DOMINION LENDING CENTRES INC (DLCG.CA) Stock Fundamental Analysis
TSX:DLCG - Toronto Stock Exchange - CA2574141024 - Common Stock - Currency: CAD
DLCG gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 29 industry peers in the Financial Services industry. DLCG has an average financial health and profitability rating. 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.
The reported net income has been mixed in the past 5 years: DLCG reported negative net income in multiple years.
Each year in the past 5 years DLCG had a positive operating cash flow.
1.2 Ratios
DLCG has a Return On Assets of -57.97%. This is amonst the worse of the industry: DLCG underperforms 96.55% of its industry peers.
DLCG's Return On Equity of -90.83% is on the low side compared to the rest of the industry. DLCG is outperformed by 93.10% of its industry peers.
DLCG has a Return On Invested Capital of 13.07%. This is amongst the best in the industry. DLCG outperforms 93.10% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for DLCG is above the industry average of 5.71%.
The 3 year average ROIC (9.66%) for DLCG is below the current ROIC(13.07%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -57.97% | ||
| ROE | -90.83% | ||
| ROIC | 13.07% |
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 (40.24%) which is in line with its industry peers.
DLCG's Operating Margin has improved in the last couple of years.
DLCG has a Gross Margin of 86.58%. This is amongst the best in the industry. DLCG outperforms 100.00% of its industry peers.
DLCG's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 40.24% | ||
| PM (TTM) | N/A | ||
| GM | 86.58% |
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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), DLCG is creating value.
DLCG has more shares outstanding than it did 1 year ago.
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 4.79 indicates that DLCG is not in any danger for bankruptcy at the moment.
DLCG has a Altman-Z score (4.79) which is comparable to the rest of the industry.
The Debt to FCF ratio of DLCG is 0.88, which is an excellent value as it means it would take DLCG, only 0.88 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.88, DLCG belongs to the top of the industry, outperforming 93.10% of the companies in the same industry.
A Debt/Equity ratio of 0.19 indicates that DLCG is not too dependend on debt financing.
DLCG has a Debt to Equity ratio of 0.19. This is amongst the best in the industry. DLCG outperforms 93.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.88 | ||
| Altman-Z | 4.79 |
ROIC/WACC1.83
WACC7.14%
2.3 Liquidity
A Current Ratio of 0.60 indicates that DLCG may have some problems paying its short term obligations.
The Current ratio of DLCG (0.60) is better than 65.52% of its industry peers.
DLCG has a Quick Ratio of 0.60. This is a bad value and indicates that DLCG is not financially healthy enough and could expect problems in meeting its short term obligations.
With a decent Quick ratio value of 0.60, DLCG is doing good in the industry, outperforming 65.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.6 | ||
| Quick Ratio | 0.6 |
3. Growth
3.1 Past
DLCG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -4358.26%.
The Revenue has grown by 26.87% in the past year. This is a very strong growth!
Measured over the past years, DLCG shows a quite strong growth in Revenue. The Revenue has been growing by 11.35% on average per year.
EPS 1Y (TTM)-4358.26%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%44.87%
Revenue 1Y (TTM)26.87%
Revenue growth 3Y-0.88%
Revenue growth 5Y11.35%
Sales Q2Q%37.37%
3.2 Future
Based on estimates for the next years, DLCG will show a very strong growth in Earnings Per Share. The EPS will grow by 39.97% on average per year.
DLCG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.62% yearly.
EPS Next Y57.14%
EPS Next 2Y39.97%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.88%
Revenue Next 2Y19.62%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
DLCG is valuated quite expensively with a Price/Earnings ratio of 38.13.
Based on the Price/Earnings ratio, DLCG is valued a bit cheaper than the industry average as 62.07% of the companies are valued more expensively.
DLCG's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 27.48.
With a Price/Forward Earnings ratio of 18.69, DLCG is valued on the expensive side.
