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Funding Circle HoldingsFDCHF -7.81%66 Cash-to-Debt is 1.75 as of Jun. 2026, which is 9% above its 10-year median of 1.60. GuruFocus rates FDCHF with a GF Score™ of 66/100 and a GF Value™ of $3.15 (Fairly Valued). The stock has 7 warning signs investors should review. Among 525 Credit Services companies, Funding Circle Holdings ranks better than 68.38% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Funding Circle Holdings's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.75.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Funding Circle Holdingscould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Funding Circle Holdings's Cash-to-Debt or its related term are showing as below:
FDCHF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1 Med: 1.6 Max: No Debt
Current: 0.74
During the past 11 years, Funding Circle Holdings's highest Cash to Debt Ratio was No Debt. The lowest was 0.10. And the median was 1.60.
FDCHF's Cash-to-Debt is ranked better than 68.38% of 525
companies
in the Credit Services industry
Industry Median: 0.19
vs FDCHF: 0.74
Funding Circle Holdings (OTCPK:FDCHF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Funding Circle Holdings Cash-to-Debt Related Terms
Funding Circle Holdings Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, Funding Circle Holdings's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Funding Circle Holdings Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Funding Circle Holdings's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Funding Circle Holdings's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Funding Circle Holdings (FDCHF) has a Cash-to-Debt of 1.75 as of Jun. 2026. This is near median its historical median of 1.60. Over the past decade, Funding Circle Holdings' Cash-to-Debt has ranged from 0.10 to 10,000.00. According to the industry distribution chart, Funding Circle Holdings ranks #166 out of 525 companies in the Credit Services industry, placing it in the top 31.6%.
Is Funding Circle Holdings' Cash-to-Debt too high?
Funding Circle Holdings' current Cash-to-Debt of 1.75 is near median its 10-year median of 1.60. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 10,000.00. The Credit Services industry median Cash-to-Debt is 0.19. Funding Circle Holdings' value of 1.75 is 821.1% above this industry median. Based on the distribution chart, Funding Circle Holdings ranks #166 out of 525 companies in the Credit Services industry, which is above the industry midpoint. Overall, Funding Circle Holdings has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Funding Circle Holdings' Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, Funding Circle Holdings ranks #166 out of 525 companies for Cash-to-Debt. This puts Funding Circle Holdings in the upper half of its industry. The industry median Cash-to-Debt is 0.19. Funding Circle Holdings' value of 1.75 is 821.1% above this benchmark. Historically, Funding Circle Holdings' own Cash-to-Debt has ranged from 0.10 to 10,000.00 over the past decade. While the company's 10-year median is 1.60 vs. the industry median of 0.19, Funding Circle Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Funding Circle Holdings's current Cash-to-Debt of 1.75 is 821.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Funding Circle Holdings's current Cash-to-Debt is 1.75, which is near median its own 10-year median of 1.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Funding Circle Holdings stock overvalued right now?
Based on GuruFocus' analysis, Funding Circle Holdings (FDCHF) is currently considered Fairly Valued. The stock's GF Value™ is $3.15, compared to a current price of $2.95 — trading 6.3% below its estimated fair value. The current Cash-to-Debt is 1.75, which is near median its 10-year median of 1.60 and 821.1% above the Credit Services industry median of 0.19. Funding Circle Holdings' overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Funding Circle Holdings (FDCHF), the current Cash-to-Debt is 1.75 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Funding Circle Holdings (FDCHF) Overvalued in 2026?
Based on GuruFocus' analysis, Funding Circle Holdings stock appears to be undervalued.
The current stock price of $2.95 is trading 6.3% below its estimated GF Value™ of $3.15.
GuruFocus considers Funding Circle Holdings to be Fairly Valued.
Key valuation signals for FDCHF:
Cash-to-Debt: 1.75 (near median its 10-year median of 1.60)
GF Value™: $3.15 vs. price of $2.95 (6.3% below fair value)
Industry Position: 821.1% above the Credit Services median (#166 of 525)
No single metric tells the full story. See the FDCHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Funding Circle Holdings PLC provides an online lending platform through which borrower loans are originated and allocated to investors and comprising the different online lending platforms across the company's geographies. Company's segment includes: Term Loans and FlexiPay. The sectors includes: Wholesale & retail, Real Estate, Health & other service activities, Other manufacturing, IT & telecommunication The company's geographical segment include the United Kingdom and developing markets. It derives the majority of its revenue from the United Kingdom region.
66GF Score
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