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About the company
Funding Circle Holdings plc provides a loan platform for small and mid-size enterprises (SMEs). 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. Its 4D work system includes data accumulation, data engineering, data science, and decision engine platform. The Company’s products include FlexiPay, FlexiPay card, and embedded finance. 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. FlexiPay card is another way for customers to use their FlexiPay line of credit, helping them to pay for everyday business expenses and make purchases. Its embedded finance solution enables partners to offer its loans on their platforms.
- Revenue in GBP (TTM)170.90m
- Net income in GBP-38.30m
- Incorporated2010
- Employees893.00
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| West Bromwich Building Society | 245.50m | 21.60m | 53.36m | 626.00 | -- | 0.2486 | 1.90 | 0.4973 | -- | -- | 83.26 | 339.85 | -- | -- | -- | -- | 0.3745 | 0.231 | -- | -- | -- | -- | 20.13 | 16.90 | -- | -- | -- | -- | 45.90 | 5.11 | 7.38 | 27.10 | 1.90 | -- |
| ASA International Group PLC | 127.78m | 7.36m | 61.99m | 13.60k | 8.43 | 0.9953 | 5.41 | 0.4851 | 0.0736 | 0.0736 | 1.28 | 0.6228 | -- | -- | -- | -- | -- | 2.47 | -- | 5.00 | -- | -- | 5.48 | 7.50 | -- | 3.30 | 0.8228 | -- | -15.10 | 1.10 | -48.55 | -17.42 | 25.53 | -- |
| Trufin PLC | 18.13m | -5.51m | 70.38m | 191.00 | -- | 1.98 | -- | 3.88 | -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 | 36.84m | -7.05m | 94.85m | 274.00 | -- | 4.32 | 381.61 | 2.57 | -0.092 | -0.092 | 0.4803 | 0.2861 | 0.6529 | -- | 2.07 | 134,453.10 | -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 | -- |
| Vanquis Banking Group PLC | 600.20m | -6.00m | 123.50m | 1.91k | -- | 0.2118 | 5.72 | 0.2058 | -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 |
| Litigation Capital Management Ltd | 44.06m | 21.38m | 137.26m | -- | 6.12 | 1.44 | 6.40 | 3.12 | 0.1918 | 0.1918 | 0.3905 | 0.8128 | 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 | -- |
| H & T Group PLC | 220.78m | 21.08m | 182.55m | 1.11k | 8.57 | 1.03 | 5.72 | 0.8269 | 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 | 9.36 | 0.2681 | 37.13 | 26.93 | 9.07 | 41.38 | 13.99 | 34.58 | 9.10 |
| Funding Circle Holdings PLC | 170.90m | -38.30m | 215.06m | 893.00 | -- | 0.8842 | -- | 1.26 | -0.1112 | -0.1112 | 0.4962 | 0.6831 | 0.4514 | -- | 9.26 | -- | -10.12 | -5.64 | -13.30 | -10.70 | -- | -- | -22.41 | -21.30 | -- | -- | 0.2197 | -- | 11.34 | 3.79 | -455.07 | -- | -1.71 | -- |
| S&U PLC | 115.44m | 25.44m | 229.65m | 224.00 | 9.03 | 0.9807 | 8.85 | 1.99 | 2.09 | 2.09 | 9.49 | 19.27 | 0.258 | -- | 75.87 | -- | 5.68 | 8.18 | 5.78 | 8.35 | 80.23 | 79.28 | 22.04 | 29.32 | -- | 3.23 | 0.4903 | 50.84 | 12.39 | 6.83 | -24.56 | -1.89 | -20.41 | 0.3367 |
| International Personal Finance Plc | 767.80m | 48.00m | 237.07m | 6.56k | 5.23 | 0.4709 | 3.07 | 0.3088 | 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 |
| Equals Group PLC | 95.71m | 7.75m | 239.23m | 341.00 | 31.27 | 4.12 | 14.93 | 2.50 | 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 | -- |
| LSL Property Services plc | 179.79m | -28.80m | 297.39m | 3.95k | -- | 3.53 | -- | 1.65 | -0.2821 | -1.03 | 1.75 | 0.8109 | 0.8134 | -- | 5.02 | 45,563.36 | -13.08 | 5.80 | -17.58 | 8.01 | -- | -- | -16.09 | 5.71 | -- | 10.80 | 0.091 | 46.95 | -33.46 | -6.94 | -142.55 | -- | -2.22 | 0.1764 |
Data as of Apr 26 2024. Currency figures normalised to Funding Circle Holdings PLC's reporting currency: UK Pound GBX
27.46%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Jupiter Asset Management Ltd.as of 26 Jul 2022 | 17.97m | 5.01% |
| T. Rowe Price International Ltd.as of 31 Dec 2023 | 16.30m | 4.54% |
| Capital Research & Management Co. (World Investors)as of 31 Mar 2024 | 14.71m | 4.10% |
| J.O. Hambro Capital Management Ltd.as of 31 Mar 2024 | 13.24m | 3.69% |
| Schroder Investment Management Ltd.as of 31 Dec 2023 | 12.90m | 3.60% |
| Ninety One UK Ltd.as of 31 Dec 2023 | 7.50m | 2.09% |
| Amiral Gestion SAas of 30 Dec 2022 | 7.03m | 1.96% |
| Norges Bank Investment Managementas of 31 Dec 2023 | 5.52m | 1.54% |
| BlackRock Investment Management (UK) Ltd.as of 31 Mar 2024 | 2.21m | 0.62% |
| Vanguard Global Advisers LLCas of 31 Jan 2024 | 1.15m | 0.32% |
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Data from 30 Dec 2022 - 31 Mar 2024Source: FactSet Research Systems Inc.
