Distribution Finance Capital Holdings PLC (DFCH) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Distribution Finance Capital Holdings PLC £1.20, price £0.73, upside +65.5%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range £0.1900 – £1.33 · fair‑value band £0.9000 – £1.50 · the £0.7250 price screens below the £1.20 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 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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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. 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 £0.7250, while our model-based Fair Value estimate is £1.20, implying the stock looks roughly 39.6% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of £2.00 per share, and 8 of the 10 models we run sit above the £0.7250 price.
Bear case: the Asset-Based group reads lowest at £0.5200, and 2 of the 10 models stay below the price. Evidence for this calculation is low.
Scenario range: £0.9000 (bear) to £1.50 (bull), the price of £0.7250 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 56/100 (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 130M GBX · P/E ratio 9.1 · P/S ratio 1.49 · EPS (TTM) £0.0800 · Net margin 16.5% · Return on equity 12.5% · Return on assets (EBIT) 1.0% · Operating margin 37.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 61% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 66%, DFCH screens cheaper than that median.
Fair Value models
Bear £0.9000Fair Value £1.20Bull £1.50
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (£0.0587 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.Evidence ⓘEvidence = 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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’25
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.
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
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 · 331 stocks
Beats the industry median on 8/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score58 · Above median
Fair Value upside+66% · Above median
Profitability
Return on equity (TTM)13% · Above median
Return on assets2% · Below median
Net margin (TTM)29% · Above median
Operating margin (TTM)37% · Above median
Growth and dividend
Revenue growth12% · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
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 Sep 23, 2026, our model estimates a fair value of £1.20 versus a price of £0.7250, about +66% 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 Sep 23, 2026), built from audited fundamentals. The current price: £0.7250.
What is the quality score of DFCH?
Distribution Finance Capital Holdings PLC has a Quality Score of 56/100. 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 Sep 23, 2026) from 10 valuation models. Cautious scenario £0.9000, optimistic scenario £1.50. 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 +66% upside versus a price of £0.7250 (undervalued). Cautious scenario £0.9000, optimistic scenario £1.50. 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 £52.1M (latest available figure, as of Sep 23, 2026).
What growth is priced into Distribution Finance Capital Holdings PLC (DFCH)?
For today's price to be fair in a discounted-cash-flow model, Distribution Finance Capital Holdings PLC would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 12.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +55.0 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of DFCH use?
Our models discount Distribution Finance Capital Holdings PLC at 12.9 %: a base by market capitalisation (micro), damped by beta 0.87, country premium for United Kingdom. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Distribution Finance Capital Holdings PLC that is less than minus 40 % per year a year over ten years, using the same discount rate (12.9 %) and the same formula as our fair value.
How much growth has Distribution Finance Capital Holdings PLC (DFCH) delivered so far?
Over the past 5 years revenue at Distribution Finance Capital Holdings PLC grew +55.0 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Distribution Finance Capital Holdings PLC (DFCH) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into Distribution Finance Capital Holdings PLC (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Distribution Finance Capital Holdings PLC (DFCH)?
The free-cash-flow yield on the price is 15.49 %: that much free cash flow Distribution Finance Capital Holdings PLC produces per unit of market value. When it exceeds the discount rate of our models (12.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 Sep 23, 2026), against a price of £0.7250. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is Distribution Finance Capital Holdings PLC stock overvalued or undervalued in 2026?
As of Sep 23, 2026, DFCH trades below its calculated fair value: price £0.7250, fair value £1.20, a gap of about +66% (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 (£0.7250); the fair value is what the company's own numbers justify (£1.20). For Distribution Finance Capital Holdings PLC the two are £0.4750 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 130M GBX (market capitalisation, as of Sep 23, 2026). Per share that is £0.7250; 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 £1.50 per share (as of Sep 23, 2026, price £0.7250). 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 9.1 (as of Sep 23, 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 1.4, P/S 3.3, EV/EBITDA 1.5.
How solid is the balance sheet of Distribution Finance Capital Holdings PLC (DFCH)?
Balance-sheet figures for Distribution Finance Capital Holdings PLC (as of Sep 23, 2026): return on equity 12.5%. They feed the Quality Score of 56/100, 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 £0.7250, about 6% below its 52-week high of £0.7740 and 61% above the low of £0.4500 (as of Sep 24, 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 Sep 23, 2026: price £0.7250, calculated fair value £1.20 (+66%), Quality Score 56/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of £1.20, 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 14.0 % above its aggregate fair value. Distribution Finance Capital Holdings PLC currently trades 66 % 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 Sep 24, 2026 was £0.7250. Our model-based fair value is £1.20, about +66% 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 (56/100) 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 130M GBX. 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 1.49 (P/E × margin). 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 £0.0800 (price ÷ EPS = P/E 9.1). 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 16.5% (fiscal year 2025). 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 12.5% (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 37.4% (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 +12.4% 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 +31.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Distribution Finance Capital Holdings PLC (DFCH) hold?
Distribution Finance Capital Holdings PLC holds more cash than debt, 120M GBX net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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