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FCH

Funding Circle Holdings plc
Chart
229.00 GBp
Latest Week 2026-07-24
Financial ServicesCredit ServicesSMALL
Snapshot 2026-07-26 · 0.9w · Fresh
0.13
OS Score
4.0%
Value
6.0%
Quality
91.0%
Momentum
4/9
F-Score
0.049
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
1 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
✗
🔄
Shareholder Yield
6.0%
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
4.0%ile
P/E
14.1×
P/S
2.9×
P/B
2.8×
E/P
0.0265
FCF Yield
-0.056
EBITDA/EV
0.041
SH Yield
0.060
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
91.00000000
/100 — 1=cheapest
VC2 (Trending Value)
90.00000000
/100
VC3 (Buyback)
90.00000000
/100
Negative FCF yield (-5.6%) — the business is currently cash-consumptive. VC2 score of 90.00000000/100 — expensive across all six composite measures.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
6.0%ile
ROE
0.201
ROA
0.086
Net Margin
0.207
Op Margin
0.092
GPA
0.303
Current
1.55
F-Score
4/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.376
Earn Growth
4.837
Accruals
0.149
lower=better
5yr Consist
No
ROE of 20% is exceptional. Accruals ratio of 0.149 is elevated — earnings quality may be lower than headline numbers suggest.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
91.0%ile
6M Return
34.7%
12M Return
64.7%
12-1 Mom
4.5%
Risk-Adj
0.08
Vol 252d
53.5%
Vol 60d
125.6%
↑ Expanding
Max DD 12M
-24.1%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
Near-term vol (126%) is expanding vs long-term (54%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.13
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 185 peers
Sector Value %ile
3.8%
Sector Quality %ile
7.0%
P/E z-score
-0.07
P/B z-score
0.72
Sector Avg OS
57.1%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
CRE Conduit Holdings Limited 98.0% 99.0% 88.0% 85.0%
BEZ Beazley plc 98.0% 93.0% 91.0% 93.0%
JUP Jupiter Fund Management Plc 98.0% 96.0% 89.0% 89.0%
BGEO Lion Finance Group PLC 97.0% 96.0% 81.0% 95.0%
AIBG AIB Group plc 97.0% 90.0% 88.0% 95.0%
CLIG City of London Investment Group Plc 97.0% 90.0% 97.0% 90.0%
STAN Standard Chartered PLC 97.0% 93.0% 83.0% 95.0%
FEML Fidelity Emerging Markets Limited 97.0% 91.0% 86.0% 97.0%
Factor Interactions
Growth at Reasonable Price
Revenue growing 38% with P/E of 14×. Growth isn't fully priced in.
Hot but Volatile
Strong momentum (91th) but high volatility (54%). Momentum could reverse sharply.
Earnings Quality Concern
ROE looks strong (20%) but high accruals (0.149) suggests earnings are accrual-heavy, not cash-backed.
Volatility Expanding
60-day vol (126%) significantly exceeds 252-day (54%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
C
49.5% avg (7 factors)
Quality
C
47.0% avg (7 factors)
Momentum
B
61.8% avg (4 factors)
Risk
F
27.4% avg (1 factors)
Elevated risk profile — position sizing should reflect the higher volatility.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.130—8—
Value %ile0.040—8—
Quality %ile0.060—8—
Momentum %ile0.910—7—
F-Score4.000—8—
Confidence0.694—0—
Volatility0.535—8—
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
14.10
Earnings Yield (E/P)
0.0265
Price / Sales
2.91
Price / Book
2.84
FCF Yield
-5.6%
EBITDA / EV
4.1%
Sales Yield (1/P·S)
0.2891
Shareholder Yield
Div + net buyback / mktcap
6.0%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
20.1%
Return on Assets
8.6%
Net Margin
20.7%
Operating Margin
9.2%
Gross Profit / Assets
Novy-Marx GPA
30.3%
Current Ratio
1.55
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.149
External Financing
Net issuance — lower=better
0.074
MomentumPrice trend strength over different horizons
6M Return
34.7%
12M Return
64.7%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
4.5%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.08
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
37.6%
Earnings Growth (YoY)
483.7%
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
4
Buyback Yield
6.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
91
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
90
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
90
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity