Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Funding Circle Holdings's annualizedNet Income for the quarter that ended in Dec. 2025 was $107.6 Mil. Funding Circle Holdings's average total tangible assets for the quarter that ended in Dec. 2025 was $605.8 Mil. Therefore, Funding Circle Holdings's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 17.77%.
The historical rank and industry rank for Funding Circle Holdings's Return-on-Tangible-Asset or its related term are showing as below:
FDCHF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -55.28 Med: -11.72 Max: 11.16
Current: 11.16
During the past 11 years, Funding Circle Holdings's highest Return-on-Tangible-Asset was 11.16%. The lowest was -55.28%. And the median was -11.72%.
FDCHF's Return-on-Tangible-Asset is ranked better than 95.04% of 544
companies
in the Credit Services industry
Industry Median: 1.93
vs FDCHF: 11.16
Funding Circle Holdings (OTCPK:FDCHF) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Funding Circle Holdings Return-on-Tangible-Asset Related Terms
Funding Circle Holdings Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Funding Circle Holdings's Return-on-Tangible-Asset can be seen below:
* 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 Return-on-Tangible-Asset Chart
FDCHF vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Funding Circle Holdings's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Funding Circle Holdings's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Funding Circle Holdings's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 17.77% mean?
Funding Circle Holdings (FDCHF) has a Return-on-Tangible-Asset of 17.77% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Funding Circle Holdings and its competitors. According to the industry distribution chart, Funding Circle Holdings ranks #27 out of 544 companies in the Credit Services industry, placing it in the top 5%.
Is Funding Circle Holdings' Return-on-Tangible-Asset too high?
Funding Circle Holdings' current Return-on-Tangible-Asset is 17.77%. The Credit Services industry median Return-on-Tangible-Asset is 1.93. Funding Circle Holdings' value of 17.77% is 820.7% above this industry median. Based on the distribution chart, Funding Circle Holdings ranks #27 out of 544 companies in the Credit Services industry, which is in the top quartile — a strong position 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' Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Funding Circle Holdings ranks #27 out of 544 companies for Return-on-Tangible-Asset. This places Funding Circle Holdings in the top 5% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.93. Funding Circle Holdings' value of 17.77% is 820.7% 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.93, based on 544 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Funding Circle Holdings's current Return-on-Tangible-Asset of 17.77% is 820.7% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Funding Circle Holdings and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Funding Circle Holdings's current Return-on-Tangible-Asset is 17.77%. 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 Return-on-Tangible-Asset of 17.77%. The stock's GF Value™ is $2.27, compared to a current price of $2.18 — trading 4% below its estimated fair value. The current Return-on-Tangible-Asset is 17.77% and 820.7% above the Credit Services industry median of 1.93. Funding Circle Holdings' overall GF Score™ is 72/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Funding Circle Holdings (FDCHF), the current Return-on-Tangible-Asset is 17.77% 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 4% below its estimated GF Value™ of $2.27.
Key valuation signals for FDCHF:
Return-on-Tangible-Asset: 17.77%
GF Value™: $2.27 vs. price of $2.18 (4% below fair value)
Industry Position: 820.7% above the Credit Services median (#27 of 544)
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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