DFCH - Ticker AI Digest

Distribution Finance Capital Holdings PLC 📰 1
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Today's Catalysts (DFCH) 1
DFCH 07:51
Distribution Finance Capital Holdings PLC
Holding(s) in Company
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TR1 Buy
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Reports 1
DFCH 06:01
Distribution Finance Capital Holdings PLC
Half-year Report
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**Summary**
Distribution Finance Capital Holdings plc (DF Capital) reported strong results for the six months ended June 30, 2025, with significant growth and momentum. Key highlights include
**Profit Growth** Delivered £9.0 million in profit before tax, a 20% increase from the same period in 2024 (£7.5 million).
**Record Lending** Achieved record new lending of £828 million, up 17% from 2024 (£710 million), supported by £1.4 billion in facilities and 1,491 dealers.
**Loan Book Growth** The loan book reached £728 million, a 21% increase from 2024 (£603 million).
**Strong Net Interest Margin (NIM)** NIM remained robust at 7.9%, exceeding the 6% target.
**Low Cost of Risk** Strong arrears management resulted in a low cost of risk at 0.63%.
**Cost Efficiency** Improved cost-to-income ratio to 57% from 59% in 2024.
**Retail Deposits** Retail deposits totaled £688 million from approximately 15,500 accounts.
**Adjusted EPS and TNAV** Adjusted EPS increased to 3.8p, and Adjusted Tangible Net Asset Value (TNAV) per share rose to 70.2p.
**Post-Period Highlights and Outlook**
**Asset Finance Launch** Successfully launched an asset finance proposition with over 75 dealers onboarded and first loans made.
**Loan Book Expectations** FY25 closing loan book expected between £750 million and £800 million.
**Lending Capacity** Approximately £950 million in lending capacity based on existing capital and latent headroom.
**NIM Guidance** Medium-term NIM guidance revised upward to 7% from 6%.
**Profit Outlook** Full-year profit expected to materially exceed current market expectations, with an improvement in FY26 expectations.
**CEO Commentary**
CEO Carl DAmmassa highlighted the Groups strategic progress, growth, and enhanced shareholder value. He emphasized the successful launch of the asset finance product, which expands the addressable market and deepens relationships with manufacturers and dealers. DAmmassa expressed confidence in achieving medium-term targets, including a loan book of £1.3 billion by FY28 and a mid-teens return on equity.
**Financial Highlights**
**Gross Revenues** Increased by 14% to £43.3 million.
**Adjusted Profit Before Tax** Rose to £9.0 million.
**Adjusted Profit After Tax** Increased to £6.6 million.
**Gross Loan Book** Grew to £728 million.
**Regulatory Capital** Increased to £111.9 million.
**Common Equity Tier 1 Capital Ratio** 19.7%, well <mark style="background-color:yellow">above</mark> regulatory minimum.
**Risk Management and Capital Position**
The Group maintains a robust risk management framework, with strong credit risk performance and a well-capitalized balance sheet. Regulatory capital stands at £111.9 million, and the Group has significant lending capacity without requiring additional Tier 1 equity.
**Conclusion**
DF Capital demonstrated strong financial and operational performance in the first half of 2025, underpinned by strategic growth initiatives, efficient cost management, and robust risk management. The Group is well-positioned to exceed market expectations and achieve its medium-term financial goals.
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TR1 12
DFCH 07:51
Distribution Finance Capital Holdings PLC
Holding(s) in Company
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TR1 Buy
DFCH 13:41
Distribution Finance Capital Holdings PLC
Holding(s) in Company
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TR1 Buy
DFCH 10:12
Distribution Finance Capital Holdings PLC
Holding(s) in Company
DFCH 15:58
Distribution Finance Capital Holdings PLC
Holding(s) in Company
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TR1 Buy
DFCH 15:19
Distribution Finance Capital Holdings PLC
Holding(s) in Company
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TR1 Buy
DFCH 16:46
Distribution Finance Capital Holdings PLC
Holding(s) in Company
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TR1 Buy
DFCH 06:41
Distribution Finance Capital Holdings PLC
Holding(s) in Company
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TR1 Buy
DFCH 16:01
Distribution Finance Capital Holdings PLC
Holding(s) in Company
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TR1 Buy
DFCH 09:08
Distribution Finance Capital Holdings PLC
Holding(s) in Company
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TR1 Buy
DFCH 16:05
Distribution Finance Capital Holdings PLC
Holding(s) in Company
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TR1 Buy
DFCH 08:48
Distribution Finance Capital Holdings PLC
Holding(s) in Company
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TR1 Buy
DFCH 08:53
Distribution Finance Capital Holdings PLC
Holding(s) in Company
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TR1 Buy
