Funding Circle Holdings PLC (FCH) - Net Assets

Latest as of December 2025: GBX228.40 Million GBX

Based on the latest financial reports, Funding Circle Holdings PLC (FCH) has net assets worth GBX228.40 Million GBX as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (GBX535.90 Million) and total liabilities (GBX307.50 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.

Key Net Assets Metrics

Metric	Value
Current Net Assets	GBX228.40 Million
% of Total Assets	42.62%
Annual Growth Rate	60.33%
5-Year Change	-20.69%
10-Year Change	119.19%
Growth Volatility	211.69

Funding Circle Holdings PLC - Net Assets Trend (2010–2025)

This chart illustrates how Funding Circle Holdings PLC's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.

Annual Net Assets for Funding Circle Holdings PLC (2010–2025)

The table below shows the annual net assets of Funding Circle Holdings PLC from 2010 to 2025.

Year	Net Assets	Change
2025-12-31	GBX228.40 Million	+5.50%
2024-12-31	GBX216.50 Million	-12.28%
2023-12-31	GBX246.80 Million	-13.10%
2022-12-31	GBX284.00 Million	-1.39%
2021-12-31	GBX288.00 Million	+32.35%
2020-12-31	GBX217.60 Million	-31.79%
2019-12-31	GBX319.00 Million	-20.73%
2018-12-31	GBX402.40 Million	+162.32%
2017-12-31	GBX153.40 Million	+47.22%
2016-12-31	GBX104.20 Million	-21.77%
2015-12-31	GBX133.20 Million	+183.76%
2014-12-31	GBX46.94 Million	+69.53%
2013-12-31	GBX27.69 Million	+463.23%
2012-12-31	GBX4.92 Million	+622.99%
2011-12-31	GBX-940.00K	-589.58%
2010-12-31	GBX192.00K	--

Equity Component Analysis

This analysis shows how different components contribute to Funding Circle Holdings PLC's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have grown by 20120000000.0% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Retained Earnings	GBX201.20 Million	88.09%
Common Stock	GBX300.00K	0.13%
Other Comprehensive Income	GBX26.40 Million	11.56%
Other Components	GBX500.00K	0.22%
Total Equity	GBX228.40 Million	100.00%

Funding Circle Holdings PLC Competitors by Market Cap

The table below lists competitors of Funding Circle Holdings PLC ranked by their market capitalization.

Company	Market Cap
BIORESTORAT.THERAP.DL-01 F:9OF	$5.45 Million
Softcen Co. Ltd KQ:032680	$5.45 Million
D.T.C. Industries Public Company Limited BK:DTCI	$5.45 Million
Ibstock PLC LSE:IBST	$5.46 Million
Acurx Pharmaceuticals LLC NASDAQ:ACXP	$5.45 Million
Elecster Oyj A HE:ELEAV	$5.45 Million
FENIXORO GOLD CORP. F:8FD	$5.45 Million
AKTIENBRAU.KAUFBEUR MU:ABK	$5.45 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Funding Circle Holdings PLC's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 216,500,000 to 228,400,000, a change of 11,900,000 (5.5%).
Net income of 46,000,000 contributed positively to equity growth.
Other comprehensive income increased equity by 500,000.
Other factors decreased equity by 34,600,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	GBX46.00 Million	+20.14%
Other Comprehensive Income	GBX500.00K	+0.22%
Other Changes	GBX-34.60 Million	-15.15%
Total Change	GBX-	5.50%

