DOMINION LENDING CENTRES INC (DLCG.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:DLCG - CA2574141024 - Common Stock
9.61 CAD
-0.23 (-2.34%)
DLCG gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 28 industry peers in the Financial Services industry. DLCG has only an average score on both its financial health and profitability. DLCG has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year DLCG was profitable.
DLCG had a positive operating cash flow in the past year.
In multiple years DLCG reported negative net income over the last 5 years.
DLCG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of -52.22%, DLCG is doing worse than 96.43% of the companies in the same industry.
Looking at the Return On Equity, with a value of -85.05%, DLCG is doing worse than 92.86% of the companies in the same industry.
DLCG has a better Return On Invested Capital (15.05%) than 92.86% of its industry peers.
DLCG had an Average Return On Invested Capital over the past 3 years of 9.66%. This is above the industry average of 5.82%.
The 3 year average ROIC (9.66%) for DLCG is below the current ROIC(15.05%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -52.22% | ||
| ROE | -85.05% | ||
| ROIC | 15.05% |
ROA(3y)-17.5%
ROA(5y)-9.39%
ROE(3y)-19.32%
ROE(5y)-6.96%
ROIC(3y)9.66%
ROIC(5y)9.84%
1.3 Margins
DLCG has a Operating Margin (42.47%) which is in line with its industry peers.
In the last couple of years the Operating Margin of DLCG has grown nicely.
DLCG's Gross Margin of 87.63% is amongst the best of the industry. DLCG outperforms 100.00% of its industry peers.
In the last couple of years the Gross Margin of DLCG has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 42.47% | ||
| PM (TTM) | N/A | ||
| GM | 87.63% |
OM growth 3Y-6.76%
OM growth 5Y7.27%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.62%
GM growth 5Y-0.31%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so DLCG is creating value.
Compared to 1 year ago, DLCG has more shares outstanding
Compared to 5 years ago, DLCG has more shares outstanding
DLCG has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 4.62 indicates that DLCG is not in any danger for bankruptcy at the moment.
DLCG has a Altman-Z score (4.62) which is in line with its industry peers.
DLCG has a debt to FCF ratio of 1.13. This is a very positive value and a sign of high solvency as it would only need 1.13 years to pay back of all of its debts.
The Debt to FCF ratio of DLCG (1.13) is better than 92.86% of its industry peers.
DLCG has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
DLCG has a better Debt to Equity ratio (0.22) than 85.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.13 | ||
| Altman-Z | 4.62 |
ROIC/WACC2.13
WACC7.08%
2.3 Liquidity
A Current Ratio of 0.63 indicates that DLCG may have some problems paying its short term obligations.
With a Current ratio value of 0.63, DLCG perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
A Quick Ratio of 0.63 indicates that DLCG may have some problems paying its short term obligations.
DLCG has a Quick ratio of 0.63. This is comparable to the rest of the industry: DLCG outperforms 53.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.63 | ||
| Quick Ratio | 0.63 |
3. Growth
3.1 Past
The earnings per share for DLCG have decreased strongly by -1224.86% in the last year.
DLCG shows a strong growth in Revenue. In the last year, the Revenue has grown by 30.92%.
DLCG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.35% yearly.
EPS 1Y (TTM)-1224.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%37.5%
Revenue 1Y (TTM)30.92%
Revenue growth 3Y-0.88%
Revenue growth 5Y11.35%
Sales Q2Q%19.52%
3.2 Future
The Earnings Per Share is expected to grow by 25.26% on average over the next years. This is a very strong growth
Based on estimates for the next years, DLCG will show a quite strong growth in Revenue. The Revenue will grow by 13.10% on average per year.
EPS Next Y53.74%
EPS Next 2Y39.48%
EPS Next 3Y33.02%
EPS Next 5Y25.26%
Revenue Next Year24.21%
Revenue Next 2Y19.77%
Revenue Next 3Y16.1%
Revenue Next 5Y13.1%
3.3 Evolution
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
DLCG is valuated quite expensively with a Price/Earnings ratio of 30.03.
Based on the Price/Earnings ratio, DLCG is valued a bit cheaper than 67.86% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.49. DLCG is around the same levels.
Based on the Price/Forward Earnings ratio of 19.77, the valuation of DLCG can be described as rather expensive.
Based on the Price/Forward Earnings ratio, DLCG is valued a bit cheaper than the industry average as 71.43% of the companies are valued more expensively.
DLCG's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.69.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.03 | ||
| Fwd PE | 19.77 |
4.2 Price Multiples
DLCG's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. DLCG is cheaper than 92.86% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, DLCG is valued a bit cheaper than 78.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.65 | ||
| EV/EBITDA | 15.96 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as DLCG's earnings are expected to grow with 33.02% in the coming years.
PEG (NY)0.56
PEG (5Y)N/A
EPS Next 2Y39.48%
EPS Next 3Y33.02%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.63%, DLCG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 6.84, DLCG is paying slightly less dividend.
DLCG's Dividend Yield is slightly below the S&P500 average, which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.63% |
5.2 History
On average, the dividend of DLCG grows each year by 48.77%, which is quite nice.
DLCG has been paying a dividend for over 5 years, so it has already some track record.
The dividend of DLCG decreased in the last 3 years.
Dividend Growth(5Y)48.77%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
The earnings of DLCG are negative and hence is the payout ratio. DLCG will probably not be able to sustain this dividend level.
