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About the company
Funding Circle Holdings plc is a provider of small and medium-sized enterprises (SME) lending platform. Its segments include United Kingdom Loans, Other Loans, and United Kingdom FlexiPay. The United Kingdom Loans and Other Loans segments are term loans businesses. The Other Loans segment includes its businesses in Germany and the Netherlands. The United Kingdom FlexiPay segment is a line of credit business. 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 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)172.60m
- Net income in GBP-22.50m
- Incorporated2010
- Employees959.00
- LocationFunding Circle Holdings PLC71 Queen Victoria StreetLONDON EC4V 4AYUnited KingdomGBR
- Phone+44 203 667 2265
- Websitehttps://corporate.fundingcircle.com/
Peer analysis
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| 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Vanquis Banking Group PLC | 631.30m | -31.40m | 154.15m | 1.91k | -- | 0.291 | -- | 0.2442 | -0.1233 | -0.1233 | 2.48 | 2.07 | 0.2115 | -- | 8.12 | 330,870.00 | -1.05 | 1.73 | -1.07 | 1.82 | 99.71 | -- | -4.97 | 7.63 | -- | 1.04 | 0.8239 | 42.55 | 12.42 | -11.27 | -107.29 | -- | 11.57 | -9.71 |
| H & T Group PLC | 239.90m | 21.73m | 164.95m | 1.11k | 7.52 | 0.9135 | 5.02 | 0.6876 | 0.4985 | 0.4985 | 5.51 | 4.11 | 0.9487 | 3.18 | 1.85 | 216,319.20 | 8.59 | 7.55 | 9.17 | 8.16 | 42.30 | 24.73 | 9.06 | 8.84 | 12.12 | 12.51 | 0.3189 | 37.13 | 26.93 | 9.07 | 41.38 | 13.99 | 34.58 | 9.10 |
| S&U PLC | 115.44m | 25.44m | 191.98m | 239.00 | 7.55 | 0.8199 | 7.40 | 1.66 | 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 | 759.50m | 49.00m | 335.44m | 6.56k | 7.42 | 0.7177 | 4.28 | 0.4417 | 0.2049 | 0.2049 | 3.18 | 2.12 | 0.6409 | -- | 1.15 | 115,865.80 | 4.13 | 2.67 | 5.06 | 3.24 | 90.51 | 91.10 | 6.45 | 4.39 | -- | 59.38 | 0.5411 | 49.45 | 18.95 | -2.39 | -15.49 | -8.64 | -2.76 | -3.64 |
| Funding Circle Holdings PLC | 172.60m | -22.50m | 432.59m | 959.00 | -- | 2.03 | -- | 2.51 | -0.0654 | -0.0948 | 0.5001 | 0.6338 | 0.4842 | -- | 10.12 | 179,979.10 | -6.31 | -5.64 | -8.72 | -10.70 | -- | -- | -13.04 | -21.30 | -- | -- | 0.2599 | -- | 11.34 | 3.79 | -455.07 | -- | -1.71 | -- |
| Nationwide Building Society | 14.03bn | 1.30bn | 1.39bn | 14.23k | -- | -- | 0.7912 | 0.2253 | -- | -- | -- | -- | -- | -- | -- | -- | 0.4781 | 0.3992 | -- | -- | -- | -- | 21.02 | 24.33 | -- | -- | -- | -- | 58.92 | 22.34 | -21.88 | 15.37 | -6.18 | -- |
| Holder | Shares | % Held |
|---|---|---|
| Schroder Investment Management Ltd.as of 05 Jul 2024 | 17.40m | 5.13% |
| T. Rowe Price International Ltd.as of 14 Mar 2024 | 16.30m | 4.81% |
| Capital Research & Management Co. (World Investors)as of 30 Jun 2024 | 14.71m | 4.34% |
| BlackRock Investment Management (UK) Ltd.as of 31 Aug 2024 | 10.09m | 2.98% |
| Ninety One UK Ltd.as of 31 May 2024 | 7.50m | 2.21% |
| J.O. Hambro Capital Management Ltd.as of 31 Aug 2024 | 7.20m | 2.13% |
| Amiral Gestion SAas of 30 Jun 2023 | 7.03m | 2.08% |
| Norges Bank Investment Managementas of 31 Dec 2023 | 5.52m | 1.63% |
| Vanguard Global Advisers LLCas of 31 Aug 2024 | 1.15m | 0.34% |
| Legal & General Investment Management Ltd.as of 31 Jul 2024 | 681.93k | 0.20% |
