DOMINION LENDING CENTRES INC (DLCG.CA) Stock Fundamental Analysis
Canada - TSX:DLCG - CA2574141024 - Common Stock
10.14 CAD
-0.12 (-1.17%)
Overall DLCG gets a fundamental rating of 5 out of 10. We evaluated DLCG against 27 industry peers in the Financial Services industry. Both the profitability and the financial health of DLCG get a neutral evaluation. Nothing too spectacular is happening here. DLCG has a correct valuation and a medium growth rate.
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.
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.
1.2 Ratios
DLCG's Return On Assets of -54.73% is on the low side compared to the rest of the industry. DLCG is outperformed by 96.30% of its industry peers.
With a Return On Equity value of -86.11%, DLCG is not doing good in the industry: 92.59% of the companies in the same industry are doing better.
DLCG's Return On Invested Capital of 14.41% is amongst the best of the industry. DLCG outperforms 92.59% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for DLCG is above the industry average of 5.55%.
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 in line with its industry peers.
DLCG's Operating Margin has improved in the last couple of years.
DLCG has a Gross Margin of 86.83%. 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 | 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.
The number of shares outstanding for DLCG has been increased compared to 1 year ago.
DLCG has more shares outstanding than it did 5 years ago.
The debt/assets ratio for DLCG has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 5.31 indicates that DLCG is not in any danger for bankruptcy at the moment.
DLCG's Altman-Z score of 5.31 is in line compared to the rest of the industry. DLCG outperforms 59.26% of its industry peers.
DLCG has a debt to FCF ratio of 0.84. This is a very positive value and a sign of high solvency as it would only need 0.84 years to pay back of all of its debts.
DLCG has a better Debt to FCF ratio (0.84) than 92.59% of its industry peers.
DLCG has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
DLCG has a Debt to Equity ratio of 0.17. This is amongst the best in the industry. DLCG outperforms 92.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.84 | ||
| Altman-Z | 5.31 |
ROIC/WACC2
WACC7.21%
2.3 Liquidity
A Current Ratio of 0.66 indicates that DLCG may have some problems paying its short term obligations.
DLCG has a Current ratio (0.66) which is in line with its industry peers.
A Quick Ratio of 0.66 indicates that DLCG may have some problems paying its short term obligations.
DLCG's Quick ratio of 0.66 is in line compared to the rest of the industry. DLCG outperforms 59.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.66 | ||
| Quick Ratio | 0.66 |
3. Growth
3.1 Past
The earnings per share for DLCG have decreased strongly by -1233.06% in the last year.
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
The Earnings Per Share is expected to grow by 25.98% on average over the next years. This is a very strong growth
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
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.
4. Valuation
4.1 Price/Earnings Ratio
DLCG is valuated quite expensively with a Price/Earnings ratio of 34.97.
66.67% of the companies in the same industry are more expensive than DLCG, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of DLCG to the average of the S&P500 Index (26.35), we can say DLCG is valued slightly more expensively.
Based on the Price/Forward Earnings ratio of 20.71, 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.
DLCG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 33.72.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.97 | ||
| Fwd PE | 20.71 |
4.2 Price Multiples
92.59% 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 cheaper than 81.48% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.32 | ||
| EV/EBITDA | 17.93 |
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.
A more expensive valuation may be justified as DLCG's earnings are expected to grow with 30.94% in the coming years.
PEG (NY)0.6
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%.
Compared to an average industry Dividend Yield of 6.86, DLCG is paying slightly less dividend.
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.
DLCG has decreased its dividend 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.
The dividend of DLCG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP-7.01%
EPS Next 2Y39.97%
EPS Next 3Y30.94%
TSX:DLCG (11/11/2025, 7:00:00 PM)
10.14
-0.12 (-1.17%)
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 Cap797.00M
Revenue(TTM)87.67M
Net Income(TTM)-119.61M
Analysts82
Price Target11.54 (13.81%)
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 | 34.97 | ||
| Fwd PE | 20.71 | ||
| P/S | 9.09 | ||
| P/FCF | 22.32 | ||
| P/OCF | 19.88 | ||
| P/B | 5.74 | ||
| P/tB | N/A | ||
| EV/EBITDA | 17.93 |
EPS(TTM)0.29
EY2.86%
EPS(NY)0.49
Fwd EY4.83%
FCF(TTM)0.45
FCFY4.48%
OCF(TTM)0.51
OCFY5.03%
SpS1.12
BVpS1.77
TBVpS-0.58
PEG (NY)0.6
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 | 5.31 |
F-Score7
WACC7.21%
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.