DOMINION LENDING CENTRES INC (DLCG.CA) Fundamental Analysis & Valuation

TSX:DLCG • CA2574141024

Current stock price

9.35 CAD
+0.14 (+1.52%)
Last:

This DLCG.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. DLCG.CA Profitability Analysis

1.1 Basic Checks

  • DLCG had positive earnings in the past year.
  • In the past year DLCG had a positive cash flow from operations.
  • In multiple years DLCG reported negative net income over the last 5 years.
  • In the past 5 years DLCG always reported a positive cash flow from operatings.
DLCG.CA Yearly Net Income VS EBIT VS OCF VS FCFDLCG.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50M -100M

1.2 Ratios

  • The Return On Assets of DLCG (-52.22%) is worse than 93.33% of its industry peers.
  • DLCG has a Return On Equity of -85.05%. This is amonst the worse of the industry: DLCG underperforms 93.33% of its industry peers.
  • DLCG's Return On Invested Capital of 15.05% is amongst the best of the industry. DLCG outperforms 86.67% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for DLCG is in line with the industry average of 7.70%.
  • The 3 year average ROIC (9.66%) for DLCG is below the current ROIC(15.05%), indicating increased profibility in the last year.
Industry RankSector 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%
DLCG.CA Yearly ROA, ROE, ROICDLCG.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 -60 -80

1.3 Margins

  • DLCG has a Operating Margin (42.47%) which is comparable to the rest of the industry.
  • DLCG's Operating Margin has improved in the last couple of years.
  • DLCG has a Gross Margin of 87.63%. This is amongst the best in 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 RankSector 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%
DLCG.CA Yearly Profit, Operating, Gross MarginsDLCG.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100 -150

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6

2. DLCG.CA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), DLCG is creating value.
  • The number of shares outstanding for DLCG has been increased compared to 1 year ago.
  • The number of shares outstanding for DLCG has been increased compared to 5 years ago.
  • Compared to 1 year ago, DLCG has an improved debt to assets ratio.
DLCG.CA Yearly Shares OutstandingDLCG.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
DLCG.CA Yearly Total Debt VS Total AssetsDLCG.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

  • DLCG has an Altman-Z score of 4.48. This indicates that DLCG is financially healthy and has little risk of bankruptcy at the moment.
  • With a decent Altman-Z score value of 4.48, DLCG is doing good in the industry, outperforming 73.33% of the companies in the same industry.
  • 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.
  • DLCG has a better Debt to FCF ratio (1.13) than 93.33% 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 Debt to Equity ratio of 0.22. This is amongst the best in the industry. DLCG outperforms 86.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 1.13
Altman-Z 4.48
ROIC/WACC2.09
WACC7.21%
DLCG.CA Yearly LT Debt VS Equity VS FCFDLCG.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

2.3 Liquidity

  • DLCG has a Current Ratio of 0.63. This is a bad value and indicates that DLCG is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of DLCG (0.63) is comparable to the rest of the industry.
  • DLCG has a Quick Ratio of 0.63. This is a bad value and indicates that DLCG is not financially healthy enough and could expect problems in meeting its short term obligations.
  • DLCG has a Quick ratio (0.63) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.63
Quick Ratio 0.63
DLCG.CA Yearly Current Assets VS Current LiabilitesDLCG.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. DLCG.CA Growth Analysis

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%.
  • The Revenue has been growing by 11.35% on average over the past years. This is quite good.
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

  • DLCG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.26% yearly.
  • The Revenue is expected to grow by 13.10% on average over the next years. This is quite good.
EPS Next Y53.06%
EPS Next 2Y37.77%
EPS Next 3Y32.89%
EPS Next 5Y25.26%
Revenue Next Year24.59%
Revenue Next 2Y19.36%
Revenue Next 3Y15.99%
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.
DLCG.CA Yearly Revenue VS EstimatesDLCG.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20M 40M 60M 80M 100M
DLCG.CA Yearly EPS VS EstimatesDLCG.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 0.2 -0.2 0.4 -0.4 0.6

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5

4. DLCG.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 29.22, which means the current valuation is very expensive for DLCG.
  • DLCG's Price/Earnings ratio is a bit cheaper when compared to the industry. DLCG is cheaper than 66.67% of the companies in the same industry.
  • DLCG is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 24.89, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 19.71, the valuation of DLCG can be described as rather expensive.
  • Based on the Price/Forward Earnings ratio, DLCG is valued a bit cheaper than 70.00% of the companies in the same industry.
  • DLCG is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 29.22
Fwd PE 19.71
DLCG.CA Price Earnings VS Forward Price EarningsDLCG.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

