* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Funding Circle Holdings's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Funding Circle Holdings's FCF Margin % falls into.
* 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 (CHIX:FCHL) has a FCF Margin % of -3.29% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Funding Circle Holdings and its competitors. According to the industry distribution chart, Funding Circle Holdings ranks #349 out of 531 companies in the Credit Services industry, placing it in the top 65.7%.
Is Funding Circle Holdings' FCF Margin % too high?
Funding Circle Holdings' current FCF Margin % is -3.29%. Based on the distribution chart, Funding Circle Holdings ranks #349 out of 531 companies in the Credit Services industry, which is below the industry midpoint. 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' FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Funding Circle Holdings ranks #349 out of 531 companies for FCF Margin %. This places Funding Circle Holdings in the lower half of its industry. The industry median FCF Margin % is 0.24. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Funding Circle Holdings and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Funding Circle Holdings's current FCF Margin % is -3.29%. 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 (CHIX:FCHL) is currently considered Modestly Undervalued. The stock's GF Value™ is £1.73, compared to a current price of £1.45 — trading 16% below its estimated fair value. The current FCF Margin % is -3.29%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Funding Circle Holdings (CHIX:FCHL), the current FCF Margin % is -3.29% 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 (CHIX:FCHL) Overvalued in 2026?
Based on GuruFocus' analysis, Funding Circle Holdings stock appears to be undervalued.
The current stock price of £1.45 is trading 16% below its estimated GF Value™ of £1.73.
GuruFocus considers Funding Circle Holdings to be Modestly Undervalued.
Key valuation signals for CHIX:FCHL:
FCF Margin %: -3.29%
GF Value™: £1.73 vs. price of £1.45 (16% below fair value)
No single metric tells the full story. See the CHIX:FCHL 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 CHIX:FCHL
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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