3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Funding Circle Holdings's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 15.15%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Funding Circle Holdings's 3-Year ROIIC % or its related term are showing as below:
FDCHF's 3-Year ROIIC % is ranked better than 80.15% of 393
companies
in the Credit Services industry
Industry Median: 2.85
vs FDCHF: 15.15
Funding Circle Holdings (OTCPK:FDCHF) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Funding Circle Holdings 3-Year ROIIC % Related Terms
Funding Circle Holdings 3-Year ROIIC % 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 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Funding Circle Holdings's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Funding Circle Holdings's 3-Year ROIIC % falls into.
Funding Circle Holdings 3-Year ROIIC % Calculation
Funding Circle Holdings's 3-Year ROIIC % for the quarter that ended in Dec. 2025 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 27.309 (Dec. 2025) - -8.4048837 (Dec. 2022) )
/
( 494.378 (Dec. 2025) - 230.329 (Dec. 2022) )
=
35.7138837
/
264.049
=
13.53%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Funding Circle Holdings (FDCHF) has a 3-Year ROIIC % of 15.15 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Funding Circle Holdings and its competitors. According to the industry distribution chart, Funding Circle Holdings ranks #78 out of 393 companies in the Credit Services industry, placing it in the top 19.8%.
Is Funding Circle Holdings' 3-Year ROIIC % too high?
Funding Circle Holdings' current 3-Year ROIIC % is 15.15. The Credit Services industry median 3-Year ROIIC % is 2.85. Funding Circle Holdings' value of 15.15 is 431.6% above this industry median. Based on the distribution chart, Funding Circle Holdings ranks #78 out of 393 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 73/100, reflecting its overall financial health beyond just this single metric.
How does Funding Circle Holdings' 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Funding Circle Holdings ranks #78 out of 393 companies for 3-Year ROIIC %. This places Funding Circle Holdings in the top 20% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 2.85. Funding Circle Holdings' value of 15.15 is 431.6% 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.85, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Funding Circle Holdings's current 3-Year ROIIC % of 15.15 is 431.6% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Funding Circle Holdings and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Funding Circle Holdings's current 3-Year ROIIC % is 15.15. 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 3-Year ROIIC % of 15.15. The stock's GF Value™ is $2.24, compared to a current price of $2.18 — trading 2.7% below its estimated fair value. The current 3-Year ROIIC % is 15.15 and 431.6% above the Credit Services industry median of 2.85. Funding Circle Holdings' overall GF Score™ is 73/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Funding Circle Holdings (FDCHF), the current 3-Year ROIIC % is 15.15 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 2.7% below its estimated GF Value™ of $2.24.
Key valuation signals for FDCHF:
3-Year ROIIC %: 15.15
GF Value™: $2.24 vs. price of $2.18 (2.7% below fair value)
Industry Position: 431.6% above the Credit Services median (#78 of 393)
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.
73GF Score
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