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All Market News (Last 30 Days) 15
DFCH 07:51
Distribution Finance Capital Holdings PLC
Holding(s) in Company
Open AI Digest
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TR1 Buy
DFCH 13:41
Distribution Finance Capital Holdings PLC
Holding(s) in Company
Open AI Digest
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TR1 Buy
DFCH 06:01
Distribution Finance Capital Holdings PLC
Transfer of Treasury Shares & Total Voting Rights
DFCH 10:12
Distribution Finance Capital Holdings PLC
Holding(s) in Company
DFCH 15:58
Distribution Finance Capital Holdings PLC
Holding(s) in Company
Open AI Digest
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TR1 Buy
DFCH 15:19
Distribution Finance Capital Holdings PLC
Holding(s) in Company
Open AI Digest
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TR1 Buy
DFCH 06:01
Distribution Finance Capital Holdings PLC
Non-Executive Director Appointment
DFCH 16:46
Distribution Finance Capital Holdings PLC
Holding(s) in Company
Open AI Digest
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TR1 Buy
DFCH 06:41
Distribution Finance Capital Holdings PLC
Holding(s) in Company
Open AI Digest
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TR1 Buy
DFCH 06:01
Distribution Finance Capital Holdings PLC
Half-year Report
Open AI Digest
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**Summary**
Distribution Finance Capital Holdings plc (DF Capital) reported strong results for the six months ended June 30, 2025, with significant growth and momentum. Key highlights include
**Profit Growth** Delivered £9.0 million in profit before tax, a 20% increase from the same period in 2024 (£7.5 million).
**Record Lending** Achieved record new lending of £828 million, up 17% from 2024 (£710 million), supported by £1.4 billion in facilities and 1,491 dealers.
**Loan Book Growth** The loan book reached £728 million, a 21% increase from 2024 (£603 million).
**Strong Net Interest Margin (NIM)** NIM remained robust at 7.9%, exceeding the 6% target.
**Low Cost of Risk** Strong arrears management resulted in a low cost of risk at 0.63%.
**Cost Efficiency** Improved cost-to-income ratio to 57% from 59% in 2024.
**Retail Deposits** Retail deposits totaled £688 million from approximately 15,500 accounts.
**Adjusted EPS and TNAV** Adjusted EPS increased to 3.8p, and Adjusted Tangible Net Asset Value (TNAV) per share rose to 70.2p.
**Post-Period Highlights and Outlook**
**Asset Finance Launch** Successfully launched an asset finance proposition with over 75 dealers onboarded and first loans made.
**Loan Book Expectations** FY25 closing loan book expected between £750 million and £800 million.
**Lending Capacity** Approximately £950 million in lending capacity based on existing capital and latent headroom.
**NIM Guidance** Medium-term NIM guidance revised upward to 7% from 6%.
**Profit Outlook** Full-year profit expected to materially exceed current market expectations, with an improvement in FY26 expectations.
**CEO Commentary**
CEO Carl DAmmassa highlighted the Groups strategic progress, growth, and enhanced shareholder value. He emphasized the successful launch of the asset finance product, which expands the addressable market and deepens relationships with manufacturers and dealers. DAmmassa expressed confidence in achieving medium-term targets, including a loan book of £1.3 billion by FY28 and a mid-teens return on equity.
**Financial Highlights**
**Gross Revenues** Increased by 14% to £43.3 million.
**Adjusted Profit Before Tax** Rose to £9.0 million.
**Adjusted Profit After Tax** Increased to £6.6 million.
**Gross Loan Book** Grew to £728 million.
**Regulatory Capital** Increased to £111.9 million.
**Common Equity Tier 1 Capital Ratio** 19.7%, well <mark style="background-color:yellow">above</mark> regulatory minimum.
**Risk Management and Capital Position**
The Group maintains a robust risk management framework, with strong credit risk performance and a well-capitalized balance sheet. Regulatory capital stands at £111.9 million, and the Group has significant lending capacity without requiring additional Tier 1 equity.
**Conclusion**
DF Capital demonstrated strong financial and operational performance in the first half of 2025, underpinned by strategic growth initiatives, efficient cost management, and robust risk management. The Group is well-positioned to exceed market expectations and achieve its medium-term financial goals.
DFCH 16:01
Distribution Finance Capital Holdings PLC
Holding(s) in Company
Open AI Digest
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TR1 Buy
DFCH 09:08
Distribution Finance Capital Holdings PLC
Holding(s) in Company
Open AI Digest
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TR1 Buy
DFCH 16:05
Distribution Finance Capital Holdings PLC
Holding(s) in Company
Open AI Digest
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TR1 Buy
DFCH 08:48
Distribution Finance Capital Holdings PLC
Holding(s) in Company
Open AI Digest
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TR1 Buy
DFCH 08:53
Distribution Finance Capital Holdings PLC
Holding(s) in Company
Open AI Digest
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TR1 Buy

