DISTRIBUTION FINANCE CAPITAL HOLDINGS PLC

Financial Ratios Distribution Finance Capital Holdings plc

Stocks

DFCH

GB00BJ7HMR72

Consumer Lending

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07-01	EARNING AND TRADING: Home REIT to sell remaining holdings by end-July	AN
07-01	July Opens With a Very Fed-Shaped Cloud

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Published financial data: DISTRIBUTION FINANCE CAPITAL HOLDINGS PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	13.26M	25.41M	59.97M	76.82M	90.7M
Interest Expense, Total	2.36M	6.43M	22.41M	31.31M	35.24M
Net Interest Income	10.9M	18.98M	37.56M	45.51M	55.46M
Commission and Fees	466K	1.35M	1.39M	1.24M	1.68M
Gain (Loss) on Sale of Investments, Total (Rev)	-3K	-17K	-	-	-
Other Revenues, Total	-	99K	-303K	372K	-773K
Revenues Before Provison For Loan Losses	11.36M	20.4M	38.65M	47.12M	56.37M
Provision For Loan Losses	556K	2.3M	11.6M	-241K	4.27M
Total Revenues	10.81M	18.11M	27.05M	47.36M	52.11M
Salaries And Other Employee Benefits	9.12M	10.85M	13.43M	16.04M	20.68M
Cost of Services Provided, Total	-	-	719K	1.63M	1.61M
Depreciation & Amortization - (IS) - (Collected)	-	-	-	-	-
Other Operating Expenses	5.42M	5.96M	8.33M	10.5M	10.82M
Total Operating Expenses	14.54M	16.8M	22.48M	28.17M	33.11M
Operating Income	-3.73M	1.3M	4.57M	19.19M	19M
Currency Exchange Gains (Loss)	-	-	-	-104K	907K
Other Non Operating Income (Expenses)	-	-	-	-	-
EBT, Excl. Unusual Items	-3.73M	1.3M	4.57M	19.08M	19.9M
Gain (Loss) on Sale of Investments	-	-	-	-	-
Gain (Loss) on Sale of Assets	-3K	-	-	-11K	-3K
Asset Writedown	-	-	-	-	-275K
Insurance Settlements	-	-	-	-	14K
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	-3.74M	1.3M	4.57M	19.07M	19.64M
Income Tax Expense	-59K	-8.46M	1.42M	5.05M	4.48M
Earnings From Continuing Operations	-3.68M	9.76M	3.16M	14.02M	15.16M
Net Income to Company	-3.68M	9.76M	3.16M	14.02M	15.16M
Net Income - (IS)	-3.68M	9.76M	3.16M	14.02M	15.16M
Net Income to Common Incl Extra Items	-3.68M	9.76M	3.16M	14.02M	15.16M
Net Income to Common Excl. Extra Items	-3.68M	9.76M	3.16M	14.02M	15.16M
Per Share Items
Net EPS - Basic	-0.02	0.05	0.02	0.08	0.09
Basic EPS - Continuing Operations	-0.02	0.05	0.02	0.08	0.09
Basic Weighted Average Shares Outstanding	169M	179M	179M	179M	170M
Net EPS - Diluted	-0.02	0.05	0.02	0.07	0.08
Diluted EPS - Continuing Operations	-0.02	0.05	0.02	0.07	0.08
Diluted Weighted Average Shares Outstanding	169M	179M	187M	189M	180M
Normalized Basic EPS	-0.01	0	0.02	0.07	0.07
Normalized Diluted EPS	-0.01	0	0.02	0.06	0.07
Supplemental Items
Effective Tax Rate - (Ratio)	1.58	-648.54	31.01	26.49	22.82
Current Domestic Taxes	-	586K	73K	1.92M	2M
