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Distribution Finance Capital Holdings plc (DFCH.L)

GBp68.50 +0.00 (+0.00%)
GB LSE Financial Services Financial - Credit Services
Address St James’ Building M1 6EJ
Manchester, GM, GB
CEO Carl Mark D'Ammassa
Website dfcapital.co.uk
IPO 2019-05-09
ISIN GB00BJ7HMR72

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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 businesses, it provides crucial working capital solutions to manufacturers and dealers. This includes specific funding facilities such as floorplan finance, unit stocking finance, and financing for rental and hire fleets. Furthermore, it extends inventory funding across a wide spectrum of industries, including agriculture, industrial equipment, transport, recreational vehicles (like motorhomes and caravans), holiday accommodations (lodges), marine vessels, and motorcycles. Individuals, meanwhile, can access a selection of savings options, including fixed-term deposits and notice accounts.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
GBp68.50 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
204.5K
Beta
0.87
Float Shares
120.42M
Free Float %
73.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.37% -4.91% -8.91% -17.88% +6.27% +6.27% +38.97% +46.49% -11.15% -53.87% -53.87%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
68.50
DCF (Unlevered) 565.82 +726.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 1 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.71
Distress
Piotroski F-Score
6 / 9
Average
MOAT Score
7 / 10
Strong MOAT
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
3 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers ★ Strong MOAT
  • ✓
    Revenue growth Financial - Credit Services: +13.2%
    +17.9% ★ Q4'25: +279.1% (vs Q4'23)
  • ✓
    EPS growth Financial - Credit Services: +24.0%
    +13.9% Q4'25: +828.0% (vs Q4'23)
  • ✓
    FCF margin FCF growth · Financial - Credit Services: +70.9%
    +16.1% Q4'25: +17.2% (vs Q4'23)
  • ✓
    EBIT margin Financial - Credit Services: +28.7%
    +23.6% Q4'25: +25.0% (vs Q4'23)
  • ✓
    ROIC Financial - Credit Services: +5.0%
    +236.5% ★ Q4'25: +542.1% (vs Q4'23)
  • ✓
    Share dilution Financial - Credit Services: +0.0%
    -4.9% ★ Q4'25: -5.8% (vs Q4'23)
  • ✓
    Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×
    0.76× ★ Q4'25: 0.35× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.89) × ERP
WACC = 85% × Ke + 15% × Kd (11.7%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 565.82 Current price: 68.50
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2019
actual 		Dec 2020
actual 		Dec 2021
actual 		Dec 2022
actual 		Dec 2023
actual 		Dec 2024
actual 		Dec 2025
actual 		Dec 2026
1 Rev. Ana.
1 EPS Ana. 		Dec 2027
1 Rev. Ana.
1 EPS Ana. 		Dec 2028
1 Rev. Ana.
1 EPS Ana.
Revenue
12.60M
est: 4.66M (+170.3%)
10.29M
est: 2.30M (+347.2%)
13.54M
est: 11.48M (+18.0%)
26.56M
est: 20.14M (+31.8%)
60.35M
est: 35.58M (+69.6%)
78.06M
est: 45.10M (+73.1%)
92.06M
est: 54.80M (+68.0%)
62.50M
62.50M – 62.50M
+14.1% YoY
68.90M
68.90M – 68.90M
+10.2% YoY
78.20M
78.20M – 78.20M
+13.5% YoY
EBITDA
-1.14M
est: 104.2K (-1,192.4%)
-3.73M
est: -54.87M (+93.2%)
-380.0K
est: -120.57M (+99.7%)
4.15M
est: -386.00M (+101.1%)
5.45M
est: 5.15M (+5.8%)
20.00M
est: 6.53M (+206.4%)
22.90M
est: 7.93M (+188.8%)
9.04M
9.04M – 9.04M
+14.1% YoY
9.97M
9.97M – 9.97M
+10.2% YoY
11.32M
11.32M – 11.32M
+13.5% YoY
EBIT
-1.60M
est: -32.1K (-4,870.7%)
-4.26M
est: -56.80M (+92.5%)
