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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Funding Circle Holdings's Enterprise Value is $1,034.0 Mil.
Funding Circle Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $-45.9 Mil. Therefore, Funding Circle Holdings's EV-to-OCF for today is -22.54.
The historical rank and industry rank for Funding Circle Holdings's EV-to-OCF or its related term are showing as below:
FDCHF'
s EV-to-OCF Range Over the Past 10 Years
Min: -60.98 Med: -5.79 Max: 30.32
Current: -22.65
During the past 11 years, the highest EV-to-OCF of Funding Circle Holdings was 30.32. The lowest was -60.98. And the median was -5.79.
FDCHF's EV-to-OCF is ranked better than 81.43% of 544
companies
in the Credit Services industry
Industry Median: -0.865
vs FDCHF: -22.65
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 (OTCPK:FDCHF) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $2.95.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Funding Circle Holdings's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Funding Circle Holdings's EV-to-OCF falls into.
Funding Circle Holdings's current Enterprise Value is $1,034.0 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Funding Circle Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $-45.9 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-OCF of -22.54 as of Aug. 12, 2026. According to the industry distribution chart, Funding Circle Holdings ranks #101 out of 544 companies in the Credit Services industry, placing it in the top 18.6%.
Is Funding Circle Holdings' EV-to-OCF too high?
Funding Circle Holdings' current EV-to-OCF is -22.54. Based on the distribution chart, Funding Circle Holdings ranks #101 out of 544 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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' EV-to-OCF compare to V and MA?
According to the Credit Services industry distribution chart, Funding Circle Holdings ranks #101 out of 544 companies for EV-to-OCF. This places Funding Circle Holdings in the top 19% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Funding Circle Holdings's current EV-to-OCF is -22.54. 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 $2.32, compared to a current price of $2.95 — trading 27.2% above its estimated fair value. The current EV-to-OCF is -22.54. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Funding Circle Holdings (FDCHF), the current EV-to-OCF is -22.54 as of Aug. 12, 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 $2.95 is trading 27.2% above its estimated GF Value™ of $2.32.
GuruFocus considers Funding Circle Holdings to be Modestly Overvalued.
Key valuation signals for FDCHF:
EV-to-OCF: -22.54
GF Value™: $2.32 vs. price of $2.95 (27.2% above fair value)
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
Get the complete analysis for FDCHF
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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