FCH - Ticker AI Digest

Funding Circle Holdings PLC 📰 1
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Funding Circle Holdings PLC in one cleaner mobile flow.
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FCH Data 2026-02-02 Preview Mode
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Today's Catalysts (FCH) 1
FCH 16:22
Funding Circle Holdings PLC
POS-Transaction in Own Shares
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TR1 1
FCH 16:31
Funding Circle Holdings PLC
HOL-Holdings in Company
AI Expand: Explanation + Tables
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TR1 Buy
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Updates 1
FCH 06:01
Funding Circle Holdings PLC
Full Year 2025 Trading Update
AI Expand: Explanation + Tables
Return to today’s catalyst cards, chart beacons and AI charts.
**Summary**
Funding Circle Holdings plc (FCH) released its Full Year 2025 Trading Update on January 20, 2026, announcing strong financial performance ahead of market expectations. Key highlights include
1. **Financial Performance**
Revenue of £204 million, up 28% year-on-year, surpassing the FY 2026 guidance a year early.
Profit before tax of £20 million, significantly higher than the £3 million in FY 2024 and ahead of market expectations of £17 million.
Credit extended increased by 29% to £2.5 billion, with balances under management rising to £3.0 billion.
2. **Business Drivers**
Strong demand despite macroeconomic challenges.
Product innovation expanded customer segments and use cases.
Term Loans business grew originations to £1.6 billion, with stable loans under management at £2.8 billion.
FlexiPay and Cashback credit card transactions surged to £815 million, with balances under management reaching £206 million.
3. **Strategic Transformation**
Success attributed to the 2024 strategic shift focusing on profitable, multi-product UK growth.
Proprietary AI-powered credit models and technology enhanced customer engagement and efficiency.
4. **Capital Return**
Ongoing £25 million share buyback program, with 16.5% of issued share capital repurchased to date.
5. **Future Outlook**
Updated FY 2026 guidance to be provided on March 5, 2026, following the early achievement of revenue targets.
CEO Lisa Jacobs emphasized continued growth, increased customer engagement, and expanded financing solutions for SMEs.
Funding Circle remains the UK’s leading SME finance platform, having extended over £17 billion in credit to 125,000 businesses since 2010, leveraging its capital-light model and innovative technology.
Below is the HTML table code comparing the financials and debt (balances under management) year-on-year for Funding Circle Holdings plc based on the provided text:
MetricFY 2024FY 2025Year-on-Year Change
Revenue (£ million)£159£204+28%
Profit Before Tax (£ million)£3£20+567%
Credit Extended (£ billion)£1.9£2.5+29%
Balances Under Management (£ billion)£2.8£3.0+7%
Term Loans Originations (£ billion)£1.4£1.6+14%
Term Loans Under Management (£ billion)£2.7£2.8+4%
FlexiPay & Cashback Transactions (£ million)£491£815+66%
FlexiPay & Cashback Balances Under Management (£ million)£119£206+73%
### Explanation: - **Metrics**: Key financial and operational metrics are compared between FY 2024 and FY 2025. - **Year-on-Year Change**: Calculated as a percentage increase from FY 2024 to FY 2025. - **Notes**: Debt is represented by "Balances Under Management" as it reflects the total amount managed by the company, which includes both loans and other credit facilities. This table provides a clear comparison of the company's performance and growth between the two years.
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All Market News (Last 30 Days) 17
FCH 16:22
Funding Circle Holdings PLC
POS-Transaction in Own Shares
FCH 16:31
Funding Circle Holdings PLC
HOL-Holdings in Company
AI Expand: Explanation + Tables
Return to today’s catalyst cards, chart beacons and AI charts.
TR1 Buy
FCH 16:24
Funding Circle Holdings PLC
TVR-Total Voting Rights
FCH 16:18
Funding Circle Holdings PLC
POS-Transaction in Own Shares
FCH 16:28
Funding Circle Holdings PLC
POS-Transaction in Own Shares
FCH 17:01
Funding Circle Holdings PLC
POS-Transaction in Own Shares
FCH 06:01
Funding Circle Holdings PLC
Full Year 2025 Trading Update
AI Expand: Explanation + Tables
Return to today’s catalyst cards, chart beacons and AI charts.
**Summary**
Funding Circle Holdings plc (FCH) released its Full Year 2025 Trading Update on January 20, 2026, announcing strong financial performance ahead of market expectations. Key highlights include
1. **Financial Performance**
Revenue of £204 million, up 28% year-on-year, surpassing the FY 2026 guidance a year early.
Profit before tax of £20 million, significantly higher than the £3 million in FY 2024 and ahead of market expectations of £17 million.
Credit extended increased by 29% to £2.5 billion, with balances under management rising to £3.0 billion.
2. **Business Drivers**
Strong demand despite macroeconomic challenges.
Product innovation expanded customer segments and use cases.
Term Loans business grew originations to £1.6 billion, with stable loans under management at £2.8 billion.
FlexiPay and Cashback credit card transactions surged to £815 million, with balances under management reaching £206 million.
3. **Strategic Transformation**
Success attributed to the 2024 strategic shift focusing on profitable, multi-product UK growth.
Proprietary AI-powered credit models and technology enhanced customer engagement and efficiency.
4. **Capital Return**
Ongoing £25 million share buyback program, with 16.5% of issued share capital repurchased to date.
5. **Future Outlook**
Updated FY 2026 guidance to be provided on March 5, 2026, following the early achievement of revenue targets.
CEO Lisa Jacobs emphasized continued growth, increased customer engagement, and expanded financing solutions for SMEs.
Funding Circle remains the UK’s leading SME finance platform, having extended over £17 billion in credit to 125,000 businesses since 2010, leveraging its capital-light model and innovative technology.
Below is the HTML table code comparing the financials and debt (balances under management) year-on-year for Funding Circle Holdings plc based on the provided text:
MetricFY 2024FY 2025Year-on-Year Change
Revenue (£ million)£159£204+28%
Profit Before Tax (£ million)£3£20+567%
Credit Extended (£ billion)£1.9£2.5+29%
Balances Under Management (£ billion)£2.8£3.0+7%
Term Loans Originations (£ billion)£1.4£1.6+14%
Term Loans Under Management (£ billion)£2.7£2.8+4%
FlexiPay & Cashback Transactions (£ million)£491£815+66%
FlexiPay & Cashback Balances Under Management (£ million)£119£206+73%
### Explanation: - **Metrics**: Key financial and operational metrics are compared between FY 2024 and FY 2025. - **Year-on-Year Change**: Calculated as a percentage increase from FY 2024 to FY 2025. - **Notes**: Debt is represented by "Balances Under Management" as it reflects the total amount managed by the company, which includes both loans and other credit facilities. This table provides a clear comparison of the company's performance and growth between the two years.
FCH 16:11
Funding Circle Holdings PLC
POS-Transaction in Own Shares
FCH 16:22
Funding Circle Holdings PLC
POS-Transaction in Own Shares
FCH 16:39
Funding Circle Holdings PLC
POS-Transaction in Own Shares
FCH 16:27
Funding Circle Holdings PLC
POS-Transaction in Own Shares
FCH 16:58
Funding Circle Holdings PLC
POS-Transaction in Own Shares
FCH 16:16
Funding Circle Holdings PLC
POS-Transaction in Own Shares
FCH 15:57
Funding Circle Holdings PLC
POS-Transaction in Own Shares
FCH 16:53
Funding Circle Holdings PLC
POS-Transaction in Own Shares
FCH 16:52
Funding Circle Holdings PLC
POS-Transaction in Own Shares
FCH 15:54
Funding Circle Holdings PLC
POS-Transaction in Own Shares

