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About the company
Funding Circle Holdings plc is a United Kingdom-based company, provides small and mid-size enterprises (SME) lending platform. The Company operates through four segments: United Kingdom Loans, United States Loans, Other Loans, and United Kingdom Flexipay. The Other Loans segment includes the Company's businesses in Germany and the Netherlands. It reinvents small business lending through machine learning, technology, and data. The Company’s 4D work system includes data accumulation, data engineering, data science, and decision engine platform. The Company’s products include FlexiPay, FlexiPay card, and Lending as a Service (LaaS). FlexiPay is a line of credit that allows businesses to make purchases and then spread the cost over three months, paying it back in three equal monthly installments. Its LaaS is engaged in offering financial institutions to give their customers a fully integrated, digital end-to-end borrowing experience.
- Revenue in GBP (TTM)170.90m
- Net income in GBP-38.30m
- Incorporated2010
- Employees959.00
- LocationFunding Circle Holdings PLC71 Queen Victoria StreetLONDON EC4V 4AYUnited KingdomGBR
- Phone+44 203 667 2265
- Websitehttps://corporate.fundingcircle.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASA International Group PLC | 126.08m | 7.26m | 77.72m | 13.43k | 10.71 | 1.26 | 6.87 | 0.6164 | 0.0726 | 0.0726 | 1.26 | 0.6145 | -- | -- | -- | 9,385.87 | -- | 2.47 | -- | 5.02 | -- | -- | 5.48 | 7.50 | -- | 3.30 | 0.8228 | 0.00 | -15.10 | 1.10 | -48.55 | -17.42 | 25.53 | -- |
| Trufin PLC | 18.13m | -5.51m | 85.75m | 191.00 | -- | 2.41 | -- | 4.73 | -0.059 | -0.0682 | 0.1817 | 0.3359 | 0.3122 | -- | 8.00 | 94,926.70 | -10.98 | -12.69 | -14.56 | -16.62 | 72.27 | 65.70 | -35.17 | -69.94 | -- | -1,806.50 | 0.1596 | -- | 30.82 | 32.95 | 18.34 | -- | 11.91 | -- |
| Bango plc | 36.35m | -6.96m | 103.16m | 274.00 | -- | 4.76 | 420.67 | 2.84 | -0.0907 | -0.0907 | 0.4739 | 0.2823 | 0.6529 | -- | 2.07 | 132,661.30 | -12.50 | -5.48 | -23.84 | -7.75 | 85.95 | 90.92 | -19.15 | -10.20 | -- | -1.01 | 0.2761 | -- | 61.80 | 39.19 | -312.43 | -- | 37.33 | -- |
| Litigation Capital Management Ltd | 44.12m | 21.41m | 127.43m | -- | 5.69 | 1.34 | 5.93 | 2.89 | 0.1921 | 0.1921 | 0.3911 | 0.8139 | 0.2028 | -- | 3.18 | -- | 9.84 | 7.56 | 10.17 | 7.95 | 24.70 | -- | 48.52 | 34.91 | -- | 5.84 | 0.2439 | 1.03 | 8.34 | 19.65 | -9.03 | 29.64 | -4.90 | -- |
| Vanquis Banking Group PLC | 600.20m | -6.00m | 132.86m | 1.91k | -- | 0.2279 | 6.15 | 0.2214 | -0.0242 | -0.0242 | 2.37 | 2.27 | 0.2044 | -- | 11.27 | 314,570.20 | -0.2044 | 1.73 | -0.2103 | 1.82 | 99.72 | -- | -0.9997 | 7.63 | -- | 2.58 | 0.8131 | 42.55 | 12.42 | -11.27 | -107.29 | -- | 11.57 | -9.71 |
