London Stock Exchange · Financial Services
Invest in Funding Circle stock from India
Indian and foreign residents can buy Funding Circle (FCH) shares directly through Paasa.
By Paasa · Updated
Funding Circle at a glance
- Price
- £1.88+£0.04 (1.95%)
- Market cap
- £532.93M
- Day range
- £1.85 – £1.90
- P/E
- 9.04
- Dividend yield
- None
- Volume
- 790.24K
- 1 month
- -17.82%
- 6 months
- +46.57%
- YTD
- +48.89%
- 1 year
- +51.53%
- 5 years
- +22.37%
Funding Circle statements, FY2021–FY2025
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | £222.5M | £160.1M | £129.7M | £155.7M | £219.2M |
| Gross profit | £200.0M | £92.0M | £61.5M | £69.9M | £157.8M |
| Operating income | £20.4M | £27.1M | £6.8M | £23.0M | £64.2M |
| Net income | £46.0M | £8.6M | −£38.3M | −£6.9M | £61.2M |
| Earnings per share | £0.15 | £0.00 | −£0.11 | −£0.02 | £0.17 |
| EBITDA | £31.4M | £5.4M | −£10.3M | £4.1M | £82.0M |
| Total assets | £535.9M | £358.0M | £373.2M | £384.0M | £565.9M |
| Total debt | £273.6M | £109.5M | £69.5M | £66.1M | £237.4M |
| Cash and short-term investments | £447.0M | £187.6M | £290.0M | £246.8M | £375.3M |
| Shareholders' equity | £228.4M | £216.5M | £246.8M | £284.0M | £288.0M |
| Operating cash flow | −£33.8M | −£67.4M | −£25.6M | −£10.4M | £100.1M |
| Free cash flow | −£34.4M | −£70.3M | −£37.7M | −£24.3M | £90.7M |
| Capital expenditure | −£600.0K | −£2.9M | −£12.2M | −£13.9M | −£9.4M |
Fiscal years as reported, the latest ending 31 Dec 2025. Figures in GBP; a dash means the provider reported nothing for that line.
Peer comparison
| Company | Ticker | Price | Market cap |
|---|---|---|---|
| Saga | SAGA.L | £7.87 | £1.14B |
| International Personal Finance | IPF.L | £2.50 | £555.33M |
| Foresight Environmental Infra Ord | FGEN.L | £0.88 | £550.41M |
| Invesco Bond Income Plus | BIPS.L | £1.70 | £450.58M |
| JPMorgan UK Small Cap Growth & Income | JUGI.L | £3.51 | £423.88M |
| Tatton Asset Management | TAM.L | £6.42 | £389.74M |
| Fidelity Asian Values | FAS.L | £6.10 | £383.35M |
| FRP Advisory | FRP.L | £1.16 | £286.01M |
Peers as grouped by the data provider. This is not an investment recommendation.
How to invest in Funding Circle from India
Step 1
Open your Paasa account
KYC takes a few minutes: PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Step 2
Add funds from your Indian bank account
Remit up to $250,000 a year under the RBI's Liberalised Remittance Scheme. Your bank converts the rupees to US dollars at its rate on the day you remit, and Interactive Brokers converts the dollars to GBP when you buy.
Step 3
Search FCH and buy
Find Funding Circle by name or by its ticker, FCH, and place your order.
Why invest in Funding Circle from India
What Funding Circle does
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, government backed loans, business credit cards, and business finance solutions to small enterprises. Funding Circle operates in the Financial - Credit Services industry within the Financial Services sector.
Paasa handles the paperwork
Investing abroad brings paperwork with it: remittance filings, capital gains reporting, foreign asset disclosure. Paasa prepares all of it for you. Your India-ready tax reports arrive at year end, ready to file.
Here's what inheritance rules in the UK mean for your Funding Circle shares.
Shares in UK-incorporated companies are UK-situs assets and fall within UK Inheritance Tax, charged at 40% above the £325,000 threshold for non-residents.
Frequently asked questions
Can I buy Funding Circle stock from India?
Yes. Indian residents and NRIs can buy Funding Circle (FCH) shares directly through Paasa. Funding Circle is listed on the London Stock Exchange, in the Financial - Credit Services industry. Your money leaves India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name at Interactive Brokers.
How are Funding Circle dividends taxed for Indian investors?
Funding Circle does not currently pay a dividend, so there is nothing to withhold or declare today. If it starts paying one, the UK levies 0% withholding tax on company dividends paid to non-residents, and dividends are taxed at your slab rate in India.
What tax do I pay in India when I sell Funding Circle shares?
Non-residents are exempt from UK capital gains tax on the disposal of listed shares. In India, gains on shares held for more than 24 months are long-term and taxed at 12.5%, and gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. Both are worked out in rupees at the GBP/INR rate on the day you bought and the day you sold, so the currency move is part of the gain. Paasa's capital-gains statement gives you the figures for your return.
What happens to my Funding Circle shares if I pass away?
Shares in UK-incorporated companies are UK-situs assets and fall within UK Inheritance Tax, charged at 40% above the £325,000 threshold for non-residents. The rule looks at everything you hold there, not at Funding Circle alone.
Is there stamp duty when I buy Funding Circle shares?
The UK charges 0.5% Stamp Duty Reserve Tax when buying direct company shares electronically on the LSE; ETFs and UCITS funds do not attract it.