208.00p
+3.74%
Close of 9 Nov 2026, in pence
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About Funding Circle Holdings
Its shares trade on LSE under the ticker FCH.L. It has been listed since 28 September 2018. In the fiscal year to 31 December 2025, it reported revenue before interest expense of £222.5m and net income of £46.0m. At that date it held total assets of £535.9m and shareholders' equity of £228.4m.
Funding Circle Holdings Ltd. engages in the provision of online lending platforms whereby investors can lend money to small and medium sized businesses in the UK, USA, Germany, and Netherlands. The firm provides an online marketplace that allows entrepreneurs to access funding from investors and also allows them to borrow business loans for small and medium sized enterprises. The Company’s online market place provides both secured and unsecured loans to operate businesses, get working capital, to buy assets and to develop business properties. Its marketplace offers business loans for a tenure ranging from six months to five years. The firm provides its services through its subsidiary Funding Circle Limited.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 28 Sept 2018
- Employees
- 1,055
- Website
- corporate.fundingcircle.com ↗
Leadership
Pay as last reported
- Mr. Ken StannardIndependent Non-Executive Chairman of the Board
- Ms. Lisa JacobsChief Executive Officer, Executive Director, since 2022£1.4m
- Mr. Tony NicolChief Financial Officer
- Ms. Lucy VernallCompany Secretary, Chief Legal Officer
- Mr. Hendrik NelisNon-Executive Director
- Mr. Neil RimerNon-Executive Director
- Ms. Helen BeckSenior Non-Executive Independent Director£70,000
- Ms. Maeve ByrneNon-Executive Independent Director
- Mr. Richard HarveyNon-Executive Independent Director
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 52
- Environment
- 21
- Social
- 56
- Governance
- 77
- Direct emissions (scope 1)
- 108 t
- Energy emissions (scope 2)
- 265 t
- Value chain emissions (scope 3)
- 231,053 t
- Women in the workforce
- 42%
- Carbon reduction policy
- No
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Funding Circle Holdings PLC has established itself as a leading player in the peer-to-peer lending market. Its strong market presence allows it to attract both borrowers and lenders, creating a robust platform for business financing.
- The company has developed sophisticated technology infrastructure that enables efficient loan origination, risk assessment, and underwriting processes. This ensures a streamlined user experience and faster access to funds for borrowers.
Weaknesses
- Funding Circle Holdings PLC's performance is closely tied to the overall health of the economy. During economic downturns, there may be a decrease in loan demand and an increase in default rates, which could impact the company's profitability.
- The peer-to-peer lending industry is subject to evolving regulations, and changes in regulatory frameworks could affect Funding Circle's operations. Compliance with regulations and licensing requirements may add complexity and costs to the business.
Opportunities
- Funding Circle has the potential to expand its operations into new geographical markets, capturing untapped opportunities for business financing. This can further diversify its loan portfolio and increase its customer base.
- The increasing number of SMEs seeking alternative funding options presents a significant growth opportunity for Funding Circle. By offering tailored financing solutions for this market segment, the company can attract a larger pool of borrowers.
Threats
- Traditional banks and financial institutions are entering the peer-to-peer lending space, posing a competitive threat to Funding Circle. Established players may have greater access to capital and resources, potentially affecting the company's market share.
- The possibility of borrowers defaulting on their loan repayments is an inherent risk in the lending industry. Funding Circle needs to effectively manage its risk assessment and underwriting processes to minimize the impact of loan defaults on its profitability.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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