# Distribution Finance Capital Holdings plc (DFCH.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services / Consumer Finance. Price 76p, market value 124 millionp.

## Valuation
- **P/E (trailing): 9.5×** (5-yr avg 762.5×, 3-yr avg 814.8×). Distribution Finance Capital Holdings plc trades at 9.5× trailing earnings, well below its own five-year average of 762.5×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 6.7×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.48**. A PEG of 0.48 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.8×**. Each dollar of revenue is priced at 0.8×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 1.0×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **EV / EBITDA: 0.1×**. Enterprise value is 0.1× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: -1.8%** (5-yr avg -0.1%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 10.6%**. The inverse of the P/E: 10.6% of the price is earned each year.

## Profitability
- **Gross margin: 66.2%**. Distribution Finance Capital Holdings plc keeps 66.2% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 27.6%**. 27.6% of revenue is left after running the business, an exceptional level.
- **Net margin: 16.5%**. 16.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 11.9%**. 11.9% on shareholders' equity is solid.
- **Return on invested capital: 442.4%**. Return on all capital, debt included, is 442.4%: comfortably above what that capital costs.
- **Return on assets: 2.9%**. Each dollar of assets produces 2.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 17.9%** (3-yr 51.3%/yr, 5-yr 55.0%/yr). Revenue grew 17.9% over the last year, against 55.0% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 13.9%** (3-yr 15.1%/yr). Earnings per share rose 13.9%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 72.5%/yr**. Free cash flow has compounded at 72.5% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: 138 millionp**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Distribution Finance Capital Holdings plc does not currently pay a dividend, but it returned 4.2% of its market value through buybacks over the last year.

## Price and momentum
- **Total return (1 yr): 62.6%** (YTD 45.1%, 3-mo 35.8%). The shares are up 62.6% over twelve months including dividends.
- **From 52-week high: -2.8%** (68.2% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 73**. An RSI of 73 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): 0.53** (volatility 39%). Beta of 0.53 against the FTSE All-Share: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=DFCH.L · Page: https://foliofundamentals.com/stocks/dfch.l

Not investment advice.