Stock FCH FUNDING CIRCLE HOLDINGS PLC
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Financials Funding Circle Holdings plc

Equities

FCH

GB00BG0TPX62

Consumer Lending

Market Closed - London S.E.
Other stock markets
 09:05:05 03/05/2024 pm IST 		5-day change 1st Jan Change
68.2 GBX -3.94% Intraday chart for Funding Circle Holdings plc +4.92% +70.50%
02/05 Deutsche Bank likes TP ICAP but says sell CMC AN
24/04 Funding Circle rises amid strong 2024 AN

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 304.5 317.6 398.6 194.4 141.5 237.1 - -
Enterprise Value (EV) 1 84.2 209 259.1 -6.091 -41.62 237.1 237.1 237.1
P/E ratio -3.58 x -2.88 x 7 x -27.5 x -3.6 x -52.5 x 29.7 x 8.53 x
Yield - - - - - - - 1.76%
Capitalization / Revenue 1.82 x 3.06 x 1.93 x 1.31 x 0.87 x 1.51 x 1.3 x 1.1 x
EV / Revenue 1.82 x 3.06 x 1.93 x 1.31 x 0.87 x 1.51 x 1.3 x 1.1 x
EV / EBITDA -43,62,475 x -49,78,832 x 43,41,659 x 2,85,89,471 x -3,62,77,583 x - - -
EV / FCF - 1,39,31,994 x 43,94,315 x - -53,79,566 x - - -
FCF Yield - 0% 0% - -0% - - -
Price to Book 0.95 x 1.44 x 1.37 x 0.73 x - 1.03 x 1 x 0.9 x
Nbr of stocks (in thousands) 3,48,399 3,52,944 3,55,861 3,53,470 3,53,707 3,47,593 - -
Reference price 2 0.8740 0.9000 1.120 0.5500 0.4000 0.6820 0.6820 0.6820
Announcement Date 12/03/20 25/03/21 10/03/22 02/03/23 07/03/24 - - -
1GBP in Million2GBP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 167.4 103.7 206.9 148.7 162.2 157 183 216
EBITDA -69.8 -63.8 91.8 6.8 -3.9 - - -
EBIT 1 -84.7 -106.3 64.2 -14.7 -39.2 -6 9 31
Operating Margin -50.6% -102.51% 31.03% -9.89% -24.17% -3.82% 4.92% 14.35%
Earnings before Tax (EBT) 1 -84.2 -108.1 64.1 -12.9 -33.2 -6 9 31
Net income -84.7 -108.3 61.2 -6.9 -38.3 - - -
Net margin -50.6% -104.44% 29.58% -4.64% -23.61% - - -
EPS 2 -0.2440 -0.3120 0.1600 -0.0200 -0.1110 -0.0130 0.0230 0.0800
Free Cash Flow - 22.8 90.7 - -26.3 - - -
FCF margin - 21.99% 43.84% - -16.21% - - -
FCF Conversion (EBITDA) - - 98.8% - - - - -
FCF Conversion (Net income) - - 148.2% - - - - -
Dividend per Share 2 - - - - - - - 0.0120
Announcement Date 12/03/20 25/03/21 10/03/22 02/03/23 07/03/24 - - -
1GBP in Million2GBP
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2019 S2 2020 S1 2020 S2 2021 S1 2021 S2 2022 S1 2022 S2 2023 S1
Net sales 1 86 101.2 98.6 120.6 86.3 - 71.4 76.6
EBITDA - - - - - - - -
EBIT - - - - - - - -
Operating Margin - - - - - - - -
Earnings before Tax (EBT) - - - - - 1.6 - -
Net income - - - - - 7.1 - -
Net margin - - - - - - - -
EPS - - - - - - - -
Dividend per Share - - - - - - - -
Announcement Date 12/03/20 24/09/20 25/03/21 09/09/21 10/03/22 08/09/22 02/03/23 07/09/23
1GBP in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position 220 109 140 201 183 - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - 22.8 90.7 - -26.3 - - -
ROE (net income / shareholders' equity) -14% -40.4% - -2.41% -14.4% - - -
ROA (Net income/ Total Assets) - -12.2% 9.66% -1.45% -10.1% -1.15% 1.86% 5.59%
Assets - 888.8 633.7 474.9 378.6 - - -
Book Value Per Share 1 0.9200 0.6300 0.8200 0.7500 - 0.6600 0.6800 0.7600
Cash Flow per Share -0.0800 - - - - - - -
Capex - 10.3 9.4 - - - - -
Capex / Sales - 9.93% 4.54% - - - - -
Announcement Date 12/03/20 25/03/21 10/03/22 02/03/23 07/03/24 - - -
1GBP
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
4
Last Close Price
0.682 GBP
Average target price
1.267 GBP
Spread / Average Target
+85.73%
Consensus

EPS Revisions

Estimates Revisions

Quarterly revenue - Rate of surprise

Company calendar

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