DOMINION LENDING CENTRES INC (DLCG.CA) Stock Fundamental Analysis
Canada - TSX:DLCG - CA2574141024 - Common Stock
10.41 CAD
+0.02 (+0.19%)
Taking everything into account, DLCG scores 5 out of 10 in our fundamental rating. DLCG was compared to 27 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.
In the past year DLCG had a positive cash flow from operations.
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 -54.73%. This is amonst the worse of the industry: DLCG underperforms 96.30% of its industry peers.
The Return On Equity of DLCG (-86.11%) is worse than 92.59% of its industry peers.
The Return On Invested Capital of DLCG (14.41%) is better than 92.59% of its industry peers.
The Average Return On Invested Capital over the past 3 years for DLCG is above the industry average of 5.55%.
The last Return On Invested Capital (14.41%) for DLCG is above the 3 year average (9.66%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -54.73% | ||
| ROE | -86.11% | ||
| ROIC | 14.41% |
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 (41.74%) which is comparable to the rest of the industry.
DLCG's Operating Margin has improved in the last couple of years.
With an excellent Gross Margin value of 86.83%, DLCG belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
DLCG's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 41.74% | ||
| PM (TTM) | N/A | ||
| GM | 86.83% |
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
The debt/assets ratio for DLCG has been reduced compared to a year ago.
2.2 Solvency
DLCG has an Altman-Z score of 5.47. This indicates that DLCG is financially healthy and has little risk of bankruptcy at the moment.
DLCG has a Altman-Z score (5.47) which is in line with its industry peers.
The Debt to FCF ratio of DLCG is 0.84, which is an excellent value as it means it would take DLCG, only 0.84 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.84, DLCG belongs to the top of the industry, outperforming 92.59% of the companies in the same industry.
A Debt/Equity ratio of 0.17 indicates that DLCG is not too dependend on debt financing.
DLCG's Debt to Equity ratio of 0.17 is amongst the best of the industry. DLCG outperforms 92.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.84 | ||
| Altman-Z | 5.47 |
ROIC/WACC2
WACC7.22%
2.3 Liquidity
A Current Ratio of 0.66 indicates that DLCG may have some problems paying its short term obligations.
With a Current ratio value of 0.66, DLCG perfoms like the industry average, outperforming 59.26% of the companies in the same industry.
DLCG has a Quick Ratio of 0.66. This is a bad value and indicates that DLCG is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.66, DLCG is in line with its industry, outperforming 59.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.66 | ||
| Quick Ratio | 0.66 |
3. Growth
3.1 Past
DLCG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -1233.06%.
DLCG shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.38%.
The Revenue has been growing by 11.35% on average over the past years. This is quite good.
EPS 1Y (TTM)-1233.06%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
Revenue 1Y (TTM)29.38%
Revenue growth 3Y-0.88%
Revenue growth 5Y11.35%
Sales Q2Q%30.98%
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 25.98% on average per year.
Based on estimates for the next years, DLCG will show a quite strong growth in Revenue. The Revenue will grow by 13.26% on average per year.
EPS Next Y57.82%
EPS Next 2Y39.97%
EPS Next 3Y30.94%
EPS Next 5Y25.98%
Revenue Next Year24.53%
Revenue Next 2Y19.99%
Revenue Next 3Y15.88%
Revenue Next 5Y13.26%
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 35.90.
Based on the Price/Earnings ratio, DLCG is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
DLCG is valuated rather expensively when we compare the Price/Earnings ratio to 26.06, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 21.26, the valuation of DLCG can be described as rather expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of DLCG indicates a somewhat cheap valuation: DLCG is cheaper than 70.37% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of DLCG to the average of the S&P500 Index (32.73), we can say DLCG is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.9 | ||
| Fwd PE | 21.26 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, DLCG is valued cheaply inside the industry as 92.59% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, DLCG is valued cheaper than 81.48% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.92 | ||
| EV/EBITDA | 18.39 |
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 30.94% in the coming years.