Today's AI

Today's AI Starts With News

1 live catalyst is opening Today’s AI for FCH.

Start with the live headline tape first. Today’s AI findings sit next, and the AI Blend stack drops lower once the news context is framed. Financial Forecastist now feeds the blend too.
Live Tape Data 2026-02-02 Blend Lower Down
Read the alert tape first, then open Today’s AI findings. Use AI Expand on any card to open the AI explanation, results tables and financial forecast rows instantly.
1 Today
Front Of Desk
Funding Circle Holdings PLC has fresh news flow live now, so Today’s AI is leading with the tape before the blended signal stack below.
16:22 Today's Catalyst POS-Transaction in Own Shares
Single-Ticker Today's AI
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Subscription Required Bullish vs Bearish Scoring AI + Financial Blend Buy / Sell Trigger Engine Today's AI Findings
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Fundamentals Matrix

Overall Fundamentals
Signal: Pending
Capital Strength
Signal: Pending
Float Liquidity
Signal: Pending
Short Pressure
Signal: Pending
Target Setup
Signal: Pending
Market Profile
Signal: Pending
Market Cap
445.1M
Enterprise Value
104.1M
Public Float
49.1
Broker Target
218.6
Shares Out
285.6M
Long Interest
89
Short Interest
11
Exchange
LSE
Currency Code
GBX
ISIN
GB00BG0TPX62
Market
LSE - MAIN MARKET
Sector
Software and Computer Services
Float / Shares Ratio
-
Short vs Long Delta
-
EV / Market Cap
-

Financials Matrix

News And Alerts First

1 live alert now opens the financials desk for FCH.

