shares gained 48.7%, against -6.1% for the median peer and +3.6% for the United Kingdom market (cap-weighted) — 4th highest of 20 in its peer set.
Growth Revenue grew 53.0% over the last twelve months (peer median +8.2%); the operating margin is 14.4% (peer median 27.7%).
Valuation It trades at 2.30× book value against a peer median of 0.77× (4th most expensive of 21).
Price implies The share price implies a return on equity of about 26.2%; Funding Circle delivers 28.5%, so the price asks less than the business earns today.
Next results Next results expected around 11 Mar 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | £272M | £222M | £162M | £130M | £157M |
| Revenue growth | — | +38% | +24% | -17% | — |
| Gross profit | £248M | £199M | £142M | £114M | £136M |
| EBITDA | £74.5M | £49.7M | £22.9M | £7.20M | £2.60M |
| Net income | £62.8M | £46.0M | £500,000 | -£38.3M | -£6.90M |
| Free cash flow | -£51.9M | -£34.4M | -£70.3M | -£26.2M | -£9.00M |
| Capital expenditure | £10.3M | £9.50M | £11.9M | £12.2M | £13.9M |
| Total debt | n/a | £274M | £110M | £69.5M | £66.1M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | FCH.L | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +7.8% | -4.3% | 4th highest of 21 |
| 6-month return | +48.7% | -6.1% | 4th highest of 20 |
| Return on equity | 28.5% | 9.9% | highest of 21 |
| Price / book | 2.30× | 0.77× | 4th most expensive of 21 |
| Trailing P/E | 10.1× | 10.4× | 7th cheapest of 16 |
| ROE the price implies | 26.2% | 7.8% | 3rd most demanding of 21 |
| ROE delivered | 28.5% | 8.1% | highest of 18 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Funding Circle FCH.L | United Kingdom | $744M | +49% | +53% | 29% | 2.30× | 26.2% | 28.5% |
| RFA Financial RFA.TO | Canada | $741M | -6% | +32% | -14% | 0.74× | 5.5% | -13.8% |
| FinVolution Group Sponsored ADR FINV | United States | $740M | -43% | -2% | 12% | 0.29× | 4.1% | 11.7% |
| Paisalo Digital PAISALO.NS | India | $752M | +52% | +24% | 15% | 3.56× | 49.6% | 14.7% |
| Judo Capital JDO.AX | Australia | $728M | -32% | +12% | 6% | 0.59× | 8.7% | 6.4% |
| India Shelter Finance INDIASHLTR.NS | India | $727M | -26% | +25% | 17% | 2.12× | 21.3% | n/a |
| FleetPartners FPR.AX | Australia | $723M | +78% | +4% | 12% | 1.67× | 12.7% | 12.2% |
| Nishio 9699.T | Japan | $722M | -5% | -2% | 8% | 0.79× | 4.4% | 7.8% |
| Lufax 6623.HK | Hong Kong | $773M | -59% | +5% | -3% | 0.07× | 3.8% | n/a |
| Tourism Finance Corporation of India TFCILTD.NS | India | $787M | +92% | +28% | 12% | 5.34× | 65.6% | 12.4% |
| Navient NAVI | United States | $790M | -1% | -17% | -2% | 0.33× | 5.6% | -2.0% |
| Green Dot GDOT | United States | $697M | -3% | +18% | -3% | 0.74× | 7.8% | -2.8% |
| Velocity Financial VEL | United States | $696M | -3% | +32% | 16% | 0.96× | 8.5% | 16.1% |
| Yixin 2858.HK | Hong Kong | $695M | -58% | +18% | 8% | 0.28× | 5.5% | 8.1% |
| Burford Capital BUR.L | United Kingdom | $798M | -19% | -415% | -98% | 0.93× | 12.6% | -98.3% |
| Allied 0373.HK | Hong Kong | $800M | -34% | -40% | 2% | 0.13× | 3.4% | 1.7% |
| Japan Investment Adviser 7172.T | Japan | $804M | -6% | +16% | 18% | 1.56× | 7.9% | 17.8% |
| World Acceptance WRLD | United States | $671M | 0% | +5% | 14% | 1.92× | 18.4% | 14.1% |
| Orient 8585.T | Japan | $831M | -24% | +4% | 4% | 0.54× | 4.4% | 4.2% |
| Qfin 3660.HK | Hong Kong | $664M | -60% | -8% | 15% | 0.18× | 4.1% | 15.1% |
| Onemi Technology Solutions KISSHT.NS | India | $652M | n/a | +63% | 24% | 2.97× | 21.9% | n/a |