The historical rank and industry rank for Funding Circle Holdings's Net Margin % or its related term are showing as below:
STU:FCA'
s Net Margin % Range Over the Past 10 Years
Min: -91.55 Med: -32.21 Max: 27.92
Current: 20.67
STU:FCA's Net Margin % is ranked better than 61.61% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs STU:FCA: 20.67
Funding Circle Holdings (STU:FCA) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Funding Circle Holdings Net Margin % Related Terms
Funding Circle Holdings Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Funding Circle Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where Funding Circle Holdings's Net 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 (STU:FCA) has a Net Margin % of 31.46% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Funding Circle Holdings and its competitors. According to the industry distribution chart, Funding Circle Holdings ranks #205 out of 534 companies in the Credit Services industry, placing it in the top 38.4%.
Is Funding Circle Holdings' Net Margin % too high?
Funding Circle Holdings' current Net Margin % is 31.46%. The Credit Services industry median Net Margin % is 14.52. Funding Circle Holdings' value of 31.46% is 116.7% above this industry median. Based on the distribution chart, Funding Circle Holdings ranks #205 out of 534 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' Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Funding Circle Holdings ranks #205 out of 534 companies for Net Margin %. This puts Funding Circle Holdings in the upper half of its industry. The industry median Net Margin % is 14.52. Funding Circle Holdings' value of 31.46% is 116.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Funding Circle Holdings's current Net Margin % of 31.46% is 116.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Funding Circle Holdings and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Funding Circle Holdings's current Net Margin % is 31.46%. 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 (STU:FCA) has a current Net Margin % of 31.46%. The stock's GF Value™ is €1.92, compared to a current price of €1.61 — trading 16.1% below its estimated fair value. The current Net Margin % is 31.46% and 116.7% above the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Funding Circle Holdings (STU:FCA), the current Net Margin % is 31.46% 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 (STU:FCA) Overvalued in 2026?
Based on GuruFocus' analysis, Funding Circle Holdings stock appears to be undervalued.
The current stock price of €1.61 is trading 16.1% below its estimated GF Value™ of €1.92.
Key valuation signals for STU:FCA:
Net Margin %: 31.46%
GF Value™: €1.92 vs. price of €1.61 (16.1% below fair value)
Industry Position: 116.7% above the Credit Services median (#205 of 534)
No single metric tells the full story. See the STU:FCA 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 STU:FCA
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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