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Fundamentals Matrix

Overall Fundamentals
Signal: Pending
Capital Strength
Signal: Pending
Float Liquidity
Signal: Pending
Short Pressure
Signal: Pending
Target Setup
Signal: Pending
Market Profile
Signal: Pending
Market Cap
95172584
Enterprise Value
68015432
Public Float
91.57
Broker Target
90
Shares Out
164090673
Long Interest
-
Short Interest
-
Exchange
LSE
Currency Code
GBX
ISIN
GB00BJ7HMR72
Market
LSE - AIM
Sector
-
Float / Shares Ratio
-
Short vs Long Delta
-
EV / Market Cap
-

Financials Matrix

Overall Stability
Signal: Pending
Profitability
Signal: Pending
Debt & Cash
Signal: Pending
Valuation Risk
Signal: Pending
Forward Expectation
Signal: Pending
Dividend Safety
Signal: Pending
Divi Rate
-
Ex Divi
2009-01-01
Earnings Date
2025-09-11
Net Debt
-120154000.0
Cash
137570000.0
EPS
0.08
Net Income
15159000.0
Revenue
92064000.0
Enterprise Value
68015432
Trailing PE
7.25
Forward PE
14.7275
Price Sales TTM
1.8265
Price Book MRQ
0.748
EV Revenue
2.0273
EV EBITDA
-

Capital Radar

Capital Regime
—
Building signal blend...
Smart Money Tilt
—
Public vs institutions
Target Conviction
—
Broker coverage pulse
Insider Pressure
—
Director + TR1 flow
Last Held Position
-
Public Hands
-
Institutions
40.173
Institutions As Of
2025-11-18
Avg Broker Target
-
Upside Vs Price
-
Purchase Director Dealing
3
Sale Director Dealing
0
Purchase TR1
38
Sale TR1
30
Broker Coverage Rows
0
Institution Holders Tracked
4
Public Vs Institutional Ownership (3D)
Top Institution Holders (Latest Per Holder)
Director Dealing Sentiment Flow
Broker Target Bias
Signal: Pending
Capital Momentum Matrix
Broker Targets Vs Price
Aggregated Institution Weight By Holder

Short Data - Last 30 Days

Nexus Pulse Engine

Overall Buy/Sell/Hold
Signal: Pending
Technical Composite
Signal: Pending
Financial Composite
Signal: Pending
Fundamental Composite
Signal: Pending
Short Pressure
Signal: Pending
Momentum Bias
Signal: Pending

Volatility Lab

ATR(14)
Realized Vol (20d)
Volume Spike Z

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