Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.
Funding Circle Holdings's operating assets for the quarter that ended in Dec. 2025 was $513.4 Mil. Funding Circle Holdings's operating liabilities for the quarter that ended in Dec. 2025 was $45.4 Mil. Funding Circle Holdings's Total Assets for the quarter that ended in Jun. 2025 was $550.7 Mil. Therefore, Funding Circle Holdings's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.85.
Funding Circle Holdings Scaled Net Operating Assets Related Terms
Funding Circle Holdings Scaled Net Operating Assets Historical Data
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The historical data trend for Funding Circle Holdings's Scaled Net Operating Assets 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 Scaled Net Operating Assets Chart
FDCHF vs V, MA, AXP: Scaled Net Operating Assets Comparison
For the Credit Services subindustry, Funding Circle Holdings's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets 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 Scaled Net Operating Assets vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Funding Circle Holdings's Scaled Net Operating Assets distribution charts can be found below:
* The bar in red indicates where Funding Circle Holdings's Scaled Net Operating Assets 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.
What does a Scaled Net Operating Assets of 0.85 mean?
Funding Circle Holdings (FDCHF) has a Scaled Net Operating Assets of 0.85 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Funding Circle Holdings and its competitors.
Is Funding Circle Holdings' Scaled Net Operating Assets too high?
Funding Circle Holdings' current Scaled Net Operating Assets is 0.85. 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' Scaled Net Operating Assets compare to V and MA?
Funding Circle Holdings' Scaled Net Operating Assets of 0.85 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Funding Circle Holdings and its competitors. Funding Circle Holdings's current Scaled Net Operating Assets is 0.85. 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 Scaled Net Operating Assets of 0.85. The stock's GF Value™ is $2.61, compared to a current price of $2.18 — trading 16.5% below its estimated fair value. The current Scaled Net Operating Assets is 0.85. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Funding Circle Holdings (FDCHF), the current Scaled Net Operating Assets is 0.85 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 16.5% below its estimated GF Value™ of $2.61.
Key valuation signals for FDCHF:
Scaled Net Operating Assets: 0.85
GF Value™: $2.61 vs. price of $2.18 (16.5% below fair value)
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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