Investment Evolution is a United Kingdom group of fintech companies focused on online consumer loans, with operations in the consumer finance industry in the United States since 2010. Self-described as a global leader.

Paul Mathieson

Investment Evolution

Dividom offers real estate investment solutions tailored to individual needs, allowing people to invest collectively or individually in both new and old properties.

Dividom

Funding Circle Holdings plc, together with its subsidiaries, provides online lending platforms in the United Kingdom, the United States, and internationally. The company offers small business loans, recovery loan schemes, and business finance solutions to small and medium enterprises. It also provides flexipay and flexipay card solutions. The company acts as a special purpose bankruptcy remote entity that issues loan payment dependent debt securities to accredited investors. Funding Circle Holdings plc was incorporated in 2010 and is based in London, the United Kingdom.

Sam Hodges

Samir Desai

Alex Tonelli

James Meekings

Andrew Mullinger

Funding Circle Holdings plc

Chetwood Financial is a digital bank focused on creating distinctive and disruptive financial products for underserved segments of the market. It operates without cross-selling to its customers and aims to keep costs low through the use of cloud-based technology.

Chetwood Financial

Investment Evolution corporation is a financial services company based out of United States.

Metric
Company Name	Investment Evolution	Dividom	Funding Circle Holdings plc	Chetwood Financial
Symbol			FCH
MSH ID	COM:INVESTMENTEVOLUTION	COM:DIVIDOM	COM:FUNDINGCIRCLE	COM:YOBOTA
Market	PRIVATE	PRIVATE	STOCKS	PRIVATE
Sector	Financial Services & Finance	Real Estate	Financial Services	Financial Services & Finance
Industry	Consumer Finance	Real Estate Investment	Financial - Credit Services	Banking
Country	GB	FR	GB	GB
Stage
Employee Count	5	1	1.10K
Website	investmentevolution.com	dividom.com	fundingcircle.com	yobota.com
LinkedIn			funding-circle-usa
Founders

Metric
Market Cap			4.12M
Enterprise Value
Monthly Web Traffic	649	432	195.63K
Web Traffic Growth	-0.91	-0.98	-0.29
Valuation
Raised Capital			323.50M

Metric
Revenue			207.70M
Revenue (LTM)
Revenue (NTM)
Gross Profit			182.21M
EBITDA			-7.52M
Operating Income			-28.80M
Net Income			-48.80M
EPS			-0.14
Diluted EPS			-0.14
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin			0.81
Operating Profit Margin			-0.01
EBITDA Margin			-0.04
Net Profit Margin			2.69
Return on Equity			2.60
Return on Assets			1.78
Return on Capital Employed			-0.01

COM:INVESTMENTEVOLUTION

Investment Evolution

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio			-14.91
P/B Ratio			0.36
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio			2.17
EV Multiple			-19.25

Metric
Days Sales Outstanding
Days Payables Outstanding			194.15
Days Inventory Outstanding
Operating Cycle			21.81
Cash Conversion Cycle			21.81
Asset Turnover			0.82

Metric
Operating Cash Flow			-32.49M
Free Cash Flow			-48.04M
Cash Flow to Debt			-0.60
Operating Cash Flow/Sales			-0.15
Free Cash Flow Yield			-0.23

Metric
Cash & Equivalents			282.11M
Accounts Receivable			-17.20M
Inventory
Goodwill
Debt to Capitalization			0.24
Debt to Assets			0.17
Current Ratio			4.38
Quick Ratio			4.83

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue			0.03
R&D to Revenue
SG&A to Revenue