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

TSX:DLCG • CA2574141024

Current stock price

9.64 CAD
-0.18 (-1.83%)
Last:

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

7

1. DLCG.CA Profitability Analysis

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.
  • 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 2025 0 -50M -100M

1.2 Ratios

  • The Return On Assets of DLCG (11.23%) is better than 96.30% of its industry peers.
  • Looking at the Return On Equity, with a value of 18.24%, DLCG belongs to the top of the industry, outperforming 92.59% of the companies in the same industry.
  • DLCG's Return On Invested Capital of 17.29% is amongst the best of the industry. DLCG outperforms 96.30% of its industry peers.
  • DLCG had an Average Return On Invested Capital over the past 3 years of 12.09%. This is above the industry average of 7.30%.
  • The 3 year average ROIC (12.09%) for DLCG is below the current ROIC(17.29%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 11.23%
ROE 18.24%
ROIC 17.29%
ROA(3y)-15.55%
ROA(5y)-8.69%
ROE(3y)-25.81%
ROE(5y)-11.41%
ROIC(3y)12.09%
ROIC(5y)12.21%
DLCG.CA Yearly ROA, ROE, ROICDLCG.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40 -60 -80

1.3 Margins

  • Looking at the Profit Margin, with a value of 25.51%, DLCG is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
  • In the last couple of years the Profit Margin of DLCG has declined.
  • DLCG's Operating Margin of 45.01% is in line compared to the rest of the industry. DLCG outperforms 55.56% of its industry peers.
  • In the last couple of years the Operating Margin of DLCG has grown nicely.
  • DLCG has a better Gross Margin (88.47%) than 100.00% of its industry peers.
  • DLCG's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 45.01%
PM (TTM) 25.51%
GM 88.47%
OM growth 3Y6.45%
OM growth 5Y5.27%
PM growth 3Y14.36%
PM growth 5Y-7.77%
GM growth 3Y1.39%
GM growth 5Y0.25%
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 2025 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.
  • Compared to 1 year ago, DLCG has less shares outstanding
  • The number of shares outstanding for DLCG has been increased compared to 5 years ago.
  • DLCG has a better debt/assets ratio than last year.
DLCG.CA Yearly Shares OutstandingDLCG.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 100M 200M 300M

2.2 Solvency

  • An Altman-Z score of 4.78 indicates that DLCG is not in any danger for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 4.78, DLCG is in the better half of the industry, outperforming 70.37% of the companies in the same industry.
  • DLCG has a debt to FCF ratio of 1.43. This is a very positive value and a sign of high solvency as it would only need 1.43 years to pay back of all of its debts.
  • DLCG has a Debt to FCF ratio of 1.43. This is amongst the best in the industry. DLCG outperforms 88.89% of its industry peers.
  • A Debt/Equity ratio of 0.23 indicates that DLCG is not too dependend on debt financing.
  • DLCG's Debt to Equity ratio of 0.23 is amongst the best of the industry. DLCG outperforms 88.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 1.43
Altman-Z 4.78
ROIC/WACC2.21
WACC7.84%
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 2025 0 50M 100M

2.3 Liquidity

  • A Current Ratio of 0.58 indicates that DLCG may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.58, DLCG is doing worse than 62.96% of the companies in the same industry.
  • DLCG has a Quick Ratio of 0.58. 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 of 0.58. This is in the lower half of the industry: DLCG underperforms 62.96% of its industry peers.
Industry RankSector Rank
Current Ratio 0.58
Quick Ratio 0.58
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 2025 20M 40M 60M

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

6

3. DLCG.CA Growth Analysis

3.1 Past

  • DLCG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 113.17%, which is quite impressive.
  • The Earnings Per Share has been decreasing by -9.68% on average over the past years.
  • Looking at the last year, DLCG shows a very strong growth in Revenue. The Revenue has grown by 25.43%.
  • DLCG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.93% yearly.
EPS 1Y (TTM)113.17%
EPS 3Y7.15%
EPS 5Y-9.68%
EPS Q2Q%160%
Revenue 1Y (TTM)25.43%
Revenue growth 3Y10.83%
Revenue growth 5Y12.93%
Sales Q2Q%19.3%

3.2 Future

  • The Earnings Per Share is expected to grow by 15.87% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 9.98% on average over the next years. This is quite good.
EPS Next Y24.95%
EPS Next 2Y21.61%
EPS Next 3Y15.87%
EPS Next 5YN/A
Revenue Next Year16.86%
Revenue Next 2Y13.13%
Revenue Next 3Y9.98%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less 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

  • Based on the Price/Earnings ratio of 24.10, the valuation of DLCG can be described as rather expensive.
  • 66.67% of the companies in the same industry are more expensive than DLCG, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.91, DLCG is valued at the same level.
  • The Price/Forward Earnings ratio is 19.29, which indicates a rather expensive current valuation of DLCG.
  • Based on the Price/Forward Earnings ratio, DLCG is valued a bit cheaper than the industry average as 70.37% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.99, DLCG is valued at the same level.
Industry RankSector Rank
PE 24.1
Fwd PE 19.29
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

  • Based on the Enterprise Value to EBITDA ratio, DLCG is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of DLCG indicates a somewhat cheap valuation: DLCG is cheaper than 62.96% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 29.52
EV/EBITDA 14.68
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.
  • DLCG has a very decent profitability rating, which may justify a higher PE ratio.
  • DLCG's earnings are expected to grow with 15.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.97
PEG (5Y)N/A
EPS Next 2Y21.61%
EPS Next 3Y15.87%

