Financials / Credit ServicesUpdated 2026-05-10 22:07 UTC

LON/FCH stock hub

LON/FCH has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

390.5M

London Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

LON/FCH

In the news

Latest news · LON/FCH

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E14.5

P25 8.9P50 11.2P75 14.4

Trailing P/E9.6

P25 9.1P50 13P75 18.8

ROE20.7

P25 3.3P50 10.3P75 16

ROIC9

P25 -0.8P50 6.7P75 14.6

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All LON/FCH market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

201

Groups with data

Currency

GBP

Showing 201 of 201 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	United Kingdom
Country code	UK
Employees	778
Employees Change	52%
Employees Change Percent	7.16
Enterprise value	GBX 390M
Exchange	London Stock Exchange
Financial currency	GBP
First seen	2026-05-10
Industry	Credit Services
Isin	GB00BG0TPX62
Last refreshed	2026-05-10
Market cap	GBX 390.5M
Price	GBX 135
Price currency	GBX
Rev Per Employee	262,596.4x
Sector	Financials
Sic	6141
Symbol	lon/FCH
Website	https://www.fundingcircle.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	11.78%
EV Earnings	8.48x
EV/EBIT	19.12x
EV/EBITDA	17.18x
EV/FCF	-11.34x
EV/Sales	1.91x
FCF yield	-8.81%
Forward P/E	14.52x
P/B ratio	1.71x
P/E ratio	9.64x
P/S ratio	1.91x
PE Ratio3 Y	21.17x
PEG ratio	0.28x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	9.99%
EBITDA Margin	10.47%
Gross margin	66.52%
Gross Profit	GBX 135.9M
Gross Profit Growth	22.54%
Gross Profit Growth Q	48.73%
Gross Profit Growth3 Y	20.69%
Gross Profit Growth5 Y	17.76%
Net Income	GBX 46M
Net Income Growth	434.88%
Net Income Growth Q	90.52%
Net Income Growth Quarters	4%
Net Income Growth Years	2%
Pretax Margin	9.94%
Profit Margin	22.52%
Profit Per Employee	GBX 59,126
Profitable Years	2
ROA	2.85
Roa5y	1.54
ROCE	8.74
ROE	20.68
Roe5y	7.9
ROIC	8.95
Roic5y	8.96

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	15.79%
Cagr3y	36.91%
Cagr5y	-2.22%
EPS Growth	457.4
EPS Growth Q	145
EPS Growth Quarters	4
EPS Growth Years	2
Revenue Growth	27.61x
Revenue Growth Q	38.27x
Revenue Growth Quarters	4x
Revenue Growth Years	2x
Revenue Growth3 Y	10.97x
Revenue Growth5 Y	8.45x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	GBX 0.46
Assets	GBX 535.9M
Cash	GBX 274.1M
Current Assets	GBX 467.5M
Current Liabilities	GBX 302.4M
Debt	GBX 273.6M
Debt EBITDA	GBX 12.05
Debt Equity	GBX 1.2
Debt FCF	GBX -7.95
Equity	GBX 228.4M
Liabilities	GBX 307.5M
Long Term Assets	GBX 68.4M
Long Term Liabilities	GBX 5.1M
Net Cash	GBX 500,000
Net Cash By Market Cap	GBX 0.13
Net Cash Growth	-99.38%
Net Debt EBITDA	GBX -0.02
Net Debt Equity	GBX -0
Tangible Book Value	GBX 228.3M
Tangible Book Value Per Share	GBX 0.79
WACC	4.89

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	1.55
Net Working Capital	GBX 160.1M
Quick ratio	1.53
Working Capital	GBX 165.1M
Working Capital Turnover	GBX 1.21

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	14.02%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	15.78%
200-day SMA	135.4
3Y total return	156.65%
50-day SMA	141.1
50-day SMA vs 200-day SMA	50over200
5Y total return	-10.6%
All Time High	460
All Time High Change	-70.65%
All Time High Date	2018-09-28
All Time Low	21.95
All Time Low Change	515.03%
All Time Low Date	2020-03-18
ATR	7.2
Beta	0.74
Beta1y	1.19
Beta2y	0.93
Ch YTD	6.8
High	138.6
High52	176.8
High52 Date	2026-01-28
High52ch	-23.64%
Low	134.2
Low52	104
Low52 Date	2025-06-03
Low52ch	29.81%
Ma50ch	-4.35%
Price vs 200-day SMA	-0.32%
RSI	40.96
RSI Monthly	54.51
RSI Weekly	48.22
Sharpe ratio	0.41x
Sortino ratio	0.83
Total Return	14.02%
Tr YTD	6.8
Tr1m	0.15%
Tr1w	-4.8%
Tr3m	-13.46%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	GBX 20.4M
Operating Income Growth	64.52
Operating Income Growth Q	131.1
Operating Income Growth3 Y	164.7
Operating margin	9.99

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	141,280,801%
Net Borrowing	163,500,000
Shares Insiders	16.4%
Shares Institutions	52.16%
Shares Out	289,274,827
Shares Qo Q	-5.71%
Shares Yo Y	-14.02%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	GBX -39.4M
Average Volume	1,316,579.8x
Bv Per Share	0.79
CAPEX	GBX -600,000
Ch1m	0.15
Ch1w	-4.8
Ch1y	15.78
Ch3m	-13.46
Ch3y	156.7
Ch5y	-10.6
Ch6m	10.11
Change	-2.03%
Change From Open	0.45
Close	137.8
Days Gap	-2.47
Depreciation Amortization	1,000,000
Dollar Volume	98,425,665
Earnings Date	2026-09-08
EBIT	GBX 20.4M
EBITDA	GBX 21.4M
EPS	GBX 0.14
F Score	3
FCF	GBX -34.4M
FCF EV Yield	-8.82x
FCF Per Share	GBX -0.12
Financing CF	124,700,000
Fiscal Year End	December
Founded	2,010
Graham Number	157.706
Graham Upside	16.82
Income Tax	GBX -25.7M
Investing CF	-126,200,000
Is Primary Listing	1
Last Earnings Date	2026-03-05
Last Report Date	2025-12-31
Ma150	135.8
Ma150ch	-0.61%
Ma20	147.1
Ma20ch	-8.21%
Net CF	-35,200,000
Next Earnings Date	2026-09-08
Open	134.4
Position In Range	18.18
Ppne	7,900,000
Price Date	2026-05-08
Price EBITDA	GBX 18.25
Ptbv Ratio	1.71
Relative Volume	0.57x
Revenue	204,300,000x
SBC By Revenue	2.45x
Share Based Comp	5,000,000
Tax By Revenue	-12.58x
Tr6m	10.11%
Volume	729,079
Z Score	2.16

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

Does LON/FCH pay a dividend?

Capital-return profile for this ticker.

Performance

LON/FCH stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns LON/FCH?

Insider, institutional, and short-interest positioning.

Institutional ownership

+52.2%

Share of float held by funds and institutions

Insider ownership

+16.4%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

-14.0%

Negative means the company is buying back shares.

Technical

LON/FCH momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

41.0

Neutral momentum band

Price vs 200-day MA

-0.3%

50/200-day relationship not available

Beta (5Y)

0.74

Less volatile than the market

Sharpe ratio

0.41

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About LON/FCH

Hub-level FAQ points readers to the deeper analysis pages.

What is the current lon/FCH stock rating?

lon/FCH is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full lon/FCH analysis?

The full report lives at /stocks/lon/FCH/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for lon/FCH?

The latest report frames lon/FCH around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the lon/FCH page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.