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Funding Circle HoldingsFDCHF 70 EV-to-EBITDA is 24.12 as of Jul. 22, 2026, which is 701% above its 10-year median of 3.01. GuruFocus rates FDCHF with a GF Score™ of 70/100 and a GF Value™ of $2.49 (Modestly Overvalued). The stock has 12 warning signs investors should review. Among 326 Credit Services companies, Funding Circle Holdings ranks worse than 53.07% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Funding Circle Holdings's enterprise value is $1,022.3 Mil.
Funding Circle Holdings's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was $42.4 Mil. Therefore, Funding Circle Holdings's EV-to-EBITDA for today is 24.12.
The historical rank and industry rank for Funding Circle Holdings's EV-to-EBITDA or its related term are showing as below:
FDCHF'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -45.63 Med: 3.01 Max: 50.68
Current: 24.12
During the past 11 years, the highest EV-to-EBITDA of Funding Circle Holdings was 50.68. The lowest was -45.63. And the median was 3.01.
FDCHF's EV-to-EBITDA is ranked worse than 53.07% of 326
companies
in the Credit Services industry
Industry Median: 22.565
vs FDCHF: 24.12
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Funding Circle Holdings (OTCPK:FDCHF) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Funding Circle Holdings's PE Ratio (TTM) for today is calculated as:
Funding Circle Holdings's share price for today is $3.20.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Funding Circle Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.188.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
* 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 EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Funding Circle Holdings's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Funding Circle Holdings's EV-to-EBITDA falls into.
Funding Circle Holdings's current Enterprise Value is $1,022.3 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Funding Circle Holdings's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was $42.4 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.
Funding Circle Holdings (FDCHF) has a EV-to-EBITDA of 24.12 as of Jul. 22, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Funding Circle Holdings. This is 701% above median its historical median of 3.01. According to the industry distribution chart, Funding Circle Holdings ranks #173 out of 326 companies in the Credit Services industry, placing it in the top 53.1%.
Is Funding Circle Holdings' EV-to-EBITDA too high?
Funding Circle Holdings' current EV-to-EBITDA of 24.12 is 701% above median its 10-year median of 3.01. The Credit Services industry median EV-to-EBITDA is 22.57. Funding Circle Holdings' value of 24.12 is 6.9% above this industry median. Based on the distribution chart, Funding Circle Holdings ranks #173 out of 326 companies in the Credit Services industry, which is below the industry midpoint. Overall, Funding Circle Holdings has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Funding Circle Holdings' EV-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Funding Circle Holdings ranks #173 out of 326 companies for EV-to-EBITDA. This places Funding Circle Holdings in the lower half of its industry. The industry median EV-to-EBITDA is 22.57. Funding Circle Holdings' value of 24.12 is 6.9% above this benchmark. While the company's 10-year median is 3.01 vs. the industry median of 22.57, 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 EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 22.57, based on 326 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Funding Circle Holdings's current EV-to-EBITDA of 24.12 is 6.9% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Funding Circle Holdings. For the Credit Services industry, the median EV-to-EBITDA is 22.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Funding Circle Holdings's current EV-to-EBITDA is 24.12, which is 701% above median its own 10-year median of 3.01. 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 $2.49, compared to a current price of $3.20 — trading 28.5% above its estimated fair value. The current EV-to-EBITDA is 24.12, which is 701% above median its 10-year median of 3.01 and 6.9% above the Credit Services industry median of 22.57. Funding Circle Holdings' overall GF Score™ is 70/100 with 12 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Funding Circle Holdings (FDCHF), the current EV-to-EBITDA is 24.12 as of Jul. 22, 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 overvalued.
The current stock price of $3.20 is trading 28.5% above its estimated GF Value™ of $2.49.
GuruFocus considers Funding Circle Holdings to be Modestly Overvalued.
Key valuation signals for FDCHF:
EV-to-EBITDA: 24.12 (701% above median its 10-year median of 3.01)
GF Value™: $2.49 vs. price of $3.20 (28.5% above fair value)
Industry Position: 6.9% above the Credit Services median (#173 of 326)
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.
70GF Score
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