Distribution Finance Capital Holdings Plc AI Stock Analysis
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Distribution Finance Capital Holdings Plc (DFCH) AI Stock Analysis
Distribution Finance Capital Holdings Plc
(LSE:DFCH)
The overall score is heavily bolstered by stellar financial performance and a deeply undervalued P/E profile, reflecting the company's successful transition to robust profitability and efficient asset growth. Secondary to these fundamental strengths, near-term technical indicators show mild bearish momentum, though long-term moving averages indicate ongoing support.
Distribution Finance Capital Holdings Plc (DFCH) vs. iShares MSCI United Kingdom ETF (EWC)
- Market Cap
- GBP 113.78M
- Dividend Yield
- ―
- Average Volume (3M)
- 318.34K
- Price to Earnings (P/E)
- 6.2
- Beta (1Y)
- 0.88
- Revenue Growth
- 22.63%
- EPS Growth
- 33.09%
- Country
- UK
- Employees
- 155
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
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 bus...
How the Company Makes Money
DFCH makes money primarily by earning interest income on loans and finance facilities it provides to business customers, especially inventory/stock (wholesale) finance that enables retailers and dealers to purchase goods from manufacturers and distri...
Distribution Finance Capital Holdings Plc Financial Statement Overview
Summary
Distribution Finance Capital Holdings demonstrates outstanding financial growth, marked by rapid revenue expansion from 2020 to 2025 and a successful transition to robust profitability. The balance sheet maintains conservative corporate leverage despite rapid asset growth, and strong operating cash flows comfortably exceed net income, establishing a highly attractive financial profile.
Income Statement
92Very PositiveBalance Sheet
82Very PositiveCash Flow
85Very Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 103.00M | 92.06M | 78.06M | 60.35M | 26.56M | 13.54M |
| Gross Profit | 62.01M | 54.68M | 47.36M | 27.05M | 19.48M | 12.97M |
| EBITDA | 28.20M | 22.90M | 20.00M | 5.45M | 4.15M | -380.00K |
| Net Income | 18.51M | 15.16M | 14.02M | 3.15M | 9.76M | -3.68M |
Balance Sheet | ||||||
| Total Assets | 1.18B | 999.81M | 786.54M | 691.94M | 582.50M | 388.61M |
| Cash, Cash Equivalents and Short-Term Investments | 237.92M | 137.57M | 110.03M | 93.03M | 111.20M | 29.60M |
| Total Debt | 22.95M | 17.42M | 10.50M | 11.43M | 445.00K | 554.00K |
| Total Liabilities | 1.04B | 872.21M | 671.19M | 591.52M | 486.26M | 302.55M |
| Stockholders Equity | 137.77M | 127.23M | 115.35M | 100.41M | 96.24M | 86.06M |
Cash Flow | ||||||
| Free Cash Flow | 23.49M | 20.19M | 8.18M | -38.25M | 3.93M | -1.78M |
| Operating Cash Flow | 26.91M | 23.83M | 9.20M | -37.71M | 5.17M | -945.00K |
| Investing Cash Flow | -205.15M | -185.40M | 14.16M | 8.29M | -106.87M | -180.06M |
| Financing Cash Flow | 319.13M | 189.57M | -1.67M | 9.65M | 182.74M | 189.37M |
Distribution Finance Capital Holdings Plc Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:DFCH, the sentiment is Negative. The current price of 69.00 is below the 20-day moving average (MA) of 70.98, below the 50-day MA of 72.44, and above the 200-day MA of 65.13, indicating a neutral trend. The MACD of -0.77 indicates Positive momentum. The RSI at 20.09 is Positive, neither overbought nor oversold. The STOCH value of 14.14 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:DFCH.
Distribution Finance Capital Holdings Plc Peers Comparison
Overall Rating
GB:TRU86Outperform
GB:TIME79Outperform- GB:DFCH76Outperform
GB:FCH69Neutral
GB:SUS61Neutral
GB:VANQ51Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| GB:TRU | 86Outperform | GBP 46.13M | 27.79 | 3.62% | 0.88% | -45.36% | -57.96% |
| GB:TIME | 79Outperform | GBP 54.49M | 8.66 | 8.18% | ― | 3.69% | 6.25% |
| GB:DFCH | 76Outperform | GBP 113.78M | 6.17 | 13.97% | ― | 22.63% | 33.09% |
| GB:FCH | 69Neutral | GBP 688.65M | 12.01 | 26.71% | ― | 52.96% | 242.50% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| GB:SUS | 61Neutral | GBP 238.15M | 9.95 | 9.55% | 5.92% | 5.62% | 19.68% |
| GB:VANQ | 51Neutral | GBP 111.60M | 10.26 | 2.20% | ― | 6.21% | ― |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GB:DFCH | Distribution Finance Capital Holdings Plc | 69.00 | 18.00 | 35.29% | |
| GB:TIME | Time Finance plc | 58.90 | 8.90 | 17.80% | |
| GB:VANQ | Vanquis Banking Group plc | 44.00 | -68.80 | -60.99% | |
| GB:SUS | S&U plc | 1960.00 | 184.25 | 10.38% | |
| GB:FCH | Funding Circle Holdings | 250.00 | 126.60 | 102.59% | |
| GB:TRU | Trufin Plc | 85.60 | 29.20 | 51.77% |
Distribution Finance Capital Holdings Plc Corporate Events
DF Capital CFO boosts stake with purchase of 20,621 shares
PositiveDF Capital has disclosed that its chief financial officer, Sameera Khaliq, purchased 20,621 ordinary shares in the company on 12 October 2026 on the London Stock Exchange at a price of £0.727 per share. The transaction, totalling £14,991.47, represen...
DF Capital boosts loan growth and asset finance momentum in strong Q3
PositiveDF Capital reported a strong third quarter, with new loan origination rising 22% year-on-year to £561m and its loan book expanding to £929m, also up 22%, supported by stable portfolio quality and low arrears. The group noted controlled exposure to no...
DF Capital Director Boosts Stake with London Stock Exchange Share Purchase
PositiveIndependent specialist bank DF Capital, listed on AIM as DFCH, provides commercial finance to distributors and manufacturers in sectors including automotive, leisure and luxury, and offers savings products to consumers and small businesses. Establish...
DF Capital Updates Voting Rights After Treasury Share Transfer
NeutralDistribution Finance Capital Holdings plc has transferred 400,000 ordinary shares out of treasury to satisfy exercises under its Performance Share Plan, reflecting ongoing utilisation of share-based incentives for employees or executives. Following t...
DF Capital to Showcase Specialist Lending Model at MelloMonday Webinar
PositiveDF Capital has announced that it will participate in the investor-focused MelloMonday event on 14 September 2026 via a Zoom webinar, with senior executives Carl D’Ammassa and Sameera Khaliq scheduled to present and take questions from attendees. The...
DF Capital posts strong H1 2026 growth as diversified lending franchise scales
PositiveDistribution Finance Capital Holdings plc reported another strong period of expansion for the six months to 30 June 2026, as it deepened its role as a specialist lender to UK manufacturers, dealers and distributors. The group’s multi‑product offering...
DF Capital Schedules Half-Year 2026 Results and Investor Presentations
PositiveDF Capital plans to publish its half-year results for the six months to 30 June 2026 on 10 September 2026, underscoring a regular reporting rhythm that is important for transparency to the market. The announcement signals an opportunity for analysts...
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.
Date of analysis: Nov 06, 2026