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Funding Circle HoldingsFDCHF 72 Debt-to-Equity is 1.20 as of Dec. 2025, which is 79% above its 10-year median of 0.67. GuruFocus rates FDCHF with a GF Score™ of 72/100 and a GF Value™ of $2.54 (Modestly Overvalued). The stock has 12 warning signs investors should review. Among 456 Credit Services companies, Funding Circle Holdings ranks better than 50.66% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Funding Circle Holdings's Debt-to-Equity or its related term are showing as below:
FDCHF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.06 Med: 0.67 Max: 2.39
Current: 1.2
During the past 11 years, the highest Debt-to-Equity Ratio of Funding Circle Holdings was 2.39. The lowest was 0.06. And the median was 0.67.
FDCHF's Debt-to-Equity is ranked better than 50.66% of 456
companies
in the Credit Services industry
Industry Median: 1.235
vs FDCHF: 1.20
Funding Circle Holdings (OTCPK:FDCHF) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Funding Circle Holdings Debt-to-Equity Related Terms
Funding Circle Holdings Debt-to-Equity 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.
For the Credit Services subindustry, Funding Circle Holdings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Funding Circle Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Funding Circle Holdings's Debt-to-Equity 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 Debt-to-Equity of 1.20 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Funding Circle Holdings and its competitors. This is 79% above median its historical median of 0.67. Over the past decade, Funding Circle Holdings' Debt-to-Equity has ranged from 0.06 to 2.39. According to the industry distribution chart, Funding Circle Holdings ranks #225 out of 456 companies in the Credit Services industry, placing it in the top 49.3%.
Is Funding Circle Holdings' Debt-to-Equity too high?
Funding Circle Holdings' current Debt-to-Equity of 1.20 is 79% above median its 10-year median of 0.67. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 2.39. The Credit Services industry median Debt-to-Equity is 1.24. Funding Circle Holdings' value of 1.20 is 2.8% below this industry median. Based on the distribution chart, Funding Circle Holdings ranks #225 out of 456 companies in the Credit Services industry, which is above the industry midpoint. Overall, Funding Circle Holdings has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Funding Circle Holdings' Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Funding Circle Holdings ranks #225 out of 456 companies for Debt-to-Equity. This puts Funding Circle Holdings in the upper half of its industry. The industry median Debt-to-Equity is 1.24. Funding Circle Holdings' value of 1.20 is 2.8% below this benchmark. Historically, Funding Circle Holdings' own Debt-to-Equity has ranged from 0.06 to 2.39 over the past decade. While the company's 10-year median is 0.67 vs. the industry median of 1.24, Funding Circle Holdings has consistently been below 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 Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.24, based on 456 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Funding Circle Holdings's current Debt-to-Equity of 1.20 is 2.8% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Funding Circle Holdings and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Funding Circle Holdings's current Debt-to-Equity is 1.20, which is 79% above median its own 10-year median of 0.67. 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 Modestly Overvalued. The stock's GF Value™ is $2.54, compared to a current price of $3.20 — trading 26% above its estimated fair value. The current Debt-to-Equity is 1.20, which is 79% above median its 10-year median of 0.67 and 2.8% below the Credit Services industry median of 1.24. Funding Circle Holdings' overall GF Score™ is 72/100 with 12 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Funding Circle Holdings (FDCHF), the current Debt-to-Equity is 1.20 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 overvalued.
The current stock price of $3.20 is trading 26% above its estimated GF Value™ of $2.54.
GuruFocus considers Funding Circle Holdings to be Modestly Overvalued.
Key valuation signals for FDCHF:
Debt-to-Equity: 1.20 (79% above median its 10-year median of 0.67)
GF Value™: $2.54 vs. price of $3.20 (26% above fair value)
Industry Position: 2.8% below the Credit Services median (#225 of 456)
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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