| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 5/6 |
| Past Performance | 0/6 |
| Financial Health | 5/6 |
| Dividends | 0/6 |
DFCH Stock Overview
Distribution Finance Capital Holdings plc, an investment holding company, operates as a specialist personal savings and commercial lending bank in the United Kingdom.
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | UK£0.48 |
| 52 Week High | UK£0.73 |
| 52 Week Low | UK£0.40 |
| Beta | 1.18 |
| 1 Month Change | -1.02% |
| 3 Month Change | -16.38% |
| 1 Year Change | -28.15% |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | -58.72% |
Recent News & Updates
Shareholder Returns
| DFCH | GB Diversified Financial | GB Market | |
|---|---|---|---|
| 7D | 1.0% | 1.0% | -0.5% |
| 1Y | -28.1% | 9.4% | 8.7% |
Return vs Industry: DFCH underperformed the UK Diversified Financial industry which returned 9.4% over the past year.
Return vs Market: DFCH underperformed the UK Market which returned 8.7% over the past year.
Price Volatility
| DFCH volatility | |
|---|---|
| DFCH Average Weekly Movement | 4.4% |
| Diversified Financial Industry Average Movement | 4.6% |
| Market Average Movement | 5.0% |
| 10% most volatile stocks in GB Market | 10.7% |
| 10% least volatile stocks in GB Market | 2.5% |
Stable Share Price: DFCH is not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: DFCH's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2016 | 74 | Carl D'Ammassa | https://www.dfcapital.co.uk |
Distribution Finance Capital Holdings plc, an investment holding company, operates as a specialist personal savings and commercial lending bank in the United Kingdom. The company offers working capital funding solutions to dealers and manufacturers. It engages in inventory finance, short-term working capital, invoice discounting, asset finance, and leasing finance.
Distribution Finance Capital Holdings Fundamentals Summary
| DFCH fundamental statistics | |
|---|---|
| Market Cap | UK£85.56m |
| Earnings (TTM) | -UK£8.70m |
| Revenue (TTM) | UK£5.64m |
15.2x
P/S Ratio-9.8x
P/E RatioIs DFCH overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| DFCH income statement (TTM) | |
|---|---|
| Revenue | UK£5.64m |
| Cost of Revenue | UK£0 |
| Gross Profit | UK£5.64m |
| Expenses | UK£14.34m |
| Earnings | -UK£8.70m |
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | -0.049 |
| Gross Margin | 100.00% |
| Net Profit Margin | -154.17% |
| Debt/Equity Ratio | 0.06% |
How did DFCH perform over the long term?
See historical performance and comparisonValuation
Is Distribution Finance Capital Holdings undervalued compared to its fair value and its price relative to the market?
0.98x
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate DFCH's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate DFCH's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: DFCH is unprofitable, so we can't compare its PE Ratio to the UK Diversified Financial industry average.
PE vs Market: DFCH is unprofitable, so we can't compare its PE Ratio to the UK market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate DFCH's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: DFCH is good value based on its PB Ratio (1x) compared to the GB Diversified Financial industry average (1.2x).
Future Growth
How is Distribution Finance Capital Holdings forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
89.2%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: DFCH is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (0.9%).
Earnings vs Market: DFCH is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: DFCH's is expected to become profitable in the next 3 years.
Revenue vs Market: DFCH's revenue (50.5% per year) is forecast to grow faster than the UK market (4.9% per year).
High Growth Revenue: DFCH's revenue (50.5% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: DFCH's Return on Equity is forecast to be low in 3 years time (16.4%).
Past Performance
How has Distribution Finance Capital Holdings performed over the past 5 years?
-23.9%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: DFCH is currently unprofitable.
Growing Profit Margin: DFCH is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: DFCH is unprofitable, and losses have increased over the past 5 years at a rate of 23.9% per year.
Accelerating Growth: Unable to compare DFCH's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: DFCH is unprofitable, making it difficult to compare its past year earnings growth to the Diversified Financial industry (-10.1%).
Return on Equity
High ROE: DFCH has a negative Return on Equity (-9.96%), as it is currently unprofitable.
Financial Health
How is Distribution Finance Capital Holdings's financial position?
Financial Position Analysis
Short Term Liabilities: DFCH's short term assets (£201.2M) exceed its short term liabilities (£174.7M).
Long Term Liabilities: DFCH's short term assets (£201.2M) exceed its long term liabilities (£733.0K).
Debt to Equity History and Analysis
Debt Level: DFCH has more cash than its total debt.
Reducing Debt: Insufficient data to determine if DFCH's debt to equity ratio has reduced over the past 5 years.
Balance Sheet
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: Whilst unprofitable DFCH has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.
Forecast Cash Runway: DFCH is unprofitable but has sufficient cash runway for more than 3 years, due to free cash flow being positive and growing by 50.6% per year.
Dividend
What is Distribution Finance Capital Holdings's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate DFCH's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate DFCH's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if DFCH's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if DFCH's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of DFCH's dividend in 3 years as they are not forecast to pay a notable one for the UK market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
1.0yrs
Average management tenure
CEO
Carl D'Ammassa (47 yo)
1.83yrs
Tenure
Mr. Carl Mark D'Ammassa has been CEO and a Director of Distribution Finance Capital Holdings plc since March 9, 2020. He served as the Chief Executive Officer at Hydrex Group Ltd. Mr. D'Ammassa serves as a...
Leadership Team
Experienced Management: DFCH's management team is not considered experienced ( 1 years average tenure), which suggests a new team.
Board Members
Experienced Board: DFCH's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: DFCH insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have been substantially diluted in the past year, with total shares outstanding growing by 70.1%.
Top Shareholders
Company Information
Distribution Finance Capital Holdings plc's employee growth, exchange listings and data sources
Key Information
- Name: Distribution Finance Capital Holdings plc
- Ticker: DFCH
- Exchange: AIM
- Founded: 2016
- Industry: Specialized Finance
- Sector: Diversified Financials
- Implied Market Cap: UK£85.557m
- Shares outstanding: 176.41m
- Website: https://www.dfcapital.co.uk
Number of Employees
Location
- Distribution Finance Capital Holdings plc
- St James’ Building
- 61-95 Oxford Street
- Manchester
- Greater Manchester
- M1 6EJ
- United Kingdom
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/01/21 00:15 |
| End of Day Share Price | 2022/01/20 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.