Funding Circle Holdings (STU:FCA) ROCE %: 12.98% (As of Dec. 2025)


STU:FCA Funding Circle Holdings PLC STU:FCA
72 GF Score
Price €1.58
GF Value €1.92
! 9 Warning Signs
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What is Funding Circle Holdings ROCE %?

Funding Circle Holdings STU:FCA -1.86% 72 ROCE % is 12.98% as of Dec. 2025. GuruFocus rates STU:FCA with a GF Score™ of 72/100 and a GF Value™ of €1.92. The stock has 9 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Funding Circle Holdings's annualized ROCE % for the quarter that ended in Dec. 2025 was 12.98%.

Funding Circle Holdings  (STU:FCA) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Funding Circle Holdings ROCE % Related Terms

Funding Circle Holdings ROCE % Historical Data

* Premium members only.

The historical data trend for Funding Circle Holdings's ROCE % 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 ROCE % Chart

Funding Circle Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROCE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 20.73 -3.64 -3.46 1.62 8.70

Funding Circle Holdings Semi-Annual Data
Dec15 Dec16 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROCE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -1.86 0.41 2.91 5.54 12.98
STU:FCA
72GF Score
Funding Circle Holdings PLC STU:FCA
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Funding Circle Holdings ROCE % Calculation

Funding Circle Holdings's annualized ROCE % for the fiscal year that ended in Dec. 2025 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=23.322/( ( (432.225 - 163.111) + (612.662 - 345.716) )/ 2 )
=23.322/( (269.114+266.946)/ 2 )
=23.322/268.03
=8.70 %

Funding Circle Holdings's ROCE % of for the quarter that ended in Dec. 2025 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Dec. 2025 )  (Q: Jun. 2025 )(Q: Dec. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Dec. 2025 )  (Q: Jun. 2025 )(Q: Dec. 2025 )
=32.926/( ( (477.497 - 236.925) + (612.662 - 345.716) )/ 2 )
=32.926/( ( 240.572 + 266.946 )/ 2 )
=32.926/253.759
=12.98 %

(1) Note: The EBIT data used here is two times the semi-annual (Dec. 2025) EBIT 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of 12.98% mean?
Funding Circle Holdings (STU:FCA) has a ROCE % of 12.98% as of Dec. 2025.
Is Funding Circle Holdings' ROCE % too high?
Funding Circle Holdings' current ROCE % is 12.98%. The Credit Services industry median ROCE % is 3.39. Funding Circle Holdings' value of 12.98% is 282.9% above this industry median. 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' ROCE % compare to V and MA?
Funding Circle Holdings' ROCE % of 12.98% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. Funding Circle Holdings' value of 12.98% is 282.9% 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 ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Funding Circle Holdings's current ROCE % of 12.98% is 282.9% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Funding Circle Holdings's current ROCE % is 12.98%. 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 ROCE % of 12.98%. The stock's GF Value™ is €1.92, compared to a current price of €1.58 — trading 17.7% below its estimated fair value. The current ROCE % is 12.98% and 282.9% above the Credit Services industry median of 3.39. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Funding Circle Holdings (STU:FCA), the current ROCE % is 12.98% 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 €1.58 is trading 17.7% below its estimated GF Value™ of €1.92.

Key valuation signals for STU:FCA:

  • ROCE %: 12.98%
  • GF Value™: €1.92 vs. price of €1.58 (17.7% below fair value)
  • GF Score™: 72/100 with 9 warning signs
  • Industry Position: 282.9% above the Credit Services median

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 Business Description

Other Exchanges FCHl:UKFCH: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.
72GF Score

Get the complete analysis for STU:FCA

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

€1.58
Price
€1.92
GF Value