Funding Circle - Public Comps and Valuation Multiples

Funding Circle Overview

About Funding Circle

Funding Circle Holdings PLC provides an online lending platform through which borrower loans are originated and allocated to investors and comprising the different online lending platforms across the company's geographies. Company's segment includes: Term Loans and FlexiPay. The sectors includes: Wholesale & retail, Real Estate, Health & other service activities, Other manufacturing, IT & telecommunication The company's geographical segments include the United Kingdom, the United States, and developing markets. It derives the majority of its revenue from the United Kingdom region.

Founded

2010

HQ

Employees

721

Website

corporate.fundingcircle.com

Sectors

Online Lending
Lending Solutions
FinTech

Financials

LTM Revenue $246M

LTM EBITDA $42.5M

EV

$499M

Valuation Multiples

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Funding Circle Financials

As of September 2025, Funding Circle reported last 12-month revenue of $246M and EBITDA of $42.5M.

In the same period, Funding Circle achieved $15.4M in LTM net income.

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Funding Circle P&L

In the most recent fiscal year, Funding Circle reported revenue of $216M and EBITDA of $19.1M.

Funding Circle expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$246M	XXX	$216M	XXX	XXX	XXX
Gross Profit	n/a	XXX	$114M	XXX	XXX	XXX
Gross Margin	n/a	XXX	53%	XXX	XXX	XXX
EBITDA	$42.5M	XXX	$19.1M	XXX	XXX	XXX
EBITDA Margin	17%	XXX	9%	XXX	XXX	XXX
EBIT	$22.0M	XXX	$1.1M	XXX	XXX	XXX
EBIT Margin	9%	XXX	0%	XXX	XXX	XXX
Net Profit	$15.4M	XXX	$11.5M	XXX	XXX	XXX
Net Margin	6%	XXX	5%	XXX	XXX	XXX
Net Debt	XXX	XXX	n/a	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Funding Circle including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $246M. EBITDA for the last twelve months was $42.5M. In the most recent fiscal year, Funding Circle achieved $216M in revenue and $19.1M in EBITDA.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$246M	Analyst estimates available to subscribers	$216M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	$114M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	52.9% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	$42.5M	Analyst estimates available to subscribers	$19.1M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	17.3% EBITDA margin	Analyst estimates available to subscribers	8.8% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$22.0M	Analyst estimates available to subscribers	$1.1M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	8.9% EBIT margin	Analyst estimates available to subscribers	0.5% EBIT margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$15.4M	Analyst estimates available to subscribers	$11.5M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	6.3% net profit margin	Analyst estimates available to subscribers	5.3% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	n/a	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Funding Circle

This financial data table provides comprehensive performance metrics for Funding Circle, a company based in United Kingdom of Great Britain and Northern Ireland. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Funding Circle generated $246M in revenue over the last twelve months.
The company achieved $42.5M in EBITDA over the last twelve months.
Net income over the last twelve months reached $15.4M.

Fiscal Year Performance

In the most recent fiscal year, Funding Circle reported $216M in total revenue.
Fiscal year EBITDA was $19.1M.
The company maintained a gross profit margin of 52.9% in the most recent fiscal year.
EBITDA margin for the fiscal year was 8.8%.
Net profit margin reached 5.3% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Funding Circle. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Funding Circle Stock Performance

Funding Circle has current market cap of GBP 345M (or $460M), and EV of GBP 374M (or $499M).

Market Cap Evolution

Funding Circle Stock Data

As of October 17, 2025, Funding Circle's stock price is GBP 1 (or $2).

See Funding Circle trading valuation data

EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$499M	$460M	XXX	XXX	XXX	XXX	$0.04

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Funding Circle Valuation Multiples

Funding Circle's trades at 2.3x EV/Revenue multiple, and 26.2x EV/EBITDA.

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Funding Circle Financial Valuation Multiples

As of October 17, 2025, Funding Circle has market cap of $460M and EV of $499M.

Equity research analysts estimate Funding Circle's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Funding Circle has a P/E ratio of 29.9x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$460M	XXX	$460M	XXX	XXX	XXX
EV (current)	$499M	XXX	$499M	XXX	XXX	XXX
EV/Revenue	2.0x	XXX	2.3x	XXX	XXX	XXX
EV/EBITDA	11.7x	XXX	26.2x	XXX	XXX	XXX
EV/EBIT	22.7x	XXX	468.0x	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	29.9x	XXX	40.1x	XXX	XXX	XXX
EV/FCF	34.7x	XXX	-4.7x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Funding Circle Margins & Growth Rates

Funding Circle's last 12 month revenue growth is 17%

Funding Circle's revenue per employee in the last FY averaged $0.3M, while opex per employee averaged $0.2M for the same period.

Funding Circle's rule of 40 is 10% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Funding Circle's rule of X is 59% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Funding Circle Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	17%	XXX	17%	XXX	XXX	XXX
EBITDA Margin	17%	XXX	9%	XXX	XXX	XXX
EBITDA Growth	55%	XXX	n/a	XXX	XXX	XXX
Rule of 40	10%	XXX	26%	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	59%	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.3M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$0.2M	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	28%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	52%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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