Start with the headline flow and alert tape first. Then drop straight into Financial Forecastist below for the revenue path, EPS shape, cash pressure and balance-sheet read while the catalyst context is still hot.
Live Alerts Data 2026-02-02 Forecastist Below
Read the alert tape first, then move into Financial Forecastist below. Use AI Expand on any catalyst card to open the AI explanation and results tables without losing the ticker context.
1 Alerts
Front Of Desk
Funding Circle Holdings PLC has fresh filing flow live now, so the tape is framing the revenue, leverage and valuation story below.
16:22 Today's Alert POS-Transaction in Own Shares
Overall Stability
Signal: Pending
Profitability
Signal: Pending
Debt & Cash
Signal: Pending
Valuation Risk
Signal: Pending
Forward Expectation
Signal: Pending
Dividend Safety
Signal: Pending
Divi Rate
-
Ex Divi
2009-01-01
Earnings Date
-
Net Debt
121.2M
Cash
152.4M
EPS
0.14
Net Income
46.0M
Revenue
222.5M
Enterprise Value
104.1M
Trailing PE
11.0857
Forward PE
16.8067
Price Sales TTM
2.1785
Price Book MRQ
1.9805
EV Revenue
2.5778
EV EBITDA
18.2659
Financial Forecastist

Improving financial engine

Revenue is accelerating +223.1% against the prior comparable period. Net margin is expanding by 47.3 pts. Net debt is coming down +201.3%.

Revenue +223.1% Net Income -743.2% FCF -101.1% Current Ratio 1.70x Forward Rev 0
Improving
Quarter Revenue
127.8M
+223.1%
vs prior comparable quarter
Net Margin
+31.5%
+47.3 pts
profitability pulse
Free Cash Flow
300.0K
-101.1%
cash conversion
Net Debt / EBITDA
8.5x
-201.3%
lower is cleaner
Revenue Engine

Latest quarter printed 127.8M with the top line pushing higher against the last comparable period.

Profit Stack

Net income landed at 40.2M and the margin profile is broadening. That usually tells us whether operating leverage is finally kicking in.

Balance-Sheet Pressure

Cash sits near 152.4M while net debt is 121.2M. The leverage stack is cleaning up.

Quarterly Revenue Runway

Actual revenue bars, consensus revenue where available, plus the terminal model path.

Profit And Cash Conversion

Net income and free cash flow moving together is usually what separates genuine improvement from noise.

Balance-Sheet Pressure

Cash, net debt and liquidity tell us whether the business is strengthening or just surviving.

Annual Power Curve

Longer-cycle revenue and net income help frame whether the company is compounding or rolling over.
Q3 2023
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q1 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q2 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q3 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
FY 2026
Consensus
234.3M
Revenue Path
0.09
EPS / Earnings
Growth cue +0.5%
FY 2027
Consensus
263.5M
Revenue Path
0.14
EPS / Earnings
Growth cue +0.5%

Quarterly Statement Tape

Last 6 Quarters
Period Revenue Net Income FCF Net Debt
Q4 2025 127.8M 40.2M 300.0K 121.2M
Q2 2025 92.3M 5.8M -34.7M 29.2M
Q4 2024 81.0M 21.1M -15.7M -78.1M
Q2 2024 79.1M -12.5M -54.6M -111.7M
Q1 2024 39.5M -6.2M -27.3M -119.7M
Q4 2023 70.4M -20.2M -19.9M -151.9M

Annual Financial Power

Last 5 Years
Period Revenue Net Income EBITDA FCF
FY 2025 222.5M 46.0M 20.3M -34.4M
FY 2024 160.1M 8.6M 5.4M -70.3M
FY 2023 129.7M -38.3M -10.3M -37.7M
FY 2022 155.7M -6.9M 4.1M -24.3M
FY 2021 219.2M 61.2M 82.0M 90.7M

Structure DNA

Market Structure DNA

Institutional Trend Leader profile with trend runway open

Price is 73.4% through the 52-week range, +10.1% vs 50DMA and +16.1% vs 200DMA. 87.4% of the register is locked by institutions and insiders, leaving 12.6% free float. Capital rhythm reads no cadence with forward yield near 0.0% and payout around 0.0%.

