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Funding Circle HoldingsFDCHF -7.81%72 3-Year Share Buyback Ratio is 5.20 as of Dec. 2025, which is 1980% above its 10-year median of 0.25. GuruFocus rates FDCHF with a GF Score™ of 72/100 and a GF Value™ of $2.27 (Modestly Overvalued). The stock has 12 warning signs investors should review. Among 281 Credit Services companies, Funding Circle Holdings ranks better than 95.02% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Funding Circle Holdings's current 3-Year Share Buyback Ratio was 5.20%.
The historical rank and industry rank for Funding Circle Holdings's 3-Year Share Buyback Ratio or its related term are showing as below:
FDCHF'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -1.1 Med: 0.25 Max: 5.2
Current: 5.2
During the past 11 years, Funding Circle Holdings's highest 3-Year Share Buyback Ratio was 5.20%. The lowest was -1.10%. And the median was 0.25%.
FDCHF's 3-Year Share Buyback Ratio is ranked better than 95.02% of 281
companies
in the Credit Services industry
Industry Median: -3.1
vs FDCHF: 5.20
Funding Circle Holdings (OTCPK:FDCHF) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Funding Circle Holdings 3-Year Share Buyback Ratio Related Terms
FDCHF vs V, MA, AXP: 3-Year Share Buyback Ratio Comparison
For the Credit Services subindustry, Funding Circle Holdings's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio 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 Share Buyback Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Funding Circle Holdings's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Funding Circle Holdings's 3-Year Share Buyback Ratio falls into.
Funding Circle Holdings 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 5.20 mean?
Funding Circle Holdings (FDCHF) has a 3-Year Share Buyback Ratio of 5.20 as of Dec. 2025. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Funding Circle Holdings and its competitors. This is 1980% above median its historical median of 0.25. According to the industry distribution chart, Funding Circle Holdings ranks #14 out of 281 companies in the Credit Services industry, placing it in the top 5%.
Is Funding Circle Holdings' 3-Year Share Buyback Ratio too high?
Funding Circle Holdings' current 3-Year Share Buyback Ratio of 5.20 is 1980% above median its 10-year median of 0.25. Based on the distribution chart, Funding Circle Holdings ranks #14 out of 281 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 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Funding Circle Holdings' 3-Year Share Buyback Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Funding Circle Holdings ranks #14 out of 281 companies for 3-Year Share Buyback Ratio. This places Funding Circle Holdings in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Credit Services company?
A good 3-Year Share Buyback Ratio depends on the Credit Services industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Funding Circle Holdings and its competitors. Funding Circle Holdings's current 3-Year Share Buyback Ratio is 5.20, which is 1980% above median its own 10-year median of 0.25. 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?
Based on GuruFocus' analysis, Funding Circle Holdings (FDCHF) is currently considered Modestly Overvalued. The stock's GF Value™ is $2.27, compared to a current price of $2.95 — trading 30% above its estimated fair value. The current 3-Year Share Buyback Ratio is 5.20, which is 1980% above median its 10-year median of 0.25. Funding Circle Holdings' overall GF Score™ is 72/100 with 12 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Funding Circle Holdings (FDCHF), the current 3-Year Share Buyback Ratio is 5.20 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 overvalued.
The current stock price of $2.95 is trading 30% above its estimated GF Value™ of $2.27.
GuruFocus considers Funding Circle Holdings to be Modestly Overvalued.
Key valuation signals for FDCHF:
3-Year Share Buyback Ratio: 5.20 (1980% above median its 10-year median of 0.25)
GF Value™: $2.27 vs. price of $2.95 (30% above 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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3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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