Total Current Taxes	-	586K	73K	1.92M	2M
Deferred Domestic Taxes	-	-9.04M	1.34M	3.13M	2.48M
Total Deferred Taxes	-	-9.04M	1.34M	3.13M	2.48M
Normalized Net Income	-2.33M	815K	2.86M	11.93M	12.44M
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	362K	499K	905K	985K	1.25M
Total Stock-Based Compensation	362K	499K	905K	985K	1.25M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	29.6M	111M	90.87M	112M	135M
Long-Term Investments - (FS Template)	109M	22.96M	14.84M	769K	5.72M
Trading Asset Securities, Total	-	57K	537K	295K	411K
Loans and Lease Receivables - (FS Template)	247M	436M	568M	661M	840M
Other Receivables	809K	1.17M	4.21M	3.63M	6.38M
Gross Property Plant And Equipment	1.6M	2.3M	3.68M	3.24M	7.18M
Accumulated Depreciation	-865K	-822K	-1.3M	-1.94M	-1.02M
Net Property Plant And Equipment	740K	1.48M	2.37M	1.3M	6.15M
Other Intangibles, Total	1.07M	877K	618K	950K	745K
Restricted Cash	-	571K	2.16M	2.01M	2.73M
Other Current Assets, Total	324K	408K	1.18M	1.05M	1.4M
Deferred Tax Assets Long-Term (Collected)	-	8.46M	7.11M	3.98M	1.91M
Other Long-Term Assets, Total	-	-	-	-	-
Total Assets	389M	582M	692M	787M	1B
Liabilities
Interest Bearing Deposits	297M	480M	575M	650M	841M
Deposits	297M	480M	575M	650M	841M
Accounts Payable, Total	282K	218K	528K	524K	311K
Accrued Expenses, Total	2.31M	2.81M	2.82M	4.57M	6.65M
Short-Term Borrowings	-	-42K	989K	142K	1.19M
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	395K	250K	1.06M	90K	-7K
Long-Term Debt	50K	50K	10.27M	10.41M	15.3M
Long-Term Leases	109K	145K	148K	-	2.45M
Current Income Taxes Payable	-	-	73K	1.26M	76K
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	2.42M	2.99M	875K	4.16M	5.66M
Pension & Other Post Retirement Benefits	-	-	-	-	-
Other Non Current Liabilities	129K	101K	137K	365K	377K
Total Liabilities	303M	486M	592M	671M	873M
Common Stock, Total	1.79M	1.79M	1.79M	1.79M	1.79M
Additional Paid In Capital	39.27M	39.27M	-	-	-
Retained Earnings	-28.95M	-18.76M	24.72M	39.7M	56.44M
Treasury Stock	-364K	-364K	-401K	-440K	-5.3M
Comprehensive Income and Other	74.3M	74.3M	74.3M	74.3M	74.3M
Total Common Equity	86.06M	96.24M	100M	115M	127M
Total Equity	86.06M	96.24M	100M	115M	127M
Total Liabilities And Equity	389M	582M	692M	787M	1B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	176M	176M	176M	177M	164M
ECS Total Common Shares Outstanding	176M	176M	176M	177M	164M
Book Value / Share	0.49	0.55	0.57	0.65	0.78
Tangible Book Value	84.99M	95.36M	99.8M	114M	126M
Tangible Book Value Per Share	0.48	0.54	0.57	0.65	0.77
Tangible Book Value Per Share (As Reported)	-	-	0.56	0.64	0.76
Total Debt	554K	403K	12.46M	10.64M	18.94M
Net Debt	-29.04M	-110M	-78.94M	-101M	-116M
Full Time Employees	93	117	133	137	155