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3

5. DLCG.CA Dividend Analysis

5.1 Amount

  • DLCG has a Yearly Dividend Yield of 1.62%.
  • Compared to an average industry Dividend Yield of 5.71, DLCG is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, DLCG has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.62%

5.2 History

  • DLCG has been paying a dividend for over 5 years, so it has already some track record.
  • DLCG has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years3
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 pays out 47.62% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP47.62%
EPS Next 2Y21.61%
EPS Next 3Y15.87%
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 2025 0 -50M -100M
DLCG.CA Dividend Payout.DLCG.CA Dividend Payout, showing the Payout Ratio.DLCG.CA Dividend Payout.PayoutRetained Earnings

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DLCG.CA Fundamentals: All Metrics, Ratios and Statistics

DOMINION LENDING CENTRES INC

TSX:DLCG (4/27/2026, 7:00:00 PM)

9.64

-0.18 (-1.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-24
Earnings (Next)05-07
Inst Owners30.84%
Inst Owner ChangeN/A
Ins Owners27.45%
Ins Owner ChangeN/A
Market Cap749.41M
Revenue(TTM)96.27M
Net Income(TTM)24.56M
Analysts82
Price Target11.92 (23.65%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.62%
Yearly Dividend0.15
Dividend Growth(5Y)N/A
DP47.62%
Div Incr Years1
Div Non Decr Years3
Ex-Date06-01
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.2%
Min EPS beat(2)-17.04%
Max EPS beat(2)27.45%
EPS beat(4)3
Avg EPS beat(4)27.42%
Min EPS beat(4)-17.04%
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)-1.02%
Min Revenue beat(2)-2.15%
Max Revenue beat(2)0.12%
Revenue beat(4)3
Avg Revenue beat(4)6.45%
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)-0.53%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)5.38%
EPS NY rev (3m)2.8%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.19%
Revenue NY rev (3m)1.49%
Valuation
Industry RankSector Rank
PE 24.1
Fwd PE 19.29
P/S 7.78
P/FCF 29.52
P/OCF 23.41
P/B 5.57
P/tB N/A
EV/EBITDA 14.68
EPS(TTM)0.4
EY4.15%
EPS(NY)0.5
Fwd EY5.18%
FCF(TTM)0.33
FCFY3.39%
OCF(TTM)0.41
OCFY4.27%
SpS1.24
BVpS1.73
TBVpS-0.63
PEG (NY)0.97
PEG (5Y)N/A
Graham Number3.94783 (-59.05%)
Profitability
Industry RankSector Rank
ROA 11.23%
ROE 18.24%
ROCE 24.98%
ROIC 17.29%
ROICexc 17.48%
ROICexgc N/A
OM 45.01%
PM (TTM) 25.51%
GM 88.47%
FCFM 26.37%
ROA(3y)-15.55%
ROA(5y)-8.69%
ROE(3y)-25.81%
ROE(5y)-11.41%
ROIC(3y)12.09%
ROIC(5y)12.21%
ROICexc(3y)12.33%
ROICexc(5y)12.82%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)17.15%
ROCE(5y)17.09%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y16.99%
ROICexc growth 5Y22.24%
OM growth 3Y6.45%
OM growth 5Y5.27%
PM growth 3Y14.36%
PM growth 5Y-7.77%
GM growth 3Y1.39%
GM growth 5Y0.25%
F-Score8
Asset Turnover0.44
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF 1.43
Debt/EBITDA 0.58
Cap/Depr 70.27%
Cap/Sales 6.88%
Interest Coverage 30.24
Cash Conversion 60.67%
Profit Quality 103.38%
Current Ratio 0.58
Quick Ratio 0.58
Altman-Z 4.78
F-Score8
WACC7.84%
ROIC/WACC2.21
Cap/Depr(3y)93.69%
Cap/Depr(5y)90.88%
Cap/Sales(3y)11.54%
Cap/Sales(5y)10.25%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)113.17%
EPS 3Y7.15%
EPS 5Y-9.68%
EPS Q2Q%160%
EPS Next Y24.95%
EPS Next 2Y21.61%
EPS Next 3Y15.87%
EPS Next 5YN/A
Revenue 1Y (TTM)25.43%
Revenue growth 3Y10.83%
Revenue growth 5Y12.93%
Sales Q2Q%19.3%
Revenue Next Year16.86%
Revenue Next 2Y13.13%
Revenue Next 3Y9.98%
Revenue Next 5YN/A
EBIT growth 1Y46.82%
EBIT growth 3Y17.98%
EBIT growth 5Y18.88%
EBIT Next Year45.75%
EBIT Next 3Y21.5%
EBIT Next 5YN/A
FCF growth 1Y-16.49%
FCF growth 3Y43.27%
FCF growth 5Y0.75%
OCF growth 1Y-13.96%
OCF growth 3Y26.34%
OCF growth 5Y-0.72%

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 6 / 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.


What is the profitability of DLCG stock?

DOMINION LENDING CENTRES INC (DLCG.CA) has a profitability rating of 7 / 10.


What are the PE and PB ratios of DOMINION LENDING CENTRES INC (DLCG.CA) stock?

The Price/Earnings (PE) ratio for DOMINION LENDING CENTRES INC (DLCG.CA) is 24.1 and the Price/Book (PB) ratio is 5.57.


How financially healthy is DOMINION LENDING CENTRES INC?

The financial health rating of DOMINION LENDING CENTRES INC (DLCG.CA) is 6 / 10.