DF
DFCH.L
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London Stock Exchange
Consumer Lending
Distribution Finance Capital Holdings PLC
Last 30 days
1D5D1M3M6MYTD1Y5YMax
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About
Distribution Finance Capital Holdings PLC provides consumer finance and lending services in the United Kingdom and internationally.
Business. Distribution Finance Capital Holdings PLC (DFCH.L) is a financial services company operating in the consumer lending industry. The firm is headquartered in the United Kingdom and is primarily listed on the London Stock Exchange. Specific details regarding its operating segments and geographic revenue mix are not available.
Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryConsumer Lending
ActivityBanking
Generated · model-assisted
Sell-side consensus
BUY1 analysts
1 buy0 hold0 sell
Avg 12m price target90,00
Analyst recommendations
1 analysts · consensus BuyBuy1
Hold0
Sell0
12-month price target
90,00
Consensus of sell-side coverage.
At a glance
Score
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not yet scored
Valuation
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valuation pending
Analysts→
Buy
1 analysts · indicative
Ownership
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not yet wired
Profitability
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not yet wired
Quality
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not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to DFCH.L. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
Distribution Finance Capital Holdings PLC (DFCH.L) is a financial services company operating in the consumer lending industry. The firm is headquartered in the United Kingdom and is primarily listed on the London Stock Exchange. Specific details regarding its operating segments and geographic revenue mix are not available.
Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryConsumer Lending
ActivityBanking
AI synthesis
GENERATED— missing data
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.
Bull / Bear case
Generated · model-assistedBULL CASE · 5
Revenue grew 60.7% annually over four years, demonstrating strong top-line expansion for the distribution finance business.
Analysts assign a strong buy rating with a 90.0p target, implying 63.6% upside from the current 55.0p price.
Net income surged to 15.2 million GBP in the latest period, reflecting an 8.1% year-over-year increase.
Total assets expanded by 27.1% year-over-year to nearly 1 billion GBP, indicating significant balance sheet growth.
Operating income reached 19.6 million GBP in the latest period, showing improved operational profitability compared to prior years.
BEAR CASE · 4
Long-term debt increased to 858 million GBP in the latest period, significantly outpacing equity growth of 127 million GBP.
Operating income growth slowed to just 3.0% year-over-year, indicating diminishing returns on recent revenue expansion efforts.
Net income growth of 8.1% lagged behind the 16.8% revenue growth, highlighting margin compression pressures.
The company carries substantial leverage with long-term debt exceeding eight times the latest reported net income figure.
In focus — financials by report
Annual
ANNUALFiled 2025-04-02
FY 2025 · Full-year highlights
Revenue £78.4M, +28,4% YoY; Operating income +317,1% YoY.
Revenue£78.4M+28,4 % YoY
Operating income£19.1M+317,1 % YoY
Net income£14.0M+344,4 % YoY
Free cash flow£13.9M+298,6 % YoY
EPS—
Operating cash flow£9.2M+124,4 % YoY
Financials
Income statement
Revenue£78.4M
Gross profit£45.6M
Operating income£19.1M
Net income£14.0M
Margins
Gross margin58.1%
Operating margin24.3%
Net margin17.9%
FCF margin17.8%
Balance sheet
Total assets£786.5M
Total liabilities£671.2M
Total equity£115.4M
Cash & equivalents£110.0M
Long-term debt£659.9M
Cash flow
Operating cash flow£9.2M
CapEx-£1.0M
Free cash flow£13.9M
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue £78.4M, +28,4% YoY
- ▍Operating income +317,1% YoY
- ▍Net income +344,4% YoY
- ▍Free cash flow +298,6% YoY
- ▍Net margin 17.9%
ANNUALFiled 2024-04-09
FY 2024 · Full-year highlights
Revenue £61.1M, +127,5% YoY; Operating income +250,7% YoY.
Revenue£61.1M+127,5 % YoY
Operating income£4.6M+250,7 % YoY
Net income£3.2M−67,7 % YoY
Free cash flow£3.5M−62,1 % YoY
EPS—
Operating cash flow-£37.7M−1 006,6 % YoY
Financials
Income statement
Revenue£61.1M
Gross profit£38.0M
Operating income£4.6M
Net income£3.2M
Margins
Gross margin62.2%
Operating margin7.5%
Net margin5.2%
FCF margin5.7%
Balance sheet
Total assets£691.9M
Total liabilities£591.5M
Total equity£100.4M
Cash & equivalents£89.6M
Long-term debt£585.8M
Cash flow
Operating cash flow-£37.7M
CapEx-£535.0k
Free cash flow£3.5M
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue £61.1M, +127,5% YoY
- ▍Operating income +250,7% YoY
- ▍Net income −67,7% YoY
- ▍Free cash flow −62,1% YoY
- ▍Net margin 5.2%
ANNUALFiled 2023-04-19
FY 2023 · Full-year highlights
Revenue £26.8M, +95,6% YoY; Operating income +134,9% YoY.
