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Funding Circle Valuation Multiples
Discover revenue and EBITDA valuation multiples for Funding Circle and similar public comparables like Pepper Money, Direct Finance of Direct, Credit Corp, LendingTree and more.
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
Financials (LTM)
EV
$754M
Funding Circle Financials
Funding Circle reported last 12-month revenue of $286M and EBITDA of $53M.
In the same LTM period, Funding Circle generated $53M in EBITDA and $54M in net income.
Revenue (LTM)
Funding Circle P&L
In the most recent fiscal year, Funding Circle reported revenue of $301M and EBITDA of $47M.
Funding Circle expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $286M | XXX | $301M | XXX | XXX | XXX |
| Gross Profit | — | XXX | $220M | XXX | XXX | XXX |
| Gross Margin | — | XXX | 73% | XXX | XXX | XXX |
| EBITDA | $53M | XXX | $47M | XXX | XXX | XXX |
| EBITDA Margin | 19% | XXX | 16% | XXX | XXX | XXX |
| EBIT Margin | 39% | XXX | 36% | XXX | XXX | XXX |
| Net Profit | $54M | XXX | $62M | XXX | XXX | XXX |
| Net Margin | 19% | XXX | 21% | XXX | XXX | XXX |
| Net Debt | — | — | $155M | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
Funding Circle Stock Performance
Funding Circle has current market cap of $590M, and enterprise value of $754M.
Market Cap Evolution
Funding Circle's stock price is $2.06.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $754M | $590M | 0.0% | XXX | XXX | XXX | $0.22 |
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Start Free TrialFunding Circle Valuation Multiples
Funding Circle trades at 2.6x EV/Revenue multiple, and 14.2x EV/EBITDA.
EV / Revenue (LTM)
Funding Circle Financial Valuation Multiples
As of April 20, 2026, Funding Circle has market cap of $590M and EV of $754M.
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 10.9x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $590M | XXX | $590M | XXX | XXX | XXX |
| EV (current) | $754M | XXX | $754M | XXX | XXX | XXX |
| EV/Revenue | 2.6x | XXX | 2.5x | XXX | XXX | XXX |
| EV/EBITDA | 14.2x | XXX | 16.0x | XXX | XXX | XXX |
| EV/EBIT | 6.7x | XXX | 6.9x | XXX | XXX | XXX |
| EV/Gross Profit | — | XXX | 3.4x | XXX | XXX | XXX |
| P/E | 10.9x | XXX | 9.5x | XXX | XXX | XXX |
| EV/FCF | 195.3x | XXX | (47.6x) | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified Funding Circle Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
Funding Circle Margins & Growth Rates
Funding Circle's revenue in the last 12 month grew by 15%.
Funding Circle's revenue per employee in the last FY averaged $0.4M, while opex per employee averaged $0.3M for the same period.
Funding Circle's rule of 40 is 27% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Funding Circle's rule of X is 36% (created by Bessemer, rule of X is another metric to measure SaaS companies, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
Funding Circle Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 15% | XXX | 6% | XXX | XXX | XXX |
| EBITDA Margin | 19% | XXX | 16% | XXX | XXX | XXX |
| EBITDA Growth | 42% | XXX | 43% | XXX | XXX | XXX |
| Rule of 40 | — | XXX | 27% | XXX | XXX | XXX |
| Bessemer Rule of X | — | XXX | 36% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.4M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.3M | XXX | XXX | XXX |
| S&M Expenses to Revenue | — | XXX | 28% | XXX | XXX | XXX |
| Opex to Revenue | — | XXX | 64% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Funding Circle Public Comps
See public comps and valuation multiples for other Consumer Finance and Online Lending comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| Funding Circle | XXX | XXX | XXX | XXX | XXX | XXX |
| Pepper Money | XXX | XXX | XXX | XXX | XXX | XXX |
| Direct Finance of Direct | XXX | XXX | XXX | XXX | XXX | XXX |
| Credit Corp | XXX | XXX | XXX | XXX | XXX | XXX |
| LendingTree | XXX | XXX | XXX | XXX | XXX | XXX |
| Propel Holdings | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Funding Circle M&A Activity
Funding Circle acquired XXX companies to date.
Last acquisition by Funding Circle was on XXXXXXXX, XXXXX. Funding Circle acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by Funding Circle
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialFunding Circle Investment Activity
Funding Circle invested in XXX companies to date.
Funding Circle made its latest investment on XXXXXXXX, XXXXX. Funding Circle invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by Funding Circle
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout Funding Circle
| When was Funding Circle founded? | Funding Circle was founded in 2010. |
| Where is Funding Circle headquartered? | Funding Circle is headquartered in United Kingdom. |
| How many employees does Funding Circle have? | As of today, Funding Circle has over 721 employees. |
| Who is the CEO of Funding Circle? | Funding Circle's CEO is Lisa Jacobs. |
| Is Funding Circle publicly listed? | Yes, Funding Circle is a public company listed on London Stock Exchange. |
| What is the stock symbol of Funding Circle? | Funding Circle trades under FCH ticker. |
| When did Funding Circle go public? | Funding Circle went public in 2018. |
| Who are competitors of Funding Circle? | Funding Circle main competitors are Pepper Money, Direct Finance of Direct, Credit Corp, LendingTree. |
| What is the current market cap of Funding Circle? | Funding Circle's current market cap is $590M. |
| What is the current revenue of Funding Circle? | Funding Circle's last 12 months revenue is $286M. |
| What is the current revenue growth of Funding Circle? | Funding Circle revenue growth (NTM/LTM) is 15%. |
| What is the current EV/Revenue multiple of Funding Circle? | Current revenue multiple of Funding Circle is 2.6x. |
| Is Funding Circle profitable? | Yes, Funding Circle is EBITDA-positive (as of the last 12 months). |
| What is the current EBITDA of Funding Circle? | Funding Circle's last 12 months EBITDA is $53M. |
| What is Funding Circle's EBITDA margin? | Funding Circle's last 12 months EBITDA margin is 19%. |
| What is the current EV/EBITDA multiple of Funding Circle? | Current EBITDA multiple of Funding Circle is 14.2x. |
| What is the current FCF of Funding Circle? | Funding Circle's last 12 months FCF is $4M. |
| What is Funding Circle's FCF margin? | Funding Circle's last 12 months FCF margin is 1%. |
| What is the current EV/FCF multiple of Funding Circle? | Current FCF multiple of Funding Circle is 195.3x. |
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