Distribution Finance Capital Holdings Plc (GB:DFCH)
LSE:DFCH
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Distribution Finance Capital Holdings Plc
(LSE:DFCH)
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Select Model
Rating:67Neutral
Price Target:
61.00 p
▲(14.02% Upside)
Action:DowngradedDate:03/24/26
The score is driven mainly by improving financial fundamentals (strong revenue/profitability recovery and modest leverage) and a very low P/E valuation, partially offset by weak technicals (bearish trend with negative MACD and price below key moving averages) and the history of cash-flow volatility.
Positive Factors
Revenue & profitability recovery
DFCH has materially scaled revenue and restored sustainable profits from 2023 to 2025, reflecting stronger origination and better underwriting. Durable revenue growth and consistent profitability improve internal capital generation and support ongoing lending capacity over the next several quarters.
Negative Factors
Historical cash-flow volatility
Past episodes of large negative operating and free cash flow indicate the firm's cash generation can swing materially. That volatility weakens predictability of internal funding, may force episodic external financing in stress, and complicates planning for provisioning and capex.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & profitability recovery
DFCH has materially scaled revenue and restored sustainable profits from 2023 to 2025, reflecting stronger origination and better underwriting. Durable revenue growth and consistent profitability improve internal capital generation and support ongoing lending capacity over the next several quarters.
Read all positive factors
Distribution Finance Capital Holdings Plc (DFCH) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£99.44M
Dividend YieldN/A
Average Volume (3M)261.88K
Price to Earnings (P/E)5.7
Beta (1Y)1.15
Revenue Growth17.35%
EPS Growth91.55%
CountryUK
Employees137
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.05
Shares Outstanding166,726,330
10 Day Avg. Volume204,929
30 Day Avg. Volume261,885
Financial Highlights & Ratios
PEG Ratio0.41
Price to Book (P/B)0.68
Price to Sales (P/S)0.94
P/FCF Ratio4.29
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.08
Revenue Forecast (FY)£62.40M
Distribution Finance Capital Holdings Plc Business Overview & Revenue Model
Company Description
Distribution Finance Capital Holdings plc, an investment holding company, operates as a personal savings and commercial lending bank in the United Kingdom. The company offers working capital funding solutions to dealers and manufacturers. It also ...
How the Company Makes Money
DFCH makes money primarily by earning interest income on loans and finance facilities it provides to business customers, such as inventory (stock) finance and other secured asset finance. Revenue is generated from the spread between (a) the intere...
Distribution Finance Capital Holdings Plc Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
63
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 92.06M | 78.06M | 60.35M | 26.56M | 13.54M |
| Gross Profit | 54.68M | 47.36M | 27.05M | 19.48M | 12.97M |
| EBITDA | 22.90M | 20.00M | 5.45M | 4.15M | -380.00K |
| Net Income | 15.16M | 14.02M | 3.15M | 9.76M | -3.68M |
Balance Sheet | |||||
| Total Assets | 999.81M | 786.54M | 691.94M | 582.50M | 388.61M |
| Cash, Cash Equivalents and Short-Term Investments | 137.57M | 110.03M | 93.03M | 111.20M | 29.60M |
| Total Debt | 17.42M | 10.50M | 11.43M | 445.00K | 554.00K |
| Total Liabilities | 872.21M | 671.19M | 591.52M | 486.26M | 302.55M |
| Stockholders Equity | 127.23M | 115.35M | 100.41M | 96.24M | 86.06M |
Cash Flow | |||||
| Free Cash Flow | 20.19M | 8.18M | -38.25M | 3.93M | -1.78M |
| Operating Cash Flow | 23.83M | 9.20M | -37.71M | 5.17M | -945.00K |
| Investing Cash Flow | -185.40M | 14.16M | 8.29M | -106.87M | -180.06M |
| Financing Cash Flow | 189.57M | -1.67M | 9.65M | 182.74M | 189.37M |
Distribution Finance Capital Holdings Plc Technical Analysis
Positive
53.50
Price Trends
61.94
Negative
57.29
Positive
52.59
Positive
Market Momentum
-1.25
Negative
56.98
Neutral
58.43
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:DFCH, the sentiment is Positive. The current price of 53.5 is below the 20-day moving average (MA) of 57.93, below the 50-day MA of 61.94, and above the 200-day MA of 52.59, indicating a neutral trend. The MACD of -1.25 indicates Negative momentum. The RSI at 56.98 is Neutral, neither overbought nor oversold. The STOCH value of 58.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:DFCH.
Distribution Finance Capital Holdings Plc Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | £40.71M | 3.46 | 8.28% | ― | 11.71% | 31.15% | |
74 Outperform | £233.29M | 5.11 | 8.33% | 5.33% | -11.17% | 6.04% | |
73 Outperform | £128.58M | 10.48 | 16.60% | ― | 203.09% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | £99.44M | 5.72 | 12.38% | ― | 17.35% | 91.55% | |
55 Neutral | £396.46M | 8.64 | 21.54% | ― | 7.90% | ― | |
53 Neutral | £310.45M | 24.71 | 1.89% | ― | -3.77% | -147.20% |
* Financial Sector Average
GB:DFCH
Distribution Finance Capital Holdings Plc
60.60
28.10
86.46%
GB:TIME
Time Finance plc
44.00
-4.50
-9.28%
GB:VANQ
Vanquis Banking Group
122.40
66.80
120.14%
GB:SUS
S&U plc
1,920.00
597.11
45.14%
GB:FCH
Funding Circle Holdings
138.20
38.80
39.03%
GB:TRU
TruFin
136.50
60.00
78.43%
Distribution Finance Capital Holdings Plc Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
DF Capital Beats Expectations as Loan Book Surges and New Asset Finance Product Gains Traction
Positive
Mar 23, 2026
Distribution Finance Capital Holdings reported another year of strong expansion, with its loan book up 27% to £846m, deposits up 29% to £841m and new loans advanced rising 27% to £1.83bn in 2025. Gross revenue increased 19% to £...
Business Operations and StrategyFinancial Disclosures
DF Capital Sets March Date for 2025 Full-Year Results and Investor Briefings
Neutral
Mar 12, 2026
Distribution Finance Capital Holdings, the AIM-listed specialist bank serving UK manufacturers, dealers and distributors, plans to announce its full-year results for the year ended 31 December 2025 on 23 March 2026. The Manchester-based lender, wh...
Other
DF Capital CFO Buys Shares in Specialist Bank
Positive
Jan 27, 2026
Distribution Finance Capital Holdings has disclosed that its Chief Financial Officer, Sameera Khaliq, purchased 14,834 ordinary shares in the company on 27 January 2026 at a price of £0.66 per share on the London Stock Exchange, for a total c...
Other
DF Capital Chair Mark Stephens Increases Stake with Share Purchase
Positive
Jan 15, 2026
Distribution Finance Capital Holdings has disclosed that its independent non-executive chair, Mark Stephens, purchased 8,563 ordinary shares in the company on 15 January 2026 at a price of £0.58388 per share, for a total consideration of ...
Business Operations and StrategyDividendsFinancial Disclosures
DF Capital Posts Record 2025 Results and Sets Ambitious 2030 Growth and Return Targets
Positive
Jan 15, 2026
Distribution Finance Capital Holdings reported record full-year trading for 2025, with new loan originations exceeding £1.8bn and the loan book growing 27% to £846m, driving expected statutory pre-tax profit of at least £19m and a r...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.