Funding Circle Holdings (CHIX:FCHL) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CHIX:FCHL Funding Circle Holdings PLC CHIX:FCHL
69 GF Score
Price £2.29
GF Value £1.82
Valuation Modestly Overvalued
! 12 Warning Signs
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What is Funding Circle Holdings Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Funding Circle Holdings Quality Rank Related Terms

CHIX:FCHL
69GF Score
Funding Circle Holdings PLC CHIX:FCHL
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Funding Circle Holdings (CHIX:FCHL) Overvalued in 2026?

Based on GuruFocus' analysis, Funding Circle Holdings stock appears to be overvalued. The current stock price of £2.29 is trading 25.5% above its estimated GF Value™ of £1.82. GuruFocus considers Funding Circle Holdings to be Modestly Overvalued.

Key valuation signals for CHIX:FCHL:

  • Quality Rank:
  • GF Value™: £1.82 vs. price of £2.29 (25.5% above fair value)
  • GF Score™: 69/100 with 12 warning signs

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 Business Description

Other Exchanges FCH:UK
Address 71 Queen Victoria Street, London, GBR, EC4V 4AY
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.
69GF Score

Get the complete analysis for CHIX:FCHL

Quality Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£2.29
Price
£1.82
GF Value