Funding Circle Holdings plc
Funding Circle Holdings plc, together with its subsidiaries, provides online lending platforms in the United Kingdom and internationally. The company offers small business loans, recovery loan schemes, and business finance solutions to small enterprises. It also provides flexipay and flexipay card solutions. In addition, the company offers asset, vehicle, agricultural, and equipment finance servi… Read more
Funding Circle Holdings plc (FDCHF) - Net Assets
Latest net assets as of December 2025: $228.36 Million USD
Based on the latest financial reports, Funding Circle Holdings plc (FDCHF) has net assets worth $228.36 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($535.81 Million) and total liabilities ($307.45 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 | $228.36 Million |
| % of Total Assets | 42.62% |
| Annual Growth Rate | 34.35% |
| 5-Year Change | -20.71% |
| 10-Year Change | 119.16% |
| Growth Volatility | 132.38 |
Funding Circle Holdings plc - Net Assets Trend (2012–2025)
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 (2012–2025)
The table below shows the annual net assets of Funding Circle Holdings plc from 2012 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $228.36 Million | +5.48% |
| 2024-12-31 | $216.50 Million | -12.28% |
| 2023-12-31 | $246.80 Million | -13.10% |
| 2022-12-31 | $284.00 Million | -1.39% |
| 2021-12-31 | $288.00 Million | +32.35% |
| 2020-12-31 | $217.60 Million | -31.79% |
| 2019-12-31 | $319.00 Million | -20.73% |
| 2018-12-31 | $402.40 Million | +162.32% |
| 2017-12-31 | $153.40 Million | +47.22% |
| 2016-12-31 | $104.20 Million | -21.77% |
| 2015-12-31 | $133.20 Million | +183.76% |
| 2014-12-31 | $46.94 Million | +69.53% |
| 2013-12-31 | $27.69 Million | +463.23% |
| 2012-12-31 | $4.92 Million | -- |
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 20709628800.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $201.17 Million | 88.09% |
| Common Stock | $299.95K | 0.13% |
| Other Comprehensive Income | $26.40 Million | 11.56% |
| Other Components | $499.92K | 0.22% |
| Total Equity | $228.36 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 |
|---|---|
|
Sumber Tani Agung Resources Tbk PT
JK:STAA
|
$236.81 Million |
|
MCNEX Co. Ltd
KQ:097520
|
$236.90 Million |
|
Senvest Capital Inc
PINK:SVCTF
|
$236.99 Million |
|
Microbio Co Ltd
TWO:4128
|
$236.99 Million |
|
Immuneering Corp
NASDAQ:IMRX
|
$236.74 Million |
|
MENNICA POLSKA ZY 1
F:7N5
|
$236.69 Million |
|
Guangdong SACA Precision Manufacturing Co Ltd
SHE:300464
|
$236.68 Million |
|
WITHSECURE
HE:WITH
|
$236.67 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 228,362,988, a change of 11,862,988 (5.5%).
- Net income of 45,992,545 contributed positively to equity growth.
- Share repurchases of 21,996,434 reduced equity.
- Other comprehensive income increased equity by 495,721.
- Other factors decreased equity by 12,628,844.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $45.99 Million | +20.14% |
| Share Repurchases | $22.00 Million | -9.63% |
| Other Comprehensive Income | $495.72K | +0.22% |
| Other Changes | $-12.63 Million | -5.53% |
| Total Change | $- | 5.48% |
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: 3.04x
- 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 0.34x to 3.04x 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 | $4.64 | $1.57 | x |
| 2013-12-31 | $16.33 | $1.57 | x |
| 2014-12-31 | $24.54 | $1.57 | x |
| 2015-12-31 | $0.39 | $1.57 | x |
| 2016-12-31 | $0.30 | $1.57 | x |
| 2017-12-31 | $0.45 | $1.57 | x |
| 2018-12-31 | $1.48 | $1.57 | x |
| 2019-12-31 | $0.92 | $1.57 | x |
| 2020-12-31 | $0.63 | $1.57 | x |
| 2021-12-31 | $0.75 | $1.57 | x |
| 2022-12-31 | $0.81 | $1.57 | x |
| 2023-12-31 | $0.72 | $1.57 | x |
| 2024-12-31 | $0.63 | $1.57 | x |
| 2025-12-31 | $0.52 | $1.57 | 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 | $-4.58 Million |
| 2013 | -18.51% | -95.33% | 0.18x | 1.09x | $-7.86 Million |
| 2014 | -41.35% | -148.13% | 0.25x | 1.14x | $-24.10 Million |
| 2015 | -29.73% | -123.75% | 0.22x | 1.09x | $-52.92 Million |
| 2016 | -44.72% | -91.55% | 0.44x | 1.11x | $-57.02 Million |
| 2017 | -23.01% | -37.35% | 0.56x | 1.09x | $-50.64 Million |
| 2018 | -12.25% | -34.74% | 0.33x | 1.07x | $-89.54 Million |
| 2019 | -26.55% | -50.60% | 0.17x | 3.12x | $-116.60 Million |
| 2020 | -49.77% | -44.26% | 0.31x | 3.59x | $-130.06 Million |
| 2021 | 21.25% | 27.92% | 0.39x | 1.96x | $32.40 Million |
| 2022 | -2.43% | -4.43% | 0.41x | 1.35x | $-35.30 Million |
| 2023 | -15.52% | -29.53% | 0.35x | 1.51x | $-62.98 Million |
| 2024 | 3.97% | 5.32% | 0.45x | 1.65x | $-13.05 Million |
| 2025 | 20.14% | 20.67% | 0.42x | 2.35x | $23.16 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: $42,167,772,618
- Average return on equity (ROE) among peers: 3.49%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Funding Circle Holdings plc (FDCHF) | $228.36 Million | -83.15% | 1.35x | $236.74 Million |
| Accord Financial Corp (ACCFF) | $103.96 Million | 11.43% | 4.00x | $8.00 Million |
| Acom Co. Ltd (ACJJF) | $306.73 Billion | 3.47% | 2.77x | $799.50 Million |
| Affirm Holdings Inc (AFRM) | $3.07 Billion | 1.70% | 2.63x | $13.28 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $47.20 Million | 1.69% | 11.77x | $1.51 Billion |
| Aiful Corp (AIFLF) | $97.47 Billion | -37.44% | 4.75x | $852.52 Million |
| Jianpu Technology Inc (AIJTY) | $520.74 Million | 20.38% | 0.93x | $16.37 Million |
| AIOS Tech Inc. (AIOS) | $40.53 Million | 17.61% | 0.35x | $2.83 Million |
| Ally Financial Inc (ALLY) | $13.49 Billion | 6.88% | 11.39x | $10.34 Billion |
| Alpha Investment Inc (ALPC) | $-38.66K | 0.00% | 0.00x | $166.69 Million |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $14.83 Million |