| H & T Group PLC | 220.78m | 21.08m | 165.39m | 1.11k | 7.77 | 0.9325 | 5.18 | 0.7492 | 0.4842 | 0.4842 | 5.08 | 4.03 | 0.9527 | 4.39 | 1.85 | 199,075.80 | 9.10 | 7.55 | 9.65 | 8.16 | 24.33 | 24.73 | 9.55 | 8.84 | 11.48 | 15.94 | 0.2681 | 37.13 | 26.93 | 9.07 | 41.38 | 13.99 | 34.58 | 9.10 |
| Equals Group PLC | 95.71m | 7.75m | 204.51m | 341.00 | 26.73 | 3.52 | 12.76 | 2.14 | 0.0408 | 0.0408 | 0.4948 | 0.3094 | 1.23 | 130.68 | 8.08 | 280,677.40 | 9.97 | -0.9635 | 14.51 | -1.28 | 54.67 | 55.26 | 8.09 | -1.22 | 1.35 | 19.92 | 0.0568 | -- | 37.35 | 29.68 | 139.30 | 24.23 | 1.99 | -- |
| S&U PLC | 115.44m | 25.44m | 229.65m | 239.00 | 9.03 | 0.9807 | 8.85 | 1.99 | 2.09 | 2.09 | 9.50 | 19.27 | 0.258 | -- | 75.87 | 483,000.00 | 5.68 | 8.18 | 5.78 | 8.35 | 80.23 | 79.28 | 22.04 | 29.32 | -- | 3.23 | 0.4903 | 49.88 | 12.39 | 6.83 | -24.56 | -1.89 | -20.41 | 0.3367 |
| International Personal Finance Plc | 767.80m | 48.00m | 282.27m | 6.56k | 6.17 | 0.5557 | 3.65 | 0.3676 | 0.2017 | 0.2017 | 3.23 | 2.24 | 0.6507 | -- | 1.14 | 117,132.00 | 4.07 | 2.67 | 4.98 | 3.24 | 90.26 | 91.10 | 6.25 | 4.39 | -- | 40.95 | 0.5162 | 46.34 | 18.95 | -2.39 | -15.49 | -8.64 | -2.76 | -3.64 |
| Funding Circle Holdings PLC | 170.90m | -38.30m | 289.55m | 959.00 | -- | 1.21 | -- | 1.69 | -0.1112 | -0.1112 | 0.4962 | 0.6831 | 0.4514 | -- | 9.26 | 178,206.50 | -10.12 | -5.64 | -13.30 | -10.70 | -- | -- | -22.41 | -21.30 | -- | -- | 0.2197 | -- | 11.34 | 3.79 | -455.07 | -- | -1.71 | -- |
| Cab Payments Holdings PLC | 63.39m | 22.87m | 315.65m | 310.00 | 13.80 | 2.40 | 10.60 | 4.98 | 0.09 | 0.0894 | 0.2494 | 0.5175 | -- | -- | -- | 204,480.60 | -- | -- | -- | -- | 51.43 | -- | 37.69 | -- | -- | -- | 0.9215 | -- | 205.42 | -- | -26.40 | -- | -- | -- |
| LSL Property Services plc | 144.42m | 8.09m | 329.27m | 3.95k | 40.34 | 4.32 | 24.12 | 2.28 | 0.0786 | -0.3692 | 1.40 | 0.7333 | 0.7464 | -- | 5.75 | -- | 4.15 | 5.33 | 7.21 | 7.65 | -- | -- | 5.56 | 5.72 | -- | -- | 0.293 | 54.35 | -33.59 | -14.96 | 130.31 | -14.67 | -13.44 | 0.901 |
Data as of Jun 14 2024. Currency figures normalised to Funding Circle Holdings PLC's reporting currency: UK Pound GBX
24.87%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| T. Rowe Price International Ltd.as of 31 Dec 2023 | 16.30m | 4.62% |
| Capital Research & Management Co. (World Investors)as of 31 Mar 2024 | 14.71m | 4.17% |
| Schroder Investment Management Ltd.as of 29 Feb 2024 | 12.90m | 3.66% |
| BlackRock Investment Management (UK) Ltd.as of 13 Jun 2024 | 12.43m | 3.53% |
| J.O. Hambro Capital Management Ltd.as of 31 May 2024 | 9.50m | 2.69% |
| Ninety One UK Ltd.as of 29 Feb 2024 | 7.50m | 2.13% |
| Amiral Gestion SAas of 30 Jun 2023 | 7.03m | 1.99% |
| Norges Bank Investment Managementas of 31 Dec 2023 | 5.52m | 1.57% |
| Vanguard Global Advisers LLCas of 30 Apr 2024 | 1.15m | 0.33% |
| Legal & General Investment Management Ltd.as of 30 Apr 2024 | 681.93k | 0.19% |
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Data from 30 Jun 2023 - 31 Mar 2024Source: FactSet Research Systems Inc.