Book Value vs Market Value Analysis

This analysis compares Funding Circle Holdings PLC's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 224.44x
The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
The price-to-book ratio has increased from 33.64x to 224.44x over the analyzed period, suggesting growing market confidence.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2012-12-31	GBX4.64	GBX156.00	x
2013-12-31	GBX16.33	GBX156.00	x
2014-12-31	GBX24.54	GBX156.00	x
2015-12-31	GBX0.39	GBX156.00	x
2016-12-31	GBX0.30	GBX156.00	x
2017-12-31	GBX0.45	GBX156.00	x
2018-12-31	GBX1.48	GBX156.00	x
2019-12-31	GBX0.92	GBX156.00	x
2020-12-31	GBX0.63	GBX156.00	x
2021-12-31	GBX0.75	GBX156.00	x
2022-12-31	GBX0.81	GBX156.00	x
2023-12-31	GBX0.72	GBX156.00	x
2024-12-31	GBX0.57	GBX156.00	x
2025-12-31	GBX0.70	GBX156.00	x

Capital Efficiency Dashboard

This dashboard shows how efficiently Funding Circle Holdings PLC utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 20.14%
The company demonstrates strong efficiency in generating profits from shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 20.67%
• Asset Turnover: 0.42x
• Equity Multiplier: 2.35x
Recent ROE (20.14%) is above the historical average (-21.55%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2012	-83.15%	-212.16%	0.23x	1.67x	GBX-4.58 Million
2013	-18.51%	-95.33%	0.18x	1.09x	GBX-7.86 Million
2014	-41.35%	-148.13%	0.25x	1.14x	GBX-24.10 Million
2015	-29.73%	-123.75%	0.22x	1.09x	GBX-52.92 Million
2016	-44.72%	-91.55%	0.44x	1.11x	GBX-57.02 Million
2017	-23.01%	-37.35%	0.56x	1.09x	GBX-50.64 Million
2018	-12.25%	-34.74%	0.33x	1.07x	GBX-89.54 Million
2019	-26.55%	-50.60%	0.17x	3.12x	GBX-116.60 Million
2020	-49.77%	-44.26%	0.31x	3.59x	GBX-130.06 Million
2021	21.25%	27.92%	0.39x	1.96x	GBX32.40 Million
2022	-2.43%	-4.43%	0.41x	1.35x	GBX-35.30 Million
2023	-15.52%	-29.53%	0.35x	1.51x	GBX-62.98 Million
2024	3.97%	5.37%	0.45x	1.65x	GBX-13.05 Million
2025	20.14%	20.67%	0.42x	2.35x	GBX23.16 Million

Industry Comparison

This section compares Funding Circle Holdings PLC's net assets metrics with peer companies in the Credit Services industry.

Industry Context

Industry: Credit Services
Average net assets among peers: $4,105,557,276
Average return on equity (ROE) among peers: -16.76%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Funding Circle Holdings PLC (FCH)	GBX228.40 Million	-83.15%	1.35x	$5.45 Million
Intrum AB (publ) (0H9P)	$22.44 Billion	6.69%	2.02x	$587.75 Million
Amigo Holdings PLC (AMGO)	$-56.90 Million	0.00%	0.00x	$323.98K
ASA International Group PLC (ASAI)	$111.17 Million	30.59%	4.04x	$2.77 Million
Fiinu PLC (BANK)	$2.73 Million	-16.06%	0.67x	$305.95K
Distribution Finance Capital Holdings PLC (DFCH)	$96.24 Million	10.14%	5.05x	$1.17 Million
General Accident PLC (GACA)	$13.91 Billion	0.92%	0.00x	$374.75 Million
H&T Group plc (HAT)	$134.55 Million	9.34%	0.26x	$3.44 Million
ICFG Limited (ICFG)	$228.06K	-211.65%	0.18x	$30.59 Million
International Personal Finance PLC (IPF)	$309.00 Million	19.16%	1.27x	$6.60 Million

About Funding Circle Holdings PLC

LSE:FCH UK Credit Services

Market Cap

$5.45 Million

GBX44.80 Billion GBX

Market Cap Rank

#31931 Global

#693 in UK

Share Price

GBX156.00

Change (1 day)

+2.63%

52-Week Range

GBX101.60 - GBX176.80

All Time High

GBX440.00