Funding Circle HoldingsFDCHF 72 Gross Margin % is 82.00% as of Dec. 2025, which is 65% above its 10-year median of 49.78. GuruFocus rates FDCHF with a GF Score™ of 72/100 and a GF Value™ of $2.61. The stock has 9 warning signs investors should review. Among 387 Credit Services companies, Funding Circle Holdings ranks better than 74.94% on this metric.
FDCHF's Gross Margin % is ranked better than 74.94% of 387
companies
in the Credit Services industry
Industry Median: 51.88
vs FDCHF: 72.99
Funding Circle Holdings had a gross margin of 82.00% for the quarter that ended in Dec. 2025 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for Funding Circle Holdings was 9.70% per year.
Funding Circle Holdings (OTCPK:FDCHF) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Funding Circle Holdings had a gross margin of 82.00% for the quarter that ended in Dec. 2025 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Funding Circle Holdings Gross Margin % Related Terms
Funding Circle Holdings Gross Margin % 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 Gross Margin %, along with its competitors' market caps and Gross 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Funding Circle Holdings's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Funding Circle Holdings's Gross 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Funding Circle Holdings (FDCHF) has a Gross Margin % of 82.00% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on Funding Circle Holdings and its competitors. This is 65% above median its historical median of 49.78. Over the past decade, Funding Circle Holdings' Gross Margin % has ranged from 18.27 to 95.73. According to the industry distribution chart, Funding Circle Holdings ranks #97 out of 387 companies in the Credit Services industry, placing it in the top 25.1%.
Is Funding Circle Holdings' Gross Margin % too high?
Funding Circle Holdings' current Gross Margin % of 82.00% is 65% above median its 10-year median of 49.78. Over the past 10 years, this metric has ranged from a low of 18.27 to a high of 95.73. The Credit Services industry median Gross Margin % is 51.88. Funding Circle Holdings' value of 82.00% is 58.1% above this industry median. Based on the distribution chart, Funding Circle Holdings ranks #97 out of 387 companies in the Credit Services industry, which is above the industry midpoint. 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' Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Funding Circle Holdings ranks #97 out of 387 companies for Gross Margin %. This puts Funding Circle Holdings in the upper half of its industry. The industry median Gross Margin % is 51.88. Funding Circle Holdings' value of 82.00% is 58.1% above this benchmark. Historically, Funding Circle Holdings' own Gross Margin % has ranged from 18.27 to 95.73 over the past decade. While the company's 10-year median is 49.78 vs. the industry median of 51.88, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.88, based on 387 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Funding Circle Holdings's current Gross Margin % of 82.00% is 58.1% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Funding Circle Holdings and its competitors. For the Credit Services industry, the median Gross Margin % is 51.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Funding Circle Holdings's current Gross Margin % is 82.00%, which is 65% above median its own 10-year median of 49.78. 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 Gross Margin % of 82.00%. 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 Gross Margin % is 82.00%, which is 65% above median its 10-year median of 49.78 and 58.1% above the Credit Services industry median of 51.88. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Funding Circle Holdings (FDCHF), the current Gross Margin % is 82.00% 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 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:
Gross Margin %: 82.00% (65% above median its 10-year median of 49.78)
GF Value™: $2.61 vs. price of $2.18 (16.5% below fair value)
Industry Position: 58.1% above the Credit Services median (#97 of 387)
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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