profit from every £100 of sales.
£0£100
Funding Circle Holdings
£2.50+0.00% today
+89.1% in 1 year
1-year low £1.151-year high £2.50
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay £15.16 for every £1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Funding Circle Holdings sold, what it kept, and what it did with the cash.
Sales went from £156 million in 2022 to £223 million in 2025, with £46.0 million of profit last year.
SalesProfit
Funding Circle Holdings vs. similar companies
Funding Circle Holdings grows in the middle of these 5 and is the cheapest for its profits.
| Company | Profit from £100 of sales | Sales growth a year | Price per £1 of profit |
|---|---|---|---|
| Funding Circle Holdings | 15.2× · Fair price | ||
 Visa | 33.8× · Expensive | ||
 Mastercard | 38.5× · Expensive | ||
 American Express | 19.8× · Fair price | ||
 Capital One Financial | 47.8× · Expensive |
AI analysis
An AI analyst reads Funding Circle Holdings's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of GBP | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 156 | 130 | 162 | 223 | |
| 65 | 62 | 109 | 162 | |
| -13 | -10 | 4 | 20 | |
| 4 | 7 | 17 | 31 | |
| -7 | -38 | 9 | 46 | |
| -0.02 | -0.11 | 0.03 | – | |
| 41.8% | 47.4% | 67.3% | 73.0% | |
| -8.3% | -7.6% | 2.4% | 9.2% | |
| -4.4% | -29.5% | 5.3% | 20.7% |
Balance sheet
| In millions of GBP | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 384 | 373 | 358 | 536 |
| Cash | 178 | 221 | 188 | 152 |
| Total debt | 66 | 70 | 110 | 274 |
| Total liabilities | 100 | 126 | 142 | 308 |
| 284 | 247 | 217 | 228 | |
| 380 | 344 | 345 | – | |
| -2.8% | -2.3% | 0.9% | 3.0% | |
| -2.4% | -15.5% | 4.0% | 20.1% |
Cash flow
| In millions of GBP | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -8 | -26 | -67 | -34 | |
| 14 | 12 | 12 | 10 | |
| -22 | -38 | -79 | -43 | |
| Dividends paid | – | – | – | – |
| 9 | 2 | 34 | 39 | |
| 5 | 6 | 8 | 5 |
Valuation
- 15.2×
- –
- –
- 1.7×
- 3.1×
- –
- 26.1×
- -6.2%
- 6.6%
- –
Profitability
- 73.0%
- 9.2%
- 20.7%
- –
- 3.0%
- -0.3%
- –
- –
- –
- –
Growth
- +12.6%
- –
- –
- –
- −3.3%
Financial health
- 3.9×
- 1.20
- –
- –
- 1.55
- –
- –
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 43%of 852
Bottom 24%of 733
Bottom 44%of 863
Top 34%of 860
Bottom 11%of 920
News
Jensen Huang’s departure blasts big hole in AI startup funding, VCs and founders sayYahoo Finance · Nov 13, 2026Nvidia-backed Groq seeks $8 billion valuation in new funding round - BloombergYahoo Finance · Nov 7, 2026AI Bond Funding Might Change The Case For Investing In Microsoft (MSFT)Yahoo Finance · Nov 2, 2026OpenAI slashes funding goal by $10B amid tech selloff: FTSeeking Alpha · Oct 31, 2026OpenAI Cuts Funding Target Amid Meta, Microsoft Offerings, Anthropic IPOYahoo Finance · Oct 31, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
33No pass
Benjamin Graham
50No pass
Philip Fisher
54No pass
Peter Lynch
67Pass
Joel Greenblatt
9No pass
Charlie Munger
39No pass
Terry Smith
33No pass
Questions about Funding Circle Holdings
Is Funding Circle Holdings a good stock to buy?
A business with weak numbers at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Funding Circle Holdings AI analysis
What does Funding Circle Holdings do?
Funding Circle Holdings plc, together with its subsidiaries, provides online lending platforms in the United Kingdom and internationally. It is in Credit Services, based in London, United Kingdom, with 778 employees.
Is Funding Circle Holdings stock halal?
No. Funding Circle Holdings does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Funding Circle Holdings stock done over the past year?
Up 89.1% over the past twelve months, to £2.50. It traded between £1.15 and £2.50, close to its high.
Who are Funding Circle Holdings's competitors?
The largest listed companies in the same industry are Visa, Mastercard, American Express and Capital One Financial. The peers table on this page compares their profit, growth and price with Funding Circle Holdings's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.