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INDICATIVE · SAMPLE DATA
DFCH58

Distribution Finance Capital Holdings PLC

Consumer LendingVerified

The company's capital structure is characterized by a lack of dilution risk, as shares outstanding for both basic and diluted scenarios are identical at 166.73 million. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. This lack of liquidity data limits the ability to evaluate the company's short-term financial flexibility. Profitability and returns metrics are not available in the current dataset, which prevents a direct comparison to industry_config preferred metrics or cohort medians. Without access to key profitability indicators such as net interest margin or return on equity, it is not possible to assess the company's performance relative to its peers in the consumer lending industry. The company's segments and geographic exposure are not disclosed in the available data, making it impossible to evaluate revenue concentration or geographic diversification. This lack of segmental data limits the ability to assess the company's exposure to specific markets or product lines. Growth trajectory is also unclear, as the outlook for the current and next fiscal years does not include numeric deltas or revenue history. Analysts have provided a uniform price target of 90.00 GBP, with a mean recommendation of 1.00 (strong buy), but this does not translate into a quantifiable growth forecast. Risk factors include the inability to assess liquidity risk, which could impact the company's ability to meet short-term obligations. The dilution risk is currently low, as there is no difference between basic and diluted shares outstanding. However, the absence of balance-sheet inputs and going-concern language in source documents raises concerns about the company's financial health and transparency. Recent events, including filings and transcripts, are not detailed in the available data. Analysts have provided a strong buy recommendation, but the uniformity of the price target and the lack of detailed analyst commentary suggest limited insight into the company's near-term prospects.

30-day price · DFCH+7.50 (+14.3%)
Low$52.50High$61.00Close$60.00As of13 May, 00:00 UTC
Profile
CompanyDistribution Finance Capital Holdings PLC
TickerDFCH.L
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryConsumer Lending
AI analysis

Business. Distribution Finance Capital Holdings PLC provides consumer finance and lending services in the United Kingdom and internationally.

Classification. The company is classified under the Financials economic sector, Banking & Investment Services business sector, and Consumer Lending industry with a confidence level of 0.92.

The company's capital structure is characterized by a lack of dilution risk, as shares outstanding for both basic and diluted scenarios are identical at 166.73 million. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. This lack of liquidity data limits the ability to evaluate the company's short-term financial flexibility. Profitability and returns metrics are not available in the current dataset, which prevents a direct comparison to industry_config preferred metrics or cohort medians. Without access to key profitability indicators such as net interest margin or return on equity, it is not possible to assess the company's performance relative to its peers in the consumer lending industry. The company's segments and geographic exposure are not disclosed in the available data, making it impossible to evaluate revenue concentration or geographic diversification. This lack of segmental data limits the ability to assess the company's exposure to specific markets or product lines. Growth trajectory is also unclear, as the outlook for the current and next fiscal years does not include numeric deltas or revenue history. Analysts have provided a uniform price target of 90.00 GBP, with a mean recommendation of 1.00 (strong buy), but this does not translate into a quantifiable growth forecast. Risk factors include the inability to assess liquidity risk, which could impact the company's ability to meet short-term obligations. The dilution risk is currently low, as there is no difference between basic and diluted shares outstanding. However, the absence of balance-sheet inputs and going-concern language in source documents raises concerns about the company's financial health and transparency. Recent events, including filings and transcripts, are not detailed in the available data. Analysts have provided a strong buy recommendation, but the uniformity of the price target and the lack of detailed analyst commentary suggest limited insight into the company's near-term prospects.
Key takeaways
  • The company has no dilution risk as shares outstanding for basic and diluted scenarios are the same.
  • Liquidity risk could not be assessed due to missing balance-sheet inputs and no going-concern language in source documents.
  • Analysts have provided a strong buy recommendation with a uniform price target of 90.00 GBP.
  • Profitability and returns metrics are not available, limiting the ability to compare the company to industry peers.
  • Geographic and segmental exposure data are not disclosed, making it difficult to assess revenue concentration.
  • Growth trajectory is unclear due to the absence of numeric deltas and revenue history in the outlook.
  • --
  • ## RATIONALES
Financial snapshot
PeriodHA-latest
CurrencyGBP
Revenue
Gross profit
Operating income
Net income
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4$13.7M-$3.7M-$3.7M-$3.9M
FY-3$26.8M$1.3M$9.8M$9.2M
FY-2$61.1M$4.6M$3.2M$3.5M
FY-1$78.4M$19.1M$14.0M$13.9M
FY0$91.6M$19.6M$15.2M$12.7M
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$388.6M$86.1M
FY-3$582.5M$96.2M$107.4M
FY-2$691.9M$100.4M$89.6M
FY-1$786.5M$115.4M$110.0M
FY0$999.8M$127.2M$131.7M
PeriodOCFCapExFCFSBC
FY-4$13.2M-$839.0k-$3.9M
FY-3-$3.4M-$1.2M$9.2M
FY-2-$37.7M-$535.0k$3.5M
FY-1$9.2M-$1.0M$13.9M
FY0$33.0M-$3.7M$12.7M
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodOCFCapExFCFSBC
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banking · cohort 265 companies
MetricDFCHActivity
Op margin29.4% medp25 11.0% · p75 55.5%
Net margin14.7% medp25 3.8% · p75 30.9%
Gross margin63.7% medp25 42.1% · p75 95.0%
CapEx / revenue-1.4% medp25 -3.9% · p75 -0.4%
Debt / equity121.9% medp25 14.0% · p75 332.1%
Observations
IR observations
Mean price target90.00 GBP
Median price target90.00 GBP
High price target90.00 GBP
Low price target90.00 GBP
Mean recommendation1.00 (1=strong buy, 5=strong sell)
Strong-buy count1.00
Buy count0.00
Hold count0.00
Sell count0.00
Strong-sell count0.00
Mean EPS estimate0.08 GBP
Last actual EPS0.08 GBP
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-11 00:06 UTC#25959059
Market quoteclose GBP 59.80 · shares 0.17B diluted
no public URL
2026-05-11 00:06 UTC#de1d51ae
Source: analysis-pipeline (hybrid)Generated: 2026-05-27 18:30 UTCJob: c28bde3e