-953.0K
est: -124.80M (+99.2%)
3.45M
est: -399.55M (+100.9%)
4.57M
est: 4.38M (+4.4%)
19.07M
est: 5.55M (+243.7%)
21.68M
est: 6.74M (+221.5%)
7.69M
7.69M – 7.69M
+14.1% YoY
8.48M
8.48M – 8.48M
+10.2% YoY
9.62M
9.62M – 9.62M
+13.5% YoY
Net Income
-13.50M
est: -24.76M (+45.5%)
-13.60M
est: -56.80M (+76.0%)
-3.68M
est: -124.80M (+97.1%)
9.76M
est: 12.01M (-18.7%)
3.16M
14.02M
est: 13.13M (+6.8%)
15.16M
est: 12.94M (+17.2%)
14.59M
14.59M – 14.59M
+12.8% YoY
17.92M
17.92M – 17.92M
+22.8% YoY
20.70M
20.70M – 20.70M
+15.5% YoY
SGA
9.85M
est: 1.98M (+398.0%)
9.81M
est: 976.6K (+904.0%)
9.12M
est: 4.87M (+87.1%)
10.85M
est: 8.55M (+26.8%)
2.61M
est: 8.32M (-68.7%)
3.48M
est: 10.55M (-67.0%)
—
est: 12.82M (-100.0%)
14.62M
14.62M – 14.62M
+14.1% YoY
16.12M
16.12M – 16.12M
+10.2% YoY
18.29M
18.29M – 18.29M
+13.5% YoY
EPS
-0.18
est: -0.13 (-37.4%)
-0.13
est: -0.13 (+3.0%)
-0.02
est: -0.03 (+15.0%)
0.06
est: 0.05 (+10.6%)
0.02
0.08
est: 0.07 (+7.0%)
0.09
est: 0.07 (+24.0%)
0.08
0.08 – 0.08
+12.8% YoY
0.10
0.10 – 0.10
+22.8% YoY
0.12
0.12 – 0.12
+15.5% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-28 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-27 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-26 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-22 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-21 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-20 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-19 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-18 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-15 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-14 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-13 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-12 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-11 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-08 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-07 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-06 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-05 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-05-01 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-04-30 A- 4/5 1/5 4/5 4/5 3/5 4/5 4/5
2026-04-29 A- 4/5 1/5 4/5 5/5 3/5 4/5 4/5
2026-04-28 A- 4/5 1/5 4/5 5/5 3/5 4/5 4/5
2026-04-27 A- 4/5 1/5 4/5 5/5 3/5 4/5 4/5
2026-04-24 A- 4/5 1/5 4/5 5/5 2/5 4/5 4/5
2026-04-23 A- 4/5 1/5 4/5 5/5 2/5 4/5 4/5
2026-04-22 A- 4/5 1/5 4/5 5/5 2/5 4/5 4/5
2026-04-21 A- 4/5 1/5 4/5 5/5 2/5 4/5 4/5
2026-04-20 A- 4/5 1/5 4/5 5/5 2/5 4/5 4/5
2026-04-17 A- 4/5 1/5 4/5 5/5 2/5 4/5 4/5
2026-04-16 A- 4/5 1/5 4/5 5/5 2/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.07M
OE per share TTM
0.01
Owner's Yield
1.20%
Maintenance CapEx ratio
16.58%
Maint CapEx / Avg PPE
4.5%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
158.2K
Shares Outstanding
164.09M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Carl Mark D'Ammassa Chief Executive Officer & Executive Director 1M male
Sameera Kauser Khaliq Chief Financial Officer & Executive Director 432.5K female
Goi Ashmore Chief Risk Officer — male
James Felton Director of Corporate Development — male
John Wood Chief Lending Officer — male
Kam Bansil Head of Investor Relations — —
Karen D'Souza General Counsel & Company Secretary — female
Paul Atherton Chief Technology Officer — male
Richard Baxter Chief Revenue Officer — male
Charlie Michael Chief Operations Officer — female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits

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