Trend runway open Institutional gravity Moderate income rhythm As Of 2026-04-19
Institutional Trend Leader
Structure Score
68.1 / 100
Institutional Trend Leader
Trend Stack
+10.1% / +16.1%
vs 50DMA / 200DMA
52W Position
73.4%
auction position inside the yearly range
Ownership Lock
87.4%
62.5% institutions | 24.9% insiders
Pressure Pocket
12.6% free float
Vendor short-float fields were not supplied
Capital Rhythm
No cadence
Yield 0.0% | payout 0.0%
Trend Runway

Implied spot is 156.06 with the stock +10.1% vs 50DMA and +16.1% vs 200DMA. The tape is sitting 73.4% through the 52-week range, which frames the regime as trend runway open.

Ownership Register

Institutions hold about 62.5% and insiders about 24.9%, locking roughly 87.4% of the register and leaving 12.6% in free float. That reads as institutional gravity.

Pressure Pocket

The API did not return a usable short-float field for this ticker, so the pressure score leans more on float lock and crowding than a full short ledger.

Capital Rhythm

Dividend cadence reads no cadence with - event(s) in the last full year, a five-year average of -, and stability score 0.0/100. Forward yield sits near 0.0% while payout is around 0.0%.

Structure Score

One-glance gauge for the current market-structure regime.

Pillar Radar

Trend, ownership, pressure, and capital rhythm mapped on one wheel.

Position And Float Balance

Shows whether the stock is extended, tightly held, or carrying capital-return support.

Dividend Cadence Tape

Historical dividend-event counts help reveal how dependable the income rhythm has been.

Dividend Cadence Ledger

No cadence
Year Dividend Count Context
Dividend history has not been normalized yet.

Structure Facts

Live Snapshot
Implied Spot
156.06
derived from market cap / shares
52W High
176.80
upper auction edge
52W Low
98.90
lower auction edge
Beta
0.69
volatility character
Shares Out
286.8M
fully diluted count
Shares Float
140.2M
tradable register
Shares Short
0
borrowed stock
Short Ratio
0.0x
days-to-cover style read
Ex-Dividend
-
next ex-date not supplied
Dividend Pay
-
payment date not supplied
Last Split
-
split date not supplied

Capital Radar

Capital Regime
—
Building signal blend...
Smart Money Tilt
—
Public vs institutions
Target Conviction
—
Broker coverage pulse
Insider Pressure
—
Director + TR1 flow
Last Held Position
-
Public Hands
-
Institutions
2.6985
Institutions As Of
2026-03-13
Avg Broker Target
-
Upside Vs Price
-
Purchase Director Dealing
1
Sale Director Dealing
0
Purchase TR1
0
Sale TR1
2
Broker Coverage Rows
1
Institution Holders Tracked
2
Public Vs Institutional Ownership (3D)
Top Institution Holders (Latest Per Holder)
Director Dealing Sentiment Flow
Broker Target Bias
Signal: Pending
Capital Momentum Matrix
Broker Targets Vs Price
Aggregated Institution Weight By Holder

Short Data - Last 30 Days

Nexus Pulse Engine

Overall Buy/Sell/Hold
Signal: Pending
Technical Composite
Signal: Pending
Financial Composite
Signal: Pending
Fundamental Composite
Signal: Pending
Short Pressure
Signal: Pending
Momentum Bias
Signal: Pending

Volatility Lab

ATR(14)
Realized Vol (20d)
Volume Spike Z

AI Charts

News And Alerts First

The alert tape opens the door for FCH, and AI Charts sits just below.

Start with the headline flow and live catalyst tape first. Then move straight into AI Charts below for price reaction, AI targets, chart structure and catalyst beacons while the news context is still hot.
Live Tape Data 2026-02-02 AI Charts Below
Read the alert tape first, then move into AI Charts below. Use AI Expand on any catalyst card to open the AI explanation and results tables instantly.
1 Today
Catalyst Pulse
Funding Circle Holdings PLC has fresh news flow live now, so the tape is framing the chart workspace below.
16:22 Today's Catalyst POS-Transaction in Own Shares
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FCH Price History
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30 Day View Window 30D Data 2026-02-02 Open Preview Studio Brief
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Automated signalling scans momentum shifts, crossovers and volatility breaks in real time. Automated AI forecasts map best, average and worst simulation paths forward, predictive MACD extends the momentum story, and catalyst beacons pin market-moving headlines directly onto price action so users can connect news, signals and structure without leaving the chart.

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Indicators0
Technicals0
AI Forecast 0.07%
RSI Gauge
Price Change
AI Forecast