DOMINION LENDING CENTRES INC (DLCG.CA) Stock Fundamental Analysis

TSX:DLCG • CA2574141024

8.61 CAD
0 (0%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, DLCG scores 5 out of 10 in our fundamental rating. DLCG was compared to 30 industry peers in the Financial Services industry. DLCG has only an average score on both its financial health and profitability. DLCG is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • DLCG had positive earnings in the past year.
  • 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.
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

  • DLCG has a Return On Assets of -52.22%. This is amonst the worse of the industry: DLCG underperforms 93.33% of its industry peers.
  • The Return On Equity of DLCG (-85.05%) is worse than 93.33% of its industry peers.
  • The Return On Invested Capital of DLCG (15.05%) is better than 86.67% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for DLCG is above the industry average of 7.21%.
  • 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's Operating Margin of 42.47% is in line compared to the rest of the industry. DLCG outperforms 60.00% of its industry peers.
  • In the last couple of years the Operating Margin of DLCG has grown nicely.
  • The Gross Margin of DLCG (87.63%) is better than 100.00% of its industry peers.
  • DLCG's Gross Margin has been stable in the last couple of years.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

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.
  • Compared to 5 years ago, DLCG has more shares outstanding
  • The debt/assets ratio for DLCG has been reduced compared to a year ago.
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 4.07. This indicates that DLCG is financially healthy and has little risk of bankruptcy at the moment.
  • DLCG has a Altman-Z score of 4.07. This is comparable to the rest of the industry: DLCG outperforms 60.00% of its industry peers.
  • The Debt to FCF ratio of DLCG is 1.13, which is an excellent value as it means it would take DLCG, only 1.13 years of fcf income to pay off all of its debts.
  • DLCG's Debt to FCF ratio of 1.13 is amongst the best of the industry. DLCG outperforms 93.33% of its industry peers.
  • A Debt/Equity ratio of 0.22 indicates that DLCG is not too dependend on debt financing.
  • 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 4.07
ROIC/WACC2.08
WACC7.25%
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.
  • DLCG's Current ratio of 0.63 is in line compared to the rest of the industry. DLCG outperforms 43.33% of its industry peers.
  • A Quick Ratio of 0.63 indicates that DLCG may have some problems paying its short term obligations.
  • With a Quick ratio value of 0.63, DLCG perfoms like the industry average, outperforming 43.33% of the companies in the same 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. 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

  • Based on estimates for the next years, DLCG will show a very strong growth in Earnings Per Share. The EPS will grow by 25.26% 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 13.10% on average per year.
EPS Next Y51.02%
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

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 26.91, DLCG can be considered very expensive at the moment.
  • Compared to the rest of the industry, the Price/Earnings ratio of DLCG indicates a somewhat cheap valuation: DLCG is cheaper than 63.33% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of DLCG to the average of the S&P500 Index (27.10), we can say DLCG is valued inline with the index average.
  • DLCG is valuated rather expensively with a Price/Forward Earnings ratio of 17.71.
  • Based on the Price/Forward Earnings ratio, DLCG is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of DLCG to the average of the S&P500 Index (28.06), we can say DLCG is valued slightly cheaper.
Industry RankSector Rank
PE 26.91
Fwd PE 17.71
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

  • 86.67% of the companies in the same industry are more expensive than DLCG, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, DLCG is valued a bit cheaper than 66.67% of the companies in the same industry.
Industry RankSector Rank
P/FCF 21.19
EV/EBITDA 14.36
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

  • 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 33.02% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.53
PEG (5Y)N/A
EPS Next 2Y39.48%
EPS Next 3Y33.02%

More info and screens

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

3

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.78%, DLCG has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 5.63, DLCG is paying slightly less dividend.
  • DLCG's Dividend Yield is comparable with the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 1.78%

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 0.05 0.1

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-8.68%
EPS Next 2Y39.48%
EPS Next 3Y33.02%
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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DOMINION LENDING CENTRES INC

TSX:DLCG (2/27/2026, 7:00:00 PM)

8.61

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06
Earnings (Next)05-05
Inst Owners28.34%
Inst Owner ChangeN/A
Ins Owners27.45%
Ins Owner ChangeN/A
Market Cap669.34M
Revenue(TTM)91.98M
Net Income(TTM)-116.03M
Analysts82
Price Target11.92 (38.44%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.78%
Yearly Dividend0.09
Dividend Growth(5Y)48.77%
DP-8.68%
Div Incr Years0
Div Non Decr Years2
Ex-DateN/A
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%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.25%
Valuation
Industry RankSector Rank
PE 26.91
Fwd PE 17.71
P/S 7.28
P/FCF 21.19
P/OCF 17.55
P/B 4.91
P/tB N/A
EV/EBITDA 14.36
EPS(TTM)0.32
EY3.72%
EPS(NY)0.49
Fwd EY5.65%
FCF(TTM)0.41
FCFY4.72%
OCF(TTM)0.49
OCFY5.7%
SpS1.18
BVpS1.75
TBVpS-0.63
PEG (NY)0.53
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 4.07
F-Score6
WACC7.25%
ROIC/WACC2.08
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 Y51.02%
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.


What is the valuation status for DLCG stock?

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 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 51.02% 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%.