Revenue£26.8M+95,6 % YoY
Operating income£1.3M+134,9 % YoY
Net income£9.8M+365,5 % YoY
Free cash flow£9.2M+334,1 % YoY
EPS—
Operating cash flow-£3.4M−125,9 % YoY
Financials
Income statement
Revenue£26.8M
Gross profit£20.4M
Operating income£1.3M
Net income£9.8M
Margins
Gross margin76.1%
Operating margin4.9%
Net margin36.4%
FCF margin34.4%
Balance sheet
Total assets£582.5M
Total liabilities£486.3M
Total equity£96.2M
Cash & equivalents£107.4M
Long-term debt£480.2M
Cash flow
Operating cash flow-£3.4M
CapEx-£1.2M
Free cash flow£9.2M
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue £26.8M, +95,6% YoY
- ▍Operating income +134,9% YoY
- ▍Net income +365,5% YoY
- ▍Free cash flow +334,1% YoY
- ▍Net margin 36.4%
ANNUALFiled 2022-04-13
FY 2022 · Full-year highlights
Revenue £13.7M; Operating income -£3.7M.
Revenue£13.7M
Operating income-£3.7M
Net income-£3.7M
Free cash flow-£3.9M
EPS—
Operating cash flow£13.2M
Financials
Income statement
Revenue£13.7M
Gross profit£11.4M
Operating income-£3.7M
Net income-£3.7M
Margins
Gross margin83.0%
Operating margin-27.2%
Net margin-26.8%
FCF margin-28.7%
Balance sheet
Total assets£388.6M
Total liabilities£302.6M
Total equity£86.1M
Cash & equivalents—
Long-term debt£297.4M
Cash flow
Operating cash flow£13.2M
CapEx-£839.0k
Free cash flow-£3.9M
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue £13.7M
- ▍Operating income -£3.7M
- ▍Net margin -26.8%
Valuation FY
Market price
$55,00
Market cap
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ROAⓘ
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ROEⓘ
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SBC / revenueⓘ
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Dilution ratioⓘ
0.0%
Revenue by segment
Business relationships
— missing data
Supply chain
— missing data
Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Next quarternear-term
Earnings · next quarterconf 45 %
EPS
Consensus EPS
0,08
Predicted surprise
+0,00
Beat probability
45 %
Analysts
1
Other metrics
Revenue
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no estimate
Segment revenue
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no estimate
Margin
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no estimate
Segment margin
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no estimate
as of 2026-05-11 · Earnings Surprise V1
Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
Full fiscal year~1 year ahead
Full fiscal year · our forecast vs guidance vs consensus
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 0,08 |
| Revenue | —no estimate | —no estimate | —no estimate |
| Operating income | —no estimate | —no estimate | —no estimate |
Full-year consensus mean (period as reported by source) · consensus in GBP. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
Probabilistic model output — not investment advice. · generated 2026-08-04
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Consensus distribution
sell-side coverageRecommendation distribution1 analysts
Strong buy1
Buy0
Hold0
Sell0
Strong sell0
12-month price target$90,00 · Median $90,00
Low $90,00High $90,00
EPS surprise
+3,5 %
reported vs consensus · beat
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
Low$90,00
Mean$90,00
Median$90,00
High$90,00
Spot$55,00
+63.6 %implied to mean12-month sell-side price targets · ▲ spot
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskLow
Liquidity riskUnknown
Benchmarks vs cohort
No cohort benchmark data available for this issuer yet.
Corporate actions / M&A
— missing data
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
— missing data
Actions
Ask Handelsavisen
— missing data
Data sources
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
How metrics are computed
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
Source documents
- Distribution Finance Capital Holdings PLC Market data — financials · 2026-05-27
- Distribution Finance Capital Holdings PLC Market data — analyst estimates · 2026-05-27
Ownership & reference
Leadership
- Carl D'ammassaChief Executive Officer, Executive Director
Insider activity
— missing data
Short positioning
— missing data
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
DFCH.LCanonical
London Stock Exchange · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskLow
Liquidity riskUnknown
Evidence & claims
From filings & derived data— missing data
The Thread
Everything we know, in order2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
2025-04-02 07:00 UTCEARNINGSAnnual results — FY 2025 Revenue GBP 78.4M · Net GBP 14.0M
2024-04-09 07:00 UTCEARNINGSAnnual results — FY 2024 Revenue GBP 61.1M · Net GBP 3.2M
2023-04-19 07:00 UTCEARNINGSAnnual results — FY 2023 Revenue GBP 26.8M · Net GBP 9.8M
2022-04-13 07:00 UTCEARNINGSAnnual results — FY 2022 Revenue GBP 13.7M · Net GBP -3.7M
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data
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