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	-3.68M	9.76M	3.16M	14.02M	15.16M
Depreciation, Depletion & Amortization	259K	318K	498K	641K	945K
Total Depreciation, Depletion & Amortization	259K	318K	498K	641K	945K
Amortization of Deferred Charges, Total	314K	382K	376K	285K	279K
(Gain) Loss On Sale of Asset - (CF)	3K	-	-	11K	3K
Total Asset Writedown	-	-	-	-	275K
Provision for Credit Losses	556K	2.3M	11.6M	-241K	4.06M
Stock-Based Compensation (CF)	362K	499K	905K	985K	1.25M
Change in Trading Asset Securities	-	-57K	-480K	-318K	689K
Change in Accounts Receivable	-	-	-	-	-
Change in Accounts Payable	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	15.47M	-9.32M	-54.8M	-12.7M	8.12M
Other Operating Activities	-107K	-7.28M	1.04M	6.51M	2.16M
Cash from Operations	13.18M	-3.41M	-37.71M	9.2M	32.95M
Capital Expenditure	-253K	-1.04M	-418K	-397K	-3.56M
Sale of Property, Plant, and Equipment	-	-	-	-	34K
Purchase / Sale of Intangible Assets	-586K	-193K	-117K	-623K	-80K
Investment in Marketable and Equity Securities, Total	-43.02M	85.07M	8.45M	15.08M	2K
Other Investing Activities, Total	549K	746K	383K	100K	-22K
Cash from Investing	-43.31M	84.58M	8.29M	14.16M	-3.62M
Long-Term Debt Issued, Total	-	-	10M	-	5M
Total Debt Issued	-	-	10M	-	5M
Long-Term Debt Repaid, Total	-	-	-51K	-252K	-108K
Total Debt Repaid	-	-	-51K	-252K	-108K
Issuance of Common Stock	38.64M	-	-	-	-
Repurchase of Common Stock	-	-	-67K	-142K	-5.07M
Issuance of Preferred Stock	-	-	-	-	-
Other Financing Activities, Total	-147K	-141K	-227K	-1.27M	-1.15M
Cash from Financing	38.5M	-141K	9.66M	-1.67M	-1.33M
Net Change in Cash	8.36M	81.03M	-19.76M	21.7M	28M
Supplemental Items
Cash Interest Paid	147K	141K	227K	1.27M	1.27M
Cash Income Tax Paid (Refund)	-	-4K	-	681K	3.3M
Net Debt Issued / Repaid	-	-	9.95M	-252K	4.89M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	-1.25	2.01	0.5	1.9	1.7
Return On Equity %	-5.37	10.71	3.21	13	12.5
Return on Common Equity	-5.37	10.71	3.21	13	12.5
Margin Analysis
Gross Profit Margin %	100	100	97.34	96.57	96.91
SG&A Margin	84.38	59.9	49.65	33.88	39.7
Income From Continuing Operations Margin %	-34.01	53.9	11.66	29.61	29.09
Net Income Margin %	-34.01	53.9	11.66	29.61	29.09
Net Avail. For Common Margin %	-34.01	53.9	11.66	29.61	29.09
Normalized Net Income Margin	-21.58	4.5	10.57	25.19	23.88
Asset Turnover
Asset Turnover	0.04	0.04	0.04	0.06	0.06
Short Term Liquidity
Current Ratio	0.92	1.13	1.15	1.18	1.15
Quick Ratio	0.92	1.13	1.14	1.18	1.15
Operating Cash Flow to Current Liabilities	0.04	-0.01	-0.06	0.01	0.04
Long Term Solvency
Total Debt/Equity	0.64	0.42	12.41	9.23	14.89
Total Debt / Total Capital	0.64	0.42	11.04	8.45	12.96
LT Debt/Equity	0.18	0.2	10.38	9.02	13.95
Long-Term Debt / Total Capital	0.18	0.2	9.23	8.26	12.15
Total Liabilities / Total Assets	77.85	83.48	85.49	85.33	87.27
Tier 1 Capital Ratio %	38	22	22.8	21.6	18
Total Capital Ratio %	38	22	-	-	20.5
