EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Funding Circle Holdings's Enterprise Value is $702.9 Mil.
Funding Circle Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $-58.7 Mil. Therefore, Funding Circle Holdings's EV-to-FCF for today is -11.98.
The historical rank and industry rank for Funding Circle Holdings's EV-to-FCF or its related term are showing as below:
FDCHF'
s EV-to-FCF Range Over the Past 10 Years
Min: -39.83 Med: -4 Max: 44.02
Current: -12.31
During the past 11 years, the highest EV-to-FCF of Funding Circle Holdings was 44.02. The lowest was -39.83. And the median was -4.00.
FDCHF's EV-to-FCF is ranked worse than 100% of 265
companies
in the Credit Services industry
Industry Median: 13.02
vs FDCHF: -12.31
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $2.18.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Funding Circle Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Funding Circle Holdings's EV-to-FCF falls into.
Funding Circle Holdings's current Enterprise Value is $702.9 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Funding Circle Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $-58.7 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-FCF of -11.98 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Funding Circle Holdings and its competitors. According to the industry distribution chart, Funding Circle Holdings ranks #999999 out of 265 companies in the Credit Services industry.
Is Funding Circle Holdings' EV-to-FCF too high?
Funding Circle Holdings' current EV-to-FCF is -11.98. Based on the distribution chart, Funding Circle Holdings ranks #999999 out of 265 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Funding Circle Holdings has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.
How does Funding Circle Holdings' EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Funding Circle Holdings ranks #999999 out of 265 companies for EV-to-FCF. This places Funding Circle Holdings in the lower half of its industry. The industry median EV-to-FCF is 13.02. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.02, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Funding Circle Holdings and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Funding Circle Holdings's current EV-to-FCF is -11.98. 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?
Funding Circle Holdings (FDCHF) has a current EV-to-FCF of -11.98. The stock's GF Value™ is $2.61, compared to a current price of $2.18 — trading 16.5% below its estimated fair value. The current EV-to-FCF is -11.98. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Funding Circle Holdings (FDCHF), the current EV-to-FCF is -11.98 as of Jun. 28, 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 undervalued.
The current stock price of $2.18 is trading 16.5% below its estimated GF Value™ of $2.61.
Key valuation signals for FDCHF:
EV-to-FCF: -11.98
GF Value™: $2.61 vs. price of $2.18 (16.5% below 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
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