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Funding Circle Holdings plc
FCH.LFinancial ServicesLSEGB
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | £222.50M | 20.7% | £46.06M | -£34.49M | N/A |
| 2027 | £242.97M | 20.7% | £50.29M | -£37.66M | -£34.24M |
| 2028 | £265.32M | 20.7% | £54.92M | -£41.13M | -£33.99M |
| 2029 | £289.73M | 20.7% | £59.97M | -£44.91M | -£33.74M |
| 2030 | £316.39M | 20.7% | £65.49M | -£49.04M | -£33.50M |
| 2031 | £345.50M | 20.7% | £71.52M | -£53.55M | -£33.25M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | £0.14 | 2025-12-31 |
| EPS growth | +60.0% | Forecast years: 5 |
| Future EPS | £1.468 | EPS × (1 + G)^5 |
| Base P/E | 8.6 | P/E |
| Future price | £12.625 | Future EPS × P/E |
| Fair value today | £7.839 | PV @ 10.0% |
| 30% safety price | £5.487 | Margin of safety |
| 50% safety price | £3.92 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -£163.223 | -£190.19 | -£226.964 |
| 10.0% | -£135.97 | -£155.852 | -£181.852 |
| 11.0% | -£114.486 | -£129.625 | -£148.80 |