FCH.L | Ticker Profile - Titan Protect

FCH.L

Funding Circle Holdings plc

Financial Services · Credit Services · LSE

$138.20

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$407M

Total market value of the company

Trailing P/E

10.23

Reasonably valued

Forward P/E

10.52

Based on estimated future earnings — lower means cheaper

Rev Growth

+38.3%

Year-over-year revenue change

Profit Margin

22.5%

How much profit the company keeps from each dollar of revenue

ROE

20.7%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$193.00

+40% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 5 analysts covering this stock

About Funding Circle Holdings plc

Funding Circle Holdings plc, together with its subsidiaries, provides online lending platforms in the United Kingdom and internationally. The company offers small business loans, recovery loan schemes, government backed loans, business credit cards, and business finance solutions to small enterprises. It also provides flexipay and flexipay card solutions. In addition, the company offers asset, vehicle, agricultural, and equipment finance services. Funding Circle Holdings plc was incorporated in 2010 and is based in London, the United Kingdom.

https://www.fundingcircle.com

Country: United Kingdom Employees: 778 Industry: Credit Services

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

DISTRIBUTION

Smart money appears to be selling into strength — caution

Sharpe Ratio

0.736

Good returns relative to risk taken

Kelly Fraction

0.0213

Modest edge detected — smaller position warranted

Calmar Ratio

0.746

Acceptable balance between returns and drawdown risk

Annual Return

28.1%

Historical annualised return based on price data

Max Drawdown

-37.7%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.74

Less volatile than the market — more defensive

52W High

$176.80

22% below the year high

52W Low

$104.00

33% above the year low

Avg Volume

1,511,054

Average daily shares traded — higher means easier to buy and sell

Short Ratio

N/A

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

N/A

Annual dividend as a percentage of the share price

EPS (TTM)

$0.14

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

119.79

Heavy leverage — higher financial risk if revenues decline

Current Ratio

1.55

Healthy liquidity position

Quick Ratio

1.53

Like current ratio but excludes inventory — stricter test

Gross Margin

66.5%

Revenue left after cost of goods — higher means pricing power

Operating Margin

12.6%

Profit from core operations before interest and tax

Free Cash Flow

$-53,450,000

Negative — the business is spending more than it generates

Revenue (TTM)

$204M

Total revenue over the last 12 months

Net Income

$46M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$300.00

Target Median

$193.00

Target Low

$190.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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