Funding Circle Holdings (LSE:FCH) EBIT: £20.4 Mil (TTM As of Dec. 2025)


LSE:FCH Funding Circle Holdings PLC LSE:FCH
72 GF Score
Price £1.46
GF Value £1.74
Valuation Modestly Undervalued
! 9 Warning Signs
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What is Funding Circle Holdings EBIT?

Funding Circle Holdings LSE:FCH +0.97% 72 EBIT is £20.4 Mil as of Dec. 2025. GuruFocus rates LSE:FCH with a GF Score™ of 72/100 and a GF Value™ of £1.74 (Modestly Undervalued). The stock has 9 warning signs investors should review.

Funding Circle Holdings's earnings before interest and taxes (EBIT) for the six months ended in Dec. 2025 was £14.4 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Dec. 2025 was £20.4 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Funding Circle Holdings's annualized ROC % for the quarter that ended in Dec. 2025 was 9.61%. Funding Circle Holdings's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 349.09%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Funding Circle Holdings's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 3.81%.

Funding Circle Holdings  (LSE:FCH) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Funding Circle Holdings's annualized ROC % for the quarter that ended in Dec. 2025 is calculated as:

ROC % (Q: Dec. 2025 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Jun. 2025 ) + Invested Capital (Q: Dec. 2025 ))/ count )
=28.8 * ( 1 - 0% )/( (230.1 + 369.3)/ 2 )
=28.8/299.7
=9.61 %

where

Invested Capital(Q: Jun. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=405.9 - 27.2 - ( 148.6 - max(0, 201.4 - 358.5+148.6))
=230.1

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=535.9 - 14.2 - ( 152.4 - max(0, 302.4 - 467.5+152.4))
=369.3

Note: The Operating Income data used here is two times the semi-annual (Dec. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

Funding Circle Holdings's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 is calculated as:

ROC (Joel Greenblatt) %(Q: Dec. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Jun. 2025  Q: Dec. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=28.8/( ( (8.6 + max(-8.3, 0)) + (7.9 + max(-23.8, 0)) )/ 2 )
=28.8/( ( 8.6 + 7.9 )/ 2 )
=28.8/8.25
=349.09 %

where Working Capital is:

Working Capital(Q: Jun. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(20.5 + 0 + 0) - (27.2 + 0 + 1.6)
=-8.3

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0.2 + 0 + 9.3) - (14.2 + 0 + 19.1)
=-23.8

When net working capital is negative, 0 is used.

Note: The EBIT data used here is two times the semi-annual (Dec. 2025) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Funding Circle Holdings's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Dec. 2025 )
=20.4/534.751
=3.81 %

* 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 EBIT Related Terms

Funding Circle Holdings EBIT Historical Data

* Premium members only.

The historical data trend for Funding Circle Holdings's EBIT 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 EBIT Chart

Funding Circle Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 65.20 -12.90 -9.90 3.80 20.40

Funding Circle Holdings Semi-Annual Data
Dec15 Dec16 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -2.50 0.50 3.30 6.00 14.40

LSE:FCH vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, Funding Circle Holdings's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Funding Circle Holdings's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Funding Circle Holdings's EV-to-EBIT falls into.


LSE:FCH
72GF Score
Funding Circle Holdings PLC LSE:FCH
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Funding Circle Holdings EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was £20.4 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of £20.4 Mil mean?
Funding Circle Holdings (LSE:FCH) has a EBIT of £20.4 Mil as of Dec. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Funding Circle Holdings.
Is Funding Circle Holdings' EBIT too high?
Funding Circle Holdings' current EBIT is £20.4 Mil. Overall, Funding Circle Holdings has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Funding Circle Holdings' EBIT compare to V and MA?
Funding Circle Holdings' EBIT of £20.4 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Funding Circle Holdings. Funding Circle Holdings's current EBIT is £20.4 Mil. 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 (LSE:FCH) is currently considered Modestly Undervalued. The stock's GF Value™ is £1.74, compared to a current price of £1.46 — trading 16.2% below its estimated fair value. The current EBIT is £20.4 Mil. 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 EBIT calculated?
EBIT is calculated from a company's financial statements. For Funding Circle Holdings (LSE:FCH), the current EBIT is £20.4 Mil 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 (LSE:FCH) Overvalued in 2026?

Based on GuruFocus' analysis, Funding Circle Holdings stock appears to be undervalued. The current stock price of £1.46 is trading 16.2% below its estimated GF Value™ of £1.74. GuruFocus considers Funding Circle Holdings to be Modestly Undervalued.

Key valuation signals for LSE:FCH:

  • EBIT: £20.4 Mil
  • GF Value™: £1.74 vs. price of £1.46 (16.2% below fair value)
  • GF Score™: 72/100 with 9 warning signs

No single metric tells the full story. See the LSE:FCH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Funding Circle Holdings Business Description

Other Exchanges FCHl:UK
Address 71 Queen Victoria Street, London, GBR, EC4V 4AY
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

Get the complete analysis for LSE:FCH

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£1.46
Price
£1.74
GF Value