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 86.67% of the companies listed in the same industry.
  • DLCG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. DLCG is cheaper than 73.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF 23.01
EV/EBITDA 15.55
DLCG.CA Per share dataDLCG.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 -0.5 1 1.5

4.3 Compensation for Growth

  • DLCG's 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 32.89% in the coming years.
PEG (NY)0.55
PEG (5Y)N/A
EPS Next 2Y37.77%
EPS Next 3Y32.89%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. DLCG.CA Dividend Analysis

5.1 Amount

  • DLCG has a Yearly Dividend Yield of 1.74%.
  • DLCG's Dividend Yield is slightly below the industry average, which is at 5.48.
  • DLCG's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.74%

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.
  • DLCG has decreased its dividend in the last 3 years.
Dividend Growth(5Y)48.77%
Div Incr Years0
Div Non Decr Years2
DLCG.CA Yearly Dividends per shareDLCG.CA Yearly Dividends per shareYearly Dividends per share 2017 2018 2022 2023 2024 2025 2026 0.05 0.1

5.3 Sustainability

  • DLCG has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • DLCG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP-8.68%
EPS Next 2Y37.77%
EPS Next 3Y32.89%
DLCG.CA Yearly Income VS Free CF VS DividendDLCG.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50M -100M

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DLCG.CA Fundamentals: All Metrics, Ratios and Statistics

DOMINION LENDING CENTRES INC

TSX:DLCG (3/27/2026, 7:00:00 PM)

9.35

+0.14 (+1.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-24
Earnings (Next)05-05
Inst Owners30.22%
Inst Owner ChangeN/A
Ins Owners27.45%
Ins Owner ChangeN/A
Market Cap726.87M
Revenue(TTM)91.98M
Net Income(TTM)-116.03M
Analysts82.22
Price Target11.99 (28.24%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.74%
Yearly Dividend0.09
Dividend Growth(5Y)48.77%
DP-8.68%
Div Incr Years0
Div Non Decr Years2
Ex-Date03-02
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)0%
PT rev (3m)0.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.44%
EPS NY rev (1m)1.35%
EPS NY rev (3m)1.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.16%
Revenue NY rev (1m)0.3%
Revenue NY rev (3m)0.3%
Valuation
Industry RankSector Rank
PE 29.22
Fwd PE 19.71
P/S 7.9
P/FCF 23.01
P/OCF 19.06
P/B 5.33
P/tB N/A
EV/EBITDA 15.55
EPS(TTM)0.32
EY3.42%
EPS(NY)0.47
Fwd EY5.07%
FCF(TTM)0.41
FCFY4.35%
OCF(TTM)0.49
OCFY5.25%
SpS1.18
BVpS1.75
TBVpS-0.63
PEG (NY)0.55
PEG (5Y)N/A
Graham Number3.55
Profitability
Industry RankSector 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 RankSector 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 4.48
F-Score6
WACC7.21%
ROIC/WACC2.09
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 Y53.06%
EPS Next 2Y37.77%
EPS Next 3Y32.89%
EPS Next 5Y25.26%
Revenue 1Y (TTM)30.92%
Revenue growth 3Y-0.88%
Revenue growth 5Y11.35%
Sales Q2Q%19.52%
Revenue Next Year24.59%
Revenue Next 2Y19.36%
Revenue Next 3Y15.99%
Revenue Next 5Y13.1%
EBIT growth 1Y56.39%
EBIT growth 3Y-7.58%
EBIT growth 5Y19.44%
EBIT Next Year52.47%
EBIT Next 3Y28.91%
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 Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for DOMINION LENDING CENTRES INC?

ChartMill assigns a fundamental rating of 5 / 10 to DLCG.CA.


What is the valuation status for DLCG stock?

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 earnings growth outlook for DOMINION LENDING CENTRES INC?

The Earnings per Share (EPS) of DOMINION LENDING CENTRES INC (DLCG.CA) is expected to grow by 53.06% in the next year.


Is the dividend of DOMINION LENDING CENTRES INC sustainable?

The dividend rating of DOMINION LENDING CENTRES INC (DLCG.CA) is 3 / 10 and the dividend payout ratio is -8.68%.