The dividend of DLCG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP-8.68%
EPS Next 2Y39.48%
EPS Next 3Y33.02%
TSX:DLCG (12/5/2025, 7:00:00 PM)
9.61
-0.23 (-2.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners27.24%
Inst Owner ChangeN/A
Ins Owners27.45%
Ins Owner ChangeN/A
Market Cap747.08M
Revenue(TTM)91.98M
Net Income(TTM)-116.03M
Analysts82
Price Target11.92 (24.04%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.63% |
Yearly Dividend0.09
Dividend Growth(5Y)48.77%
DP-8.68%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-6.92%
Min EPS beat(2)-17.04%
Max EPS beat(2)3.2%
EPS beat(4)2
Avg EPS beat(4)10.88%
Min EPS beat(4)-38.73%
Max EPS beat(4)96.08%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)1.99%
Min Revenue beat(2)-2.15%
Max Revenue beat(2)6.13%
Revenue beat(4)2
Avg Revenue beat(4)5.92%
Min Revenue beat(4)-2.15%
Max Revenue beat(4)21.72%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)3.31%
PT rev (3m)5.45%
EPS NQ rev (1m)-12.12%
EPS NQ rev (3m)-12.12%
EPS NY rev (1m)-2.59%
EPS NY rev (3m)-3.42%
Revenue NQ rev (1m)-1.52%
Revenue NQ rev (3m)-1.55%
Revenue NY rev (1m)-0.25%
Revenue NY rev (3m)-0.33%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.03 | ||
| Fwd PE | 19.77 | ||
| P/S | 8.12 | ||
| P/FCF | 23.65 | ||
| P/OCF | 19.59 | ||
| P/B | 5.48 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.96 |
EPS(TTM)0.32
EY3.33%
EPS(NY)0.49
Fwd EY5.06%
FCF(TTM)0.41
FCFY4.23%
OCF(TTM)0.49
OCFY5.1%
SpS1.18
BVpS1.75
TBVpS-0.63
PEG (NY)0.56
PEG (5Y)N/A
Graham Number3.55
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -52.22% | ||
| ROE | -85.05% | ||
| ROCE | 21.76% | ||
| ROIC | 15.05% | ||
| ROICexc | 15.33% | ||
| ROICexgc | N/A | ||
| OM | 42.47% | ||
| PM (TTM) | N/A | ||
| GM | 87.63% | ||
| FCFM | 34.34% |
ROA(3y)-17.5%
ROA(5y)-9.39%
ROE(3y)-19.32%
ROE(5y)-6.96%
ROIC(3y)9.66%
ROIC(5y)9.84%
ROICexc(3y)10.01%
ROICexc(5y)10.47%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)13.57%
ROCE(5y)13.76%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y-9.35%
ROICexc growth 5Y30.12%
OM growth 3Y-6.76%
OM growth 5Y7.27%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.62%
GM growth 5Y-0.31%
F-Score6
Asset Turnover0.41
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.13 | ||
| Debt/EBITDA | 0.62 | ||
| Cap/Depr | 70.51% | ||
| Cap/Sales | 7.12% | ||
| Interest Coverage | 23.8 | ||
| Cash Conversion | 78.88% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.63 | ||
| Quick Ratio | 0.63 | ||
| Altman-Z | 4.62 |
F-Score6
WACC7.08%
ROIC/WACC2.13
Cap/Depr(3y)103.55%
Cap/Depr(5y)87.5%
Cap/Sales(3y)12.66%
Cap/Sales(5y)12.21%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-1224.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%37.5%
EPS Next Y53.74%
EPS Next 2Y39.48%
EPS Next 3Y33.02%
EPS Next 5Y25.26%
Revenue 1Y (TTM)30.92%
Revenue growth 3Y-0.88%
Revenue growth 5Y11.35%
Sales Q2Q%19.52%
Revenue Next Year24.21%
Revenue Next 2Y19.77%
Revenue Next 3Y16.1%
Revenue Next 5Y13.1%
EBIT growth 1Y56.39%
EBIT growth 3Y-7.58%
EBIT growth 5Y19.44%
EBIT Next Year50.98%
EBIT Next 3Y28.88%
EBIT Next 5Y23.19%
FCF growth 1Y18253.4%
FCF growth 3Y-3.69%
FCF growth 5Y13.46%
OCF growth 1Y208.72%
OCF growth 3Y-1.61%
OCF growth 5Y6.25%
DOMINION LENDING CENTRES INC / DLCG.CA FAQ
Can you provide the ChartMill fundamental rating for DOMINION LENDING CENTRES INC?
ChartMill assigns a fundamental rating of 5 / 10 to DLCG.CA.
Can you provide the valuation status for DOMINION LENDING CENTRES INC?
ChartMill assigns a valuation rating of 5 / 10 to DOMINION LENDING CENTRES INC (DLCG.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for DOMINION LENDING CENTRES INC?
DOMINION LENDING CENTRES INC (DLCG.CA) has a profitability rating of 5 / 10.
What is the financial health of DOMINION LENDING CENTRES INC (DLCG.CA) stock?
The financial health rating of DOMINION LENDING CENTRES INC (DLCG.CA) is 6 / 10.
Can you provide the expected EPS growth for DLCG stock?
The Earnings per Share (EPS) of DOMINION LENDING CENTRES INC (DLCG.CA) is expected to grow by 53.74% in the next year.