Funding Circle Holdings plc

FDCHFOTCFinancial Services● Active

$2.18

+$0.00(+0.00%)

Market Cap$619370624

P/E Ratio—

52W High$2.18

52W Low$1.53

Avg Volume826

Open$1.60

Beta0.72

Free Cash Flow Financials Revenue

Funding Circle Holdings plc (FDCHF) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

FDCHF · free cash flow · updated Jun 9, 2026

Core FCF metrics

FDCHF · FCF · TTM · margin & CAGR

Free cash flow was −$34.4M for FY2025 (fiscal year ending 2025-12-31), up 56.6% year-over-year The FCF margin was -15.5%.

FY2025 Free Cash Flow−$34.4M▲ +56.6% YoY

Trailing 12M (TTM)−$113.7Mtrailing 4 quarters sum

FCF Margin-15.5%−$34.4M ÷ revenue

3-Year CAGRN/AN/A — contains negative FCF

5-Year CAGRN/AN/A — contains negative FCF

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

FDCHF · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest−$33.8M(1M)−$34.4M▲ +56.6%-15.5%

FY2024−$67.4M(12M)−$79.3M▼ 110.3%-49.0%

FY2023−$25.6M(12M)−$37.7M▼ 55.1%-29.1%

FY2022−$10.4M(14M)−$24.3M▼ 126.8%-15.6%

FY2021$100.1M(9M)$90.7M▲ +297.8%41.4%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

FDCHF · P/FCF · FCF yield · FCF per share

Funding Circle Holdings plc (FDCHF) reported negative free cash flow of −$0.03B. FCF-based valuation ratios are not meaningful when FCF is negative.

FCF Yield (TTM)

N/A

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

N/A

TTM FCF ÷ Shares Outstanding

Price / FCF

N/A

Share Price ÷ FCF per Share

EV / FCF (TTM)

N/A

Enterprise Value basis

FCF-based valuation ratios are only meaningful when free cash flow is positive. Negative FCF indicates capital expenditures exceeded operating cash flow.

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

FDCHF · cash flow statement · operating / investing / financing

For FY2025, Funding Circle Holdings plc generated −$33.8M in operating cash flow and spent 1M in capital expenditures, yielding −$34.4M in free cash flow.

Operating Activities

−$33.8M

Cash from core business operations

2025-12-31

Investing Activities

−$126.2M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$124.7M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF (−$33.8M) − |CapEx| (1M) = FCF (−$34.4M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

FDCHF vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Funding Circle Holdings plcYOU

FDCHF

−$34.4M+56.6%-15.5%

Loss

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Funding Circle Holdings plc (FDCHF) reported free cash flow of −$34.4M for FY2025 (fiscal year ending 2025-12-31), up 56.6% year-over-year. The FCF margin was -15.5%.

Based on available data, Funding Circle Holdings plc has maintained positive free cash flow for at least 2 fiscal year(s). FCF peaked at $90.7M in FY2021.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

FDCHF free cash flow · 8 questions

Funding Circle Holdings plc free cash flow was −$34.4M for FY2025, up 56.6% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at −$113.7M.

FDCHF free cash flowFDCHF FCFFDCHF FCF 2025FDCHF free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Funding Circle Holdings plc · Funding Circle Holdings plc SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026