Funding Circle HoldingsFDCHF 72 Days Payable is 112.55 as of Dec. 2025, which is 748% above its 10-year median of 13.28. GuruFocus rates FDCHF with a GF Score™ of 72/100 and a GF Value™ of $2.61. The stock has 9 warning signs investors should review. Among 301 Credit Services companies, Funding Circle Holdings ranks better than 60.13% on this metric.
* 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.
For the Credit Services subindustry, Funding Circle Holdings's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Funding Circle Holdings's Days Payable distribution charts can be found below:
* The bar in red indicates where Funding Circle Holdings's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Funding Circle Holdings's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Days Payable of 112.55 as of Dec. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Funding Circle Holdings and its competitors. This is 748% above median its historical median of 13.28. Over the past decade, Funding Circle Holdings' Days Payable has ranged from 6.86 to 138.61. According to the industry distribution chart, Funding Circle Holdings ranks #120 out of 301 companies in the Credit Services industry, placing it in the top 39.9%.
Is Funding Circle Holdings' Days Payable too high?
Funding Circle Holdings' current Days Payable of 112.55 is 748% above median its 10-year median of 13.28. Over the past 10 years, this metric has ranged from a low of 6.86 to a high of 138.61. The Credit Services industry median Days Payable is 33.87. Funding Circle Holdings' value of 112.55 is 232.3% above this industry median. Based on the distribution chart, Funding Circle Holdings ranks #120 out of 301 companies in the Credit Services industry, which is above the industry midpoint. Overall, Funding Circle Holdings has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.
How does Funding Circle Holdings' Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Funding Circle Holdings ranks #120 out of 301 companies for Days Payable. This puts Funding Circle Holdings in the upper half of its industry. The industry median Days Payable is 33.87. Funding Circle Holdings' value of 112.55 is 232.3% above this benchmark. Historically, Funding Circle Holdings' own Days Payable has ranged from 6.86 to 138.61 over the past decade. While the company's 10-year median is 13.28 vs. the industry median of 33.87, 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 Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.87, based on 301 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Funding Circle Holdings's current Days Payable of 112.55 is 232.3% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Funding Circle Holdings and its competitors. For the Credit Services industry, the median Days Payable is 33.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Funding Circle Holdings's current Days Payable is 112.55, which is 748% above median its own 10-year median of 13.28. 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?
Funding Circle Holdings (FDCHF) has a current Days Payable of 112.55. The stock's GF Value™ is $2.61, compared to a current price of $2.18 — trading 16.5% below its estimated fair value. The current Days Payable is 112.55, which is 748% above median its 10-year median of 13.28 and 232.3% above the Credit Services industry median of 33.87. Funding Circle Holdings' overall GF Score™ is 72/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Funding Circle Holdings (FDCHF), the current Days Payable is 112.55 as of Dec. 2025. 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 $2.18 is trading 16.5% below its estimated GF Value™ of $2.61.
Key valuation signals for FDCHF:
Days Payable: 112.55 (748% above median its 10-year median of 13.28)
GF Value™: $2.61 vs. price of $2.18 (16.5% below fair value)
Industry Position: 232.3% above the Credit Services median (#120 of 301)
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.
72GF Score
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