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Funding Circle HoldingsFDCHF -7.81%72 Equity-to-Asset is 0.43 as of Dec. 2025, which is 32% below its 10-year median of 0.63. GuruFocus rates FDCHF with a GF Score™ of 72/100 and a GF Value™ of $2.31 (Modestly Overvalued). The stock has 12 warning signs investors should review. Among 549 Credit Services companies, Funding Circle Holdings ranks better than 53.19% on this metric.
Funding Circle Holdings (OTCPK:FDCHF) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Funding Circle Holdings Equity-to-Asset Related Terms
Funding Circle Holdings Equity-to-Asset 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 Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Funding Circle Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Funding Circle Holdings's Equity-to-Asset falls into.
Funding Circle Holdings Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Funding Circle Holdings's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.43 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Funding Circle Holdings and its competitors. This is 32% below median its historical median of 0.63. Over the past decade, Funding Circle Holdings' Equity-to-Asset has ranged from 0.28 to 0.91. According to the industry distribution chart, Funding Circle Holdings ranks #257 out of 549 companies in the Credit Services industry, placing it in the top 46.8%.
Is Funding Circle Holdings' Equity-to-Asset too high?
Funding Circle Holdings' current Equity-to-Asset of 0.43 is 32% below median its 10-year median of 0.63. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 0.91. The Credit Services industry median Equity-to-Asset is 0.40. Funding Circle Holdings' value of 0.43 is 7.5% above this industry median. Based on the distribution chart, Funding Circle Holdings ranks #257 out of 549 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' Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Funding Circle Holdings ranks #257 out of 549 companies for Equity-to-Asset. This puts Funding Circle Holdings in the upper half of its industry. The industry median Equity-to-Asset is 0.40. Funding Circle Holdings' value of 0.43 is 7.5% above this benchmark. Historically, Funding Circle Holdings' own Equity-to-Asset has ranged from 0.28 to 0.91 over the past decade. While the company's 10-year median is 0.63 vs. the industry median of 0.40, 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 549 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Funding Circle Holdings's current Equity-to-Asset of 0.43 is 7.5% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Funding Circle Holdings and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Funding Circle Holdings's current Equity-to-Asset is 0.43, which is 32% below median its own 10-year median of 0.63. 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 $2.31, compared to a current price of $2.95 — trading 27.7% above its estimated fair value. The current Equity-to-Asset is 0.43, which is 32% below median its 10-year median of 0.63 and 7.5% above the Credit Services industry median of 0.40. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Funding Circle Holdings (FDCHF), the current Equity-to-Asset is 0.43 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 $2.95 is trading 27.7% above its estimated GF Value™ of $2.31.
GuruFocus considers Funding Circle Holdings to be Modestly Overvalued.
Key valuation signals for FDCHF:
Equity-to-Asset: 0.43 (32% below median its 10-year median of 0.63)
GF Value™: $2.31 vs. price of $2.95 (27.7% above fair value)
Industry Position: 7.5% above the Credit Services median (#257 of 549)
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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