PEG (NY)0.62
PEG (5Y)N/A
EPS Next 2Y39.97%
EPS Next 3Y30.94%
5. Dividend
5.1 Amount
DLCG has a Yearly Dividend Yield of 1.54%. Purely for dividend investing, there may be better candidates out there.
DLCG's Dividend Yield is slightly below the industry average, which is at 6.86.
Compared to the average S&P500 Dividend Yield of 2.36, DLCG is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.54% |
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
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-7.01%
EPS Next 2Y39.97%
EPS Next 3Y30.94%
TSX:DLCG (11/7/2025, 7:00:00 PM)
10.41
+0.02 (+0.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners22.53%
Inst Owner ChangeN/A
Ins Owners27.15%
Ins Owner ChangeN/A
Market Cap818.23M
Revenue(TTM)87.67M
Net Income(TTM)-119.61M
Analysts82
Price Target11.54 (10.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.54% |
Yearly Dividend0.09
Dividend Growth(5Y)48.77%
DP-7.01%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)49.64%
Min EPS beat(2)3.2%
Max EPS beat(2)96.08%
EPS beat(4)2
Avg EPS beat(4)9.75%
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)2
Avg Revenue beat(2)13.93%
Min Revenue beat(2)6.13%
Max Revenue beat(2)21.72%
Revenue beat(4)2
Avg Revenue beat(4)4.83%
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)1.12%
PT rev (3m)4.42%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.14%
EPS NY rev (1m)-0.85%
EPS NY rev (3m)0.43%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)-2.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.9 | ||
| Fwd PE | 21.26 | ||
| P/S | 9.33 | ||
| P/FCF | 22.92 | ||
| P/OCF | 20.41 | ||
| P/B | 5.89 | ||
| P/tB | N/A | ||
| EV/EBITDA | 18.39 |
EPS(TTM)0.29
EY2.79%
EPS(NY)0.49
Fwd EY4.7%
FCF(TTM)0.45
FCFY4.36%
OCF(TTM)0.51
OCFY4.9%
SpS1.12
BVpS1.77
TBVpS-0.58
PEG (NY)0.62
PEG (5Y)N/A
Graham Number3.4
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -54.73% | ||
| ROE | -86.11% | ||
| ROCE | 20.07% | ||
| ROIC | 14.41% | ||
| ROICexc | 14.71% | ||
| ROICexgc | N/A | ||
| OM | 41.74% | ||
| PM (TTM) | N/A | ||
| GM | 86.83% | ||
| FCFM | 40.72% |
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-Score7
Asset Turnover0.4
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.84 | ||
| Debt/EBITDA | 0.53 | ||
| Cap/Depr | 47.1% | ||
| Cap/Sales | 5% | ||
| Interest Coverage | 19.85 | ||
| Cash Conversion | 87.34% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.66 | ||
| Quick Ratio | 0.66 | ||
| Altman-Z | 5.47 |
F-Score7
WACC7.22%
ROIC/WACC2
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)-1233.06%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
EPS Next Y57.82%
EPS Next 2Y39.97%
EPS Next 3Y30.94%
EPS Next 5Y25.98%
Revenue 1Y (TTM)29.38%
Revenue growth 3Y-0.88%
Revenue growth 5Y11.35%
Sales Q2Q%30.98%
Revenue Next Year24.53%
Revenue Next 2Y19.99%
Revenue Next 3Y15.88%
Revenue Next 5Y13.26%
EBIT growth 1Y54.78%
EBIT growth 3Y-7.58%
EBIT growth 5Y19.44%
EBIT Next Year53.8%
EBIT Next 3Y30.62%
EBIT Next 5Y23.52%
FCF growth 1Y864.17%
FCF growth 3Y-3.69%
FCF growth 5Y13.46%
OCF growth 1Y487.89%
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 6 / 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 57.82% in the next year.