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	1.06K	67.54	49.37	75.08	10.02
Gross Profit, 1 Yr. Growth %	1.06K	67.54	45.4	73.68	10.42
Earnings From Cont. Operations, 1 Yr. Growth %	-72.98	-365.53	-67.68	344.41	8.12
Net Income, 1 Yr. Growth %	-72.98	-365.53	-67.68	344.41	8.12
Normalized Net Income, 1 Yr. Growth %	-72.44	-134.94	250.69	317.34	4.3
Diluted EPS Before Extra, 1 Yr. Growth %	-83.25	-329.61	-68.52	335.29	13.51
Common Equity, 1 Yr. Growth %	69.11	11.83	4.34	14.88	10.3
Total Assets, 1 Yr. Growth %	93.03	49.89	18.79	13.67	27.12
Tangible Book Value, 1 Yr. Growth %	69.66	12.2	4.65	14.64	10.56
Cash From Operations, 1 Yr. Growth %	-80.08	-125.86	1.01K	-124.4	258.15
Capital Expenditures, 1 Yr. Growth %	690.62	311.46	-59.85	-5.02	795.97
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	60.19	341.03	58.19	61.72	38.79
Gross Profit, 2 Yr. CAGR %	60.19	341.03	56.08	58.92	38.49
Earnings From Cont. Operations, 2 Yr. CAGR %	-47.83	-15.29	-7.36	19.85	119.2
Net Income, 2 Yr. CAGR %	-47.83	-15.29	-7.36	19.85	119.2
Normalized Net Income, 2 Yr. CAGR %	-38.21	-68.97	10.7	282.57	108.63
Diluted EPS Before Extra, 2 Yr. CAGR %	-65.22	-37.98	-11.64	17.06	122.29
Common Equity, 2 Yr. CAGR %	15.46	37.52	8.02	9.48	12.56
Total Assets, 2 Yr. CAGR %	28.59	70.1	33.44	16.2	20.21
Tangible Book Value, 2 Yr. CAGR %	15.52	37.97	8.36	9.53	12.58
Cash From Operations, 2 Yr. CAGR %	-5.56	-77.3	69.17	64.31	-6.52
Capital Expenditures, 2 Yr. CAGR %	29.01	470.36	28.54	-38.25	191.71
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	86.14	62.61	207.42	63.63	42.23
Gross Profit, 3 Yr. CAGR %	86.14	62.61	204.68	61.74	40.75
Earnings From Cont. Operations, 3 Yr. CAGR %	-20.31	-10.26	-38.56	56.24	15.8
Net Income, 3 Yr. CAGR %	-20.31	-10.26	-38.56	56.24	15.8
Normalized Net Income, 3 Yr. CAGR %	-19.48	-48.9	-30.36	72.29	148.06
Diluted EPS Before Extra, 3 Yr. CAGR %	-65.72	-34.75	-49.24	50.34	15.87
Common Equity, 3 Yr. CAGR %	16.41	14.24	25.43	10.26	9.75
Total Assets, 3 Yr. CAGR %	43.93	35.33	50.91	26.49	19.73
Tangible Book Value, 3 Yr. CAGR %	16.37	14.4	25.83	10.41	9.87
Cash From Operations, 3 Yr. CAGR %	-15.4	-38.67	-17.08	-11.29	113.04
Capital Expenditures, 3 Yr. CAGR %	0	89.9	135.51	16.2	50.62
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	300.42	79.94	74.41	62.25	123.66
Gross Profit, 5 Yr. CAGR %	300.42	79.94	73.48	61.12	122.26
Earnings From Cont. Operations, 5 Yr. CAGR %	40.23	13.09	-15.36	0.75	2.19
Net Income, 5 Yr. CAGR %	40.23	13.09	-15.36	0.75	2.19
Normalized Net Income, 5 Yr. CAGR %	40.65	-24.21	-8.55	14.32	8.01
Diluted EPS Before Extra, 5 Yr. CAGR %	-	-65.72	-49.94	-16.29	-8.36
Common Equity, 5 Yr. CAGR %	97.71	130.97	12.98	12.31	20.11
Total Assets, 5 Yr. CAGR %	166.02	72.72	39.64	27.33	37.79
Tangible Book Value, 5 Yr. CAGR %	97.21	130.55	13.1	12.43	20.35
Cash From Operations, 5 Yr. CAGR %	78.49	-36.77	11.62	-9.04	-13.01
Capital Expenditures, 5 Yr. CAGR %	102.12	90.04	10.56	21.17	156.56