Based on the Price/Forward Earnings ratio, DLCG is valued a bit cheaper than the industry average as 68.97% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of DLCG to the average of the S&P500 Index (36.52), we can say DLCG is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.13 | ||
| Fwd PE | 18.69 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of DLCG indicates a rather cheap valuation: DLCG is cheaper than 93.10% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, DLCG is valued cheaper than 86.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.01 | ||
| EV/EBITDA | 17.73 |
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.
DLCG's earnings are expected to grow with 39.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.67
PEG (5Y)N/A
EPS Next 2Y39.97%
EPS Next 3YN/A
5. Dividend
5.1 Amount
DLCG has a Yearly Dividend Yield of 1.76%.
With a Dividend Yield of 1.76, DLCG pays less dividend than the industry average, which is at 7.27. 82.76% of the companies listed in the same industry pay a better dividend than DLCG!
Compared to the average S&P500 Dividend Yield of 2.34, DLCG is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.76% |
5.2 History
The dividend of DLCG is nicely growing with an annual growth rate of 48.77%!
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.
DLCG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP-5.43%
EPS Next 2Y39.97%
EPS Next 3YN/A
TSX:DLCG (7/17/2025, 7:00:00 PM)
9.15
-0.01 (-0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners21.82%
Inst Owner ChangeN/A
Ins Owners27.27%
Ins Owner ChangeN/A
Market Cap720.29M
Analysts82.22
Price Target10.71 (17.05%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.76% |
Yearly Dividend0.09
Dividend Growth(5Y)48.77%
DP-5.43%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)28.68%
Min EPS beat(2)-38.73%
Max EPS beat(2)96.08%
EPS beat(4)1
Avg EPS beat(4)4.37%
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)9.86%
Min Revenue beat(2)-2.01%
Max Revenue beat(2)21.72%
Revenue beat(4)2
Avg Revenue beat(4)3.39%
Min Revenue beat(4)-6.52%
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)0%
PT rev (3m)5.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)2.67%
Revenue NQ rev (1m)0.51%
Revenue NQ rev (3m)0.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.13 | ||
| Fwd PE | 18.69 | ||
| P/S | 8.8 | ||
| P/FCF | 20.01 | ||
| P/OCF | 18.07 | ||
| P/B | 5.31 | ||
| P/tB | N/A | ||
| EV/EBITDA | 17.73 |
EPS(TTM)0.24
EY2.62%
EPS(NY)0.49
Fwd EY5.35%
FCF(TTM)0.46
FCFY5%
OCF(TTM)0.51
OCFY5.53%
SpS1.04
BVpS1.72
TBVpS-0.63
PEG (NY)0.67
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -57.97% | ||
| ROE | -90.83% | ||
| ROCE | 18.28% | ||
| ROIC | 13.07% | ||
| ROICexc | 13.38% | ||
| ROICexgc | N/A | ||
| OM | 40.24% | ||
| PM (TTM) | N/A | ||
| GM | 86.58% | ||
| FCFM | 43.97% |
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%
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.39
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.88 | ||
| Debt/EBITDA | 0.62 | ||
| Cap/Depr | 42.18% | ||
| Cap/Sales | 4.73% | ||
| Interest Coverage | 15.73 | ||
| Cash Conversion | 94.67% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.6 | ||
| Quick Ratio | 0.6 | ||
| Altman-Z | 4.79 |
F-Score5
WACC7.14%
ROIC/WACC1.83
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)-4358.26%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%44.87%
EPS Next Y57.14%
EPS Next 2Y39.97%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)26.87%
Revenue growth 3Y-0.88%
Revenue growth 5Y11.35%
Sales Q2Q%37.37%
Revenue Next Year21.88%
Revenue Next 2Y19.62%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y61.05%
EBIT growth 3Y-7.58%
EBIT growth 5Y19.44%
EBIT Next Year49.32%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1893.91%
FCF growth 3Y-3.69%
FCF growth 5Y13.46%
OCF growth 1Y203.87%
OCF growth 3Y-1.61%
OCF growth 5Y6.25%