Distribution Finance Capital Holdings Plc (GB:DFCH)
LSE:DFCH
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Distribution Finance Capital Holdings Plc
(LSE:DFCH)
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Rating:67Neutral
Price Target:
58.00 p
▲(8.41% Upside)
Action:Downgraded
Date: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 and profitability recovery
DFCH's revenue nearly doubled from 2023 to 2025 while delivering sustained net profitability in 2024–2025. This indicates durable demand for its inventory and asset finance products, improved pricing or mix, and operating leverage that supports internal capital generation and reduces reliance on short-term external funding.
Negative Factors
Historic cash-flow volatility
Past multi-year cash-flow swings and deep outflows mean DFCH's cash generation is not yet consistently predictable. This elevates financing risk if adverse credit or market conditions recur, could force reliance on external funding during stress, and challenges planning for lending growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and profitability recovery
DFCH's revenue nearly doubled from 2023 to 2025 while delivering sustained net profitability in 2024–2025. This indicates durable demand for its inventory and asset finance products, improved pricing or mix, and operating leverage that supports internal capital generation and reduces reliance on short-term external funding.
Read all positive factors
Distribution Finance Capital Holdings Plc (DFCH) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£97.63M
Dividend YieldN/A
Average Volume (3M)261.88K
Price to Earnings (P/E)6.7
Beta (1Y)1.07
Revenue Growth18.38%
EPS Growth13.20%
CountryUK
Employees137
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.09
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)0.09
Revenue Forecast (FY)£62.50M
Distribution Finance Capital Holdings Plc Business Overview & Revenue Model
Company Description
Distribution Finance Capital Holdings plc, an investment holding company established in Manchester, UK, in 2016, functions as a specialized bank delivering both personal savings products and commercial financing throughout the United Kingdom. For ...
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
57.31
Positive
59.31
Positive
56.20
Positive
Market Momentum
0.35
Negative
67.03
Neutral
86.86
Negative
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 55.33, below the 50-day MA of 57.31, and below the 200-day MA of 56.20, indicating a bullish trend. The MACD of 0.35 indicates Negative momentum. The RSI at 67.03 is Neutral, neither overbought nor oversold. The STOCH value of 86.86 is Negative, 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 | £45.79M | 7.48 | 8.28% | ― | 5.19% | 14.53% | |
73 Outperform | £126.70M | 11.78 | 16.60% | ― | 19.95% | 146.39% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | £97.63M | 6.69 | 12.38% | ― | 18.38% | 13.20% | |
60 Neutral | £239.98M | 10.13 | 9.68% | 5.33% | -7.08% | 32.38% | |
55 Neutral | £416.37M | 9.79 | 21.54% | ― | 37.60% | 2766.67% | |
53 Neutral | £297.77M | 37.39 | 1.89% | ― | 0.07% | ― |
* Financial Sector Average
GB:DFCH
Distribution Finance Capital Holdings Plc
59.50
20.50
52.56%
GB:TIME
Time Finance plc
49.50
-11.50
-18.85%
GB:VANQ
Vanquis Banking Group
117.40
19.00
19.31%
GB:SUS
S&U plc
1,975.00
283.59
16.77%
GB:FCH
Funding Circle Holdings
145.80
19.40
15.35%
GB:TRU
TruFin
134.50
46.00
51.98%
Distribution Finance Capital Holdings Plc Corporate Events
Business Operations and StrategyExecutive/Board ChangesStock BuybackShareholder Meetings
DF Capital Wins Shareholder Backing for All AGM Resolutions
Positive
May 21, 2026
Distribution Finance Capital Holdings plc reported that shareholders approved all resolutions at its latest annual general meeting, including the re-election and election of several board members and the reappointment of Deloitte as auditor. Inves...
Financial DisclosuresShareholder Meetings
DF Capital Sets May Date for AGM as 2025 Annual Report Published
Neutral
Apr 24, 2026
Distribution Finance Capital Holdings plc has announced details of its upcoming Annual General Meeting, which will take place on 21 May 2026 at the Express Building in Manchester. The company has circulated its Annual Report for the year ended 31 ...
Business Operations and StrategyExecutive/Board Changes
DF Capital Announces Retirement of Independent Non-Executive Director
Neutral
Apr 13, 2026
Distribution Finance Capital Holdings has announced that Independent Non-Executive Director Thomas Gratwohl will retire from the board with effect from 30 April 2026 and will not stand for re-election at the upcoming annual meeting. The board ackn...
Business Operations and StrategyFinancial Disclosures
DF Capital grows loan book and deposits as portfolio quality improves in Q1
Positive
Apr 8, 2026
Distribution Finance Capital Holdings reported strong first‑quarter trading, with new loan origination rising about 23% year on year to a record £469m and the loan book expanding roughly 26% to £895m, including growth in its recent...
Other
DF Capital director lifts stake with London share purchase
Positive
Apr 2, 2026
DF Capital, the AIM‑quoted specialist bank focused on commercial finance and savings products, has reported a share purchase by one of its independent non‑executive directors. The Manchester‑based lender, which provides funding t...
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 £...
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.