**Summary**
**Distribution Finance Capital Holdings plc (DF Capital)** released a full-year trading update for 2025, highlighting strong financial and operational performance, and extending its medium-term targets to 2030.
**Key Financial Highlights (2025)**
**Record loan origination**Over ยฃ1.8bn, up 27% from 2024.
**Loan book growth**Reached ยฃ846m, exceeding guidance and up 27% year-on-year.
**Profitability**Statutory pre-tax profit of at least ยฃ19m
adjusted pre-tax profit of at least ยฃ17.5m, up 22% from 2024.
**Tangible net assets per share**At least 75p, up 20% from 2024.
**Portfolio quality**Strong, with arrears and non-performing loans well within credit appetite.
**Operational Achievements**
Launched a new **asset finance product**, with 120 dealers signed up, primarily in the motorhome and caravan sector.
Improved **customer satisfaction**Net Promoter Score of +59, up 21 points from 2024.
Recognized as a **Great Place to Work**, achieving excellent ratings across employee satisfaction categories.
**Medium-Term Targets (by 2030)**
**Loan book**Exceed ยฃ1.5bn.
**Cost-to-income ratio**45%-48%.
**Return on required equity**Approximately 20%.
**Capital management**Fund growth through retained earnings, with potential for accelerated growth, acquisitions, or shareholder returns (dividends/buybacks) post-2028.
**CEO Commentary (Carl DAmmassa)**
Highlighted 2025 as the best year yet, with strong growth, product innovation, and customer satisfaction. Expressed confidence in achieving the 2030 targets, supported by a robust team and market opportunity.
**Next Steps**
Detailed medium-term strategy and audited 2025 results to be announced in March 2026.
**About DF Capital**
A specialist bank founded in 2016, listed on AIM (ticker: DFCH), providing commercial finance and savings products to consumers and small businesses across sectors like Automotive, Leisure, and Luxury.
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> ### Explanation:
1. **Metrics Comparison**: The table compares key financial and operational metrics between FY2024 and FY2025.
2. **Styling**: Basic CSS is included for table styling, making it visually appealing.
3. **Data**: The data is extracted from the provided text, including loan origination, loan book size, stock days, arrears, profit, tangible net assets, and net promoter score.
4. **Change Column**: The "Change" column shows the percentage or point change between the two years. This HTML code can be directly used in a web page to display the comparison table.