Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
DFCH.L
BuyFLAGDistribution Finance Capital Holdings plc · Financial Services · United Kingdom · $158M · Avg Vol: $316K/d
Distribution Finance Capital has strong momentum at M78 and a 10.7% upward revision, but quality Q51 and value V47 both miss the calibrated requirements, with value below the floor, and a positive revision is not an accepted corroborating signal.
COMPANY DESCRIPTION
Distribution Finance Capital Holdings plc provides niche working capital and inventory finance solutions to dealers and manufacturers in the United Kingdom. The company operates a highly specialized, technology-enabled lending model with low loss rates, secured against physical assets like caravans and motorhomes. It is a niche specialty finance provider with a highly scalable, asset-backed lending platform.
FINANCIAL SUMMARY (GBP)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 20.4M | 37.9M | 45.4M | 55.7M | 39.7% | 52.4M | 110.6M | 123.1M | 48.7% |
| EPS (GBp) | -2.00 | 5.00 | 1.80 | 7.80 | 9.24 | 22.7% | 8.05 | 10.95 | 12.49 | 16.3% |
| Shares | — | 176.4M | 176.4M | 176.7M | 164.1M | -7.0% | 164.5M | — | — | — |
| Debt | — | 0.4M | 11.4M | 10.3M | 17.7M | 255.5% | 19.1M | — | — | — |
| Equity | — | 96.2M | 100.4M | 115.4M | 127.2M | 9.8% | — | — | — | — |
| Op CF | — | -3.4M | -37.7M | 9.2M | 33.0M | 258.1% | 33.2M | — | — | — |
| Inv CF | — | 84.6M | 8.3M | 14.2M | -3.6M | — | — | — | — | — |
| Fin CF | — | -0.1M | 9.7M | -1.7M | -1.3M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of DFCH.L are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| DFCH.L | Distribution Finance Capital Holdings plc(you) | $158M | 76 | Buy |
| TIME.L | Time Finance plc | $71M | 80 | Buy |
| SUS.L | S&U plc | $329M | 52 | Hold |
| FCH.L | Funding Circle Holdings plc | $878M | 59 | Hold |
| BANK.L | Fiinu Plc | $31M | 1 | Strong Sell |
| REC.L | Record plc | $114M | 75 | Buy |
| IPX.L | Impax Asset Management Group Plc | $187M | 83 | Strong Buy |
| BSRT.L | Baker Steel Resources Trust Ltd. | $201M | 67 | Buy |
| GPM.L | Golden Prospect Precious Metals Ltd. | $126M | 66 | Buy |
| PGH.L | Personal Group Holdings Plc | $168M | 89 | Strong Buy |
Peer medians: ROE 10.7% · P/E 12.3x · Gross margin 94.6%