Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Funding Circle Holdings's 3-Year RORE % for the quarter that ended in Dec. 2025 was 339.13%.
The industry rank for Funding Circle Holdings's 3-Year RORE % or its related term are showing as below:
FDCHF's 3-Year RORE % is ranked better than 97.49% of 518
companies
in the Credit Services industry
Industry Median: 8.58
vs FDCHF: 339.13
Funding Circle Holdings (OTCPK:FDCHF) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Funding Circle Holdings 3-Year RORE % Related Terms
Funding Circle Holdings 3-Year RORE % 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 RORE %, along with its competitors' market caps and 3-Year RORE % 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 RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Funding Circle Holdings's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Funding Circle Holdings's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.
Funding Circle Holdings (FDCHF) has a 3-Year RORE % of 339.13 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Funding Circle Holdings and its competitors. According to the industry distribution chart, Funding Circle Holdings ranks #13 out of 518 companies in the Credit Services industry, placing it in the top 2.5%.
Is Funding Circle Holdings' 3-Year RORE % too high?
Funding Circle Holdings' current 3-Year RORE % is 339.13. The Credit Services industry median 3-Year RORE % is 8.58. Funding Circle Holdings' value of 339.13 is 3852.6% above this industry median. Based on the distribution chart, Funding Circle Holdings ranks #13 out of 518 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' 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Funding Circle Holdings ranks #13 out of 518 companies for 3-Year RORE %. This places Funding Circle Holdings in the top 3% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 8.58. Funding Circle Holdings' value of 339.13 is 3852.6% 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 RORE % for a Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.58, based on 518 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Funding Circle Holdings's current 3-Year RORE % of 339.13 is 3852.6% 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 RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Funding Circle Holdings and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Funding Circle Holdings's current 3-Year RORE % is 339.13. 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 RORE % of 339.13. The stock's GF Value™ is $2.35, compared to a current price of $2.18 — trading 7.2% below its estimated fair value. The current 3-Year RORE % is 339.13 and 3852.6% above the Credit Services industry median of 8.58. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Funding Circle Holdings (FDCHF), the current 3-Year RORE % is 339.13 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 7.2% below its estimated GF Value™ of $2.35.
Key valuation signals for FDCHF:
3-Year RORE %: 339.13
GF Value™: $2.35 vs. price of $2.18 (7.2% below fair value)
Industry Position: 3852.6% above the Credit Services median (#13 of 518)
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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