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DFCH

Distribution Finance Capital HoldingsAIM:DFCH Stock Report

Market Cap

UK£100.6m

7D

0%

1Y

12.9%

Updated

30 Nov, 2021

Data

Company Financials +
DFCH fundamental analysis
Snowflake Score
Valuation1/6
Future Growth5/6
Past Performance0/6
Financial Health5/6
Dividends0/6

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

Summary of all time highs, changes and price drops for Distribution Finance Capital Holdings
Historical stock prices
Current Share PriceUK£0.57
52 Week HighUK£0.73
52 Week LowUK£0.49
Beta1.33
1 Month Change-1.72%
3 Month Change-1.72%
1 Year Change12.87%
3 Year Changen/a
5 Year Changen/a
Change since IPO-51.49%

Recent News & Updates

Shareholder Returns

DFCHGB Diversified FinancialGB Market
7D0%-3.6%-2.6%
1Y12.9%-4.1%10.9%

Return vs Industry: DFCH exceeded the UK Diversified Financial industry which returned -4.1% over the past year.

Return vs Market: DFCH exceeded the UK Market which returned 10.9% over the past year.

Price Volatility

Is DFCH's price volatile compared to industry and market?
DFCH volatility
DFCH Average Weekly Movement1.6%
Diversified Financial Industry Average Movement3.3%
Market Average Movement4.9%
10% most volatile stocks in GB Market9.8%
10% least volatile stocks in GB Market2.5%

Stable Share Price: DFCH is less volatile than 75% of UK stocks over the past 3 months, typically moving +/- 2% a week.

Volatility Over Time: DFCH's weekly volatility (2%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
201674Carl D'Ammassahttps://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

How do Distribution Finance Capital Holdings's earnings and revenue compare to its market cap?
DFCH fundamental statistics
Market CapUK£100.55m
Earnings (TTM)-UK£8.70m
Revenue (TTM)UK£5.64m

17.8x

P/S Ratio

-11.6x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
DFCH income statement (TTM)
RevenueUK£5.64m
Cost of RevenueUK£0
Gross ProfitUK£5.64m
ExpensesUK£14.34m
Earnings-UK£8.70m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.049
Gross Margin100.00%
Net Profit Margin-154.17%
Debt/Equity Ratio0.06%

How did DFCH perform over the long term?

See historical performance and comparison

Valuation

Is Distribution Finance Capital Holdings undervalued compared to its fair value and its price relative to the market?

1.15x

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 (1.2x) compared to the GB Diversified Financial industry average (1.3x).


Future Growth

How is Distribution Finance Capital Holdings forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?

85.3%

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 (49.6% per year) is forecast to grow faster than the UK market (4.9% per year).

High Growth Revenue: DFCH's revenue (49.6% 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 (17%).


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?

0.8yrs

Average management tenure


CEO

Carl D'Ammassa (47 yo)

1.67yrs

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 ( 0.8 years average tenure), which suggests a new team.


Board Members

Experienced Board: DFCH's board of directors are not considered experienced ( 1.7 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: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


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
  • Market Cap: UK£100.551m
  • 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/11/30 21:51
End of Day Share Price2021/11/30 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.