Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Funding Circle HoldingsFDCHF 71 Earnings Yield (Joel Greenblatt) % is 4.19% as of Dec. 2025. GuruFocus rates FDCHF with a GF Score™ of 71/100 and a GF Value™ of $2.31 (Significantly Overvalued). The stock has 12 warning signs investors should review. Among 546 Credit Services companies, Funding Circle Holdings ranks better than 62.45% on this metric.
Funding Circle Holdings's Enterprise Value for the quarter that ended in Dec. 2025 was $624.9 Mil.
Funding Circle Holdings's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was $27.4 Mil. Funding Circle Holdings's Earnings Yield (Joel Greenblatt) for the quarter that ended in Dec. 2025 was 4.19%.
The historical rank and industry rank for Funding Circle Holdings's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
FDCHF'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: -1066.6 Med: -6.07 Max: 5265.96
Current: 2.65
During the past 11 years, the highest Earnings Yield (Joel Greenblatt) of Funding Circle Holdings was 5265.96%. The lowest was -1066.60%. And the median was -6.07%.
FDCHF's Earnings Yield (Joel Greenblatt) % is ranked better than 62.45% of 546
companies
in the Credit Services industry
Industry Median: 0.965
vs FDCHF: 2.65
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. Funding Circle Holdings's Forward Rate of Return (Yacktman) % for the quarter that ended in Dec. 2025 was 0.00%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Funding Circle Holdings (OTCPK:FDCHF) Earnings Yield (Joel Greenblatt) % Explanation
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
Funding Circle Holdings Earnings Yield (Joel Greenblatt) % Related Terms
Funding Circle Holdings Earnings Yield (Joel Greenblatt) % Historical Data
* Premium members only.
The historical data trend for Funding Circle Holdings's Earnings Yield (Joel Greenblatt) % can be seen below:
* 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 Earnings Yield (Joel Greenblatt) % Chart
For the Credit Services subindustry, Funding Circle Holdings's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Funding Circle Holdings's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Funding Circle Holdings's Earnings Yield (Joel Greenblatt) % falls into.
Funding Circle Holdings Earnings Yield (Joel Greenblatt) % Calculation
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
Funding Circle Holdingss Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Dec. 2025 is calculated as
For company reported semi-annually or annually, GuruFocus only calculate annual data for Earnings Yield (Joel Greenblatt) and apply the annual figure to corresponding quarter.
What does a Earnings Yield (Joel Greenblatt) % of 4.19% mean?
Funding Circle Holdings (FDCHF) has a Earnings Yield (Joel Greenblatt) % of 4.19% as of Dec. 2025. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Funding Circle Holdings and its competitors. According to the industry distribution chart, Funding Circle Holdings ranks #205 out of 546 companies in the Credit Services industry, placing it in the top 37.5%.
Is Funding Circle Holdings' Earnings Yield (Joel Greenblatt) % too high?
Funding Circle Holdings' current Earnings Yield (Joel Greenblatt) % is 4.19%. The Credit Services industry median Earnings Yield (Joel Greenblatt) % is 0.97. Funding Circle Holdings' value of 4.19% is 334.2% above this industry median. Based on the distribution chart, Funding Circle Holdings ranks #205 out of 546 companies in the Credit Services industry, which is above the industry midpoint. Overall, Funding Circle Holdings has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Funding Circle Holdings' Earnings Yield (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Funding Circle Holdings ranks #205 out of 546 companies for Earnings Yield (Joel Greenblatt) %. This puts Funding Circle Holdings in the upper half of its industry. The industry median Earnings Yield (Joel Greenblatt) % is 0.97. Funding Circle Holdings' value of 4.19% is 334.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings Yield (Joel Greenblatt) % for a Credit Services company?
The median Earnings Yield (Joel Greenblatt) % among Credit Services companies is 0.97, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Funding Circle Holdings's current Earnings Yield (Joel Greenblatt) % of 4.19% is 334.2% 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 Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Funding Circle Holdings and its competitors. For the Credit Services industry, the median Earnings Yield (Joel Greenblatt) % is 0.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Funding Circle Holdings's current Earnings Yield (Joel Greenblatt) % is 4.19%. 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 Significantly Overvalued. The stock's GF Value™ is $2.31, compared to a current price of $3.20 — trading 38.5% above its estimated fair value. The current Earnings Yield (Joel Greenblatt) % is 4.19% and 334.2% above the Credit Services industry median of 0.97. Funding Circle Holdings' overall GF Score™ is 71/100 with 12 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For Funding Circle Holdings (FDCHF), the current Earnings Yield (Joel Greenblatt) % is 4.19% 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 38.5% above its estimated GF Value™ of $2.31.
GuruFocus considers Funding Circle Holdings to be Significantly Overvalued.
Key valuation signals for FDCHF:
Earnings Yield (Joel Greenblatt) %: 4.19%
GF Value™: $2.31 vs. price of $3.20 (38.5% above fair value)
Industry Position: 334.2% above the Credit Services median (#205 of 546)
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.
71GF Score
Get the complete analysis for FDCHF
Earnings Yield (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FDCHF has been successfully added to your 
