Distribution Finance Capital Holdings PLC (DFCH) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of Distribution Finance Capital Holdings PLC stock £1.20, price £0.71, upside +70.2%, quality 62 out of 100. Rating: strongly undervalued. Calculated from audited financials with 10 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range £0.1900 – £1.33 · fair‑value band £0.9000 – £1.49 · the £0.7050 price screens below the £1.20 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Distribution Finance Capital Holdings plc, an investment holding company, personal savings and commercial lending banking business in the United Kingdom. The company offers working capital funding solutions to distributors and manufacturers.
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It serves the agricultural, motorcycle, industrial, automotive, lodges, marine, motorhomes and caravans, and transport sectors. Distribution Finance Capital Holdings plc was founded in 2016 and is headquartered in Manchester, United Kingdom.
Stock analysis
Distribution Finance Capital Holdings PLC (DFCH) currently trades at £0.7050, while our model-based Fair Value estimate is £1.20, implying the stock looks roughly 41% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of £1.93 per share, and 9 of the 10 models we run sit above the £0.7050 price.
Bear case: the Asset-Based group reads lowest at £0.5100, and 1 of the 10 models stay below the price. Data coverage for this calculation is low.
Scenario range: £0.9000 (bear) to £1.49 (bull), the price of £0.7050 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 62/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Distribution Finance Capital Holdings PLC reported revenue of £92.1M in FY2025 versus £13.5M in FY2021, a compound +61.5%/yr. Reported net income was £15.2M in FY2025.
Key figures
Market cap £124M Micro · P/E ratio 6.4 · P/S ratio 2.07 · EPS (TTM) £0.1100 · Net margin 30.9% · Return on equity 14.5% · Return on assets (EBIT) 1.0% (5-year average) · Operating margin 44.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 70 out of 100 (low confidence).
What moves the price
The share trades about 9% below its 52-week high and 48% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 70%, DFCH screens cheaper than that median.
Fair Value models
Bear£0.9000Fair Value £1.20Bull£1.49
Price £0.7050 · Upside +70.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (£0.0943 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.91/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+17.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+51.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+55.0%
Start year 2020 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+174.2%
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What shareholders gained per year (last 3 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+15.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+15.4%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−41% → 24%
2025 sits 52% above its own trend. The rate follows the median trend of the last 3 years, not that single year.
Compare Distribution Finance Capital Holdings PLC with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks
Beats the industry median on 10/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score62 · Above median
Fair Value upside+70.2% · Above median
Profitability
Return on equity (12 months)14.5% · Above median
Return on assets1.5% · Below median
Net margin (12 months)30.9% · Above median
Operating margin (12 months)44.4% · Above median
Growth and dividend
Revenue growth (quarter YoY)31.5% · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)6.4× · Cheapest 25%
P/B0.98× · Cheaper than median
P/S (12 months)2.07× · Cheaper than median
Price / free cash flow (fiscal year)6.2× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)100· sector 59
FUTURE (revenue growth)100· sector 57
PAST (return on equity)58· sector 39
HEALTH (low debt)–
DIVIDEND (yield)0· sector 64
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Distribution Finance Capital Holdings PLC Fair Value". https://www.fairvalue-calculator.com/stock/DFCH
Frequently asked questions
Is Distribution Finance Capital Holdings PLC (DFCH) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of £1.20 versus a price of £0.7050, about +70% upside (undervalued).
What is the fair value of DFCH?
Our model-based fair value for Distribution Finance Capital Holdings PLC is £1.20 (as of Nov 8, 2026), built from audited fundamentals. The current price: £0.7050.
What is the quality score of DFCH?
Distribution Finance Capital Holdings PLC has a Quality Score of 62/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Distribution Finance Capital Holdings PLC (DFCH)?
Our model-based price target is the fair value of £1.20 (as of Nov 8, 2026) from 10 valuation models. Cautious scenario £0.9000, optimistic scenario £1.49. It is a calculation from audited fundamentals, not an analyst target.
What is the Distribution Finance Capital Holdings PLC stock forecast for 2026?
Our models put fair value at £1.20, about +70% upside versus a price of £0.7050 (undervalued). Cautious scenario £0.9000, optimistic scenario £1.49. The calculation is refreshed regularly with new filings.
What is the revenue of Distribution Finance Capital Holdings PLC (DFCH)?
Distribution Finance Capital Holdings PLC reported trailing-twelve-month revenue of about £60.0M (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Distribution Finance Capital Holdings PLC (DFCH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Distribution Finance Capital Holdings PLC it is £1.20 per share (as of Nov 8, 2026), against a price of £0.7050. It is the blended result of 10 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Distribution Finance Capital Holdings PLC stock overvalued or undervalued in 2026?
As of Nov 8, 2026, DFCH trades below its calculated fair value: price £0.7050, fair value £1.20, a gap of about +70% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of DFCH?
No. The price is what the market pays today (£0.7050); the fair value is what the company's own numbers justify (£1.20). For Distribution Finance Capital Holdings PLC the two are £0.4950 per share apart. That gap is exactly why we show both numbers side by side.
How much is Distribution Finance Capital Holdings PLC worth?
The market values Distribution Finance Capital Holdings PLC at about £124M (market capitalisation, as of Nov 8, 2026). Per share that is £0.7050; our models calculate a fair value of £1.20 per share.
What do the bullish and bearish scenarios say about DFCH?
Our models span a range for Distribution Finance Capital Holdings PLC: cautious scenario £0.9000, base £1.20, optimistic £1.49 per share (as of Nov 8, 2026, price £0.7050). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of DFCH?
Distribution Finance Capital Holdings PLC trades at a price-to-earnings ratio of 6.4 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £1.20 is built from several models across several years. Other multiples: P/B 1.0, P/S 2.1.
How solid is the balance sheet of Distribution Finance Capital Holdings PLC (DFCH)?
Balance-sheet figures for Distribution Finance Capital Holdings PLC (as of Nov 8, 2026): return on equity 14.5%. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is DFCH from its 52-week high?
Distribution Finance Capital Holdings PLC trades at £0.7050, about 9% below its 52-week high of £0.7740 and 48% above the low of £0.4750 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of £1.20 is for.
Which stocks are comparable to Distribution Finance Capital Holdings PLC?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Distribution Finance Capital Holdings PLC stock attractive at the current price?
The data as of Nov 8, 2026: price £0.7050, calculated fair value £1.20 (+70%), Quality Score 62/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of DFCH calculated?
We run Distribution Finance Capital Holdings PLC through 10 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of £1.20 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Distribution Finance Capital Holdings PLC currently trades 41% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Distribution Finance Capital Holdings PLC (DFCH)?
The closing price on Nov 9, 2026 was £0.7050. Our model-based fair value is £1.20, about +70% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Distribution Finance Capital Holdings PLC right now?
The price is below even our cautious bear case (£0.9000). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (62/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Distribution Finance Capital Holdings PLC
How large is the market capitalisation of Distribution Finance Capital Holdings PLC (DFCH)?
The market capitalisation of Distribution Finance Capital Holdings PLC is £124M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Distribution Finance Capital Holdings PLC (DFCH)?
The price-to-sales ratio of Distribution Finance Capital Holdings PLC is 2.07 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Distribution Finance Capital Holdings PLC (DFCH)?
Earnings per share at Distribution Finance Capital Holdings PLC are £0.1100 (price ÷ EPS = P/E 6.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Distribution Finance Capital Holdings PLC (DFCH)?
The net margin of Distribution Finance Capital Holdings PLC is 30.9% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Distribution Finance Capital Holdings PLC (DFCH)?
The return on equity (ROE) of Distribution Finance Capital Holdings PLC is 14.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Distribution Finance Capital Holdings PLC (DFCH)?
On an EBIT basis the return on assets of Distribution Finance Capital Holdings PLC is 1.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Distribution Finance Capital Holdings PLC (DFCH)?
The operating margin of Distribution Finance Capital Holdings PLC is 44.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Distribution Finance Capital Holdings PLC (DFCH)?
Revenue at Distribution Finance Capital Holdings PLC is growing +31.5% versus a year earlier (3y avg +51.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Distribution Finance Capital Holdings PLC (DFCH)?
Earnings per share at Distribution Finance Capital Holdings PLC are growing +58.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Distribution Finance Capital Holdings PLC (DFCH) generate?
The free cash flow of Distribution Finance Capital Holdings PLC is £20.2M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Distribution Finance Capital Holdings PLC (DFCH) hold?
Distribution Finance Capital Holdings PLC holds more cash than debt, £120M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Nov 8, 2026