DOMINION LENDING CENTRES INC (DLCG.CA) Stock Fundamental Analysis
TSX:DLCG - Toronto Stock Exchange - CA2574141024 - Common Stock - Currency: CAD
Taking everything into account, DLCG scores 5 out of 10 in our fundamental rating. DLCG was compared to 29 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
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.
DLCG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of DLCG (-57.97%) is worse than 96.55% of its industry peers.
The Return On Equity of DLCG (-90.83%) is worse than 93.10% of its industry peers.
With an excellent Return On Invested Capital value of 13.07%, DLCG belongs to the best of the industry, outperforming 93.10% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for DLCG is above the industry average of 5.87%.
The 3 year average ROIC (9.66%) for DLCG is below the current ROIC(13.07%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -57.97% | ||
| ROE | -90.83% | ||
| ROIC | 13.07% |
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's Operating Margin of 40.24% is in line compared to the rest of the industry. DLCG outperforms 48.28% of its industry peers.
In the last couple of years the Operating Margin of DLCG has grown nicely.
The Gross Margin of DLCG (86.58%) is better than 100.00% of its industry peers.
DLCG's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 40.24% | ||
| PM (TTM) | N/A | ||
| GM | 86.58% |
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.
Compared to 1 year ago, DLCG has an improved debt to assets ratio.
2.2 Solvency
DLCG has an Altman-Z score of 4.98. This indicates that DLCG is financially healthy and has little risk of bankruptcy at the moment.
With a Altman-Z score value of 4.98, DLCG perfoms like the industry average, outperforming 58.62% of the companies in the same industry.
The Debt to FCF ratio of DLCG is 0.88, which is an excellent value as it means it would take DLCG, only 0.88 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of DLCG (0.88) is better than 96.55% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that DLCG is not too dependend on debt financing.
DLCG has a better Debt to Equity ratio (0.19) than 93.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.88 | ||
| Altman-Z | 4.98 |
ROIC/WACC1.85
WACC7.06%
2.3 Liquidity
DLCG has a Current Ratio of 0.60. 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 0.60 is fine compared to the rest of the industry. DLCG outperforms 65.52% of its industry peers.
DLCG has a Quick Ratio of 0.60. 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 better Quick ratio (0.60) than 65.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.6 | ||
| Quick Ratio | 0.6 |
3. Growth
3.1 Past
The earnings per share for DLCG have decreased strongly by -4358.26% in the last year.
Looking at the last year, DLCG shows a very strong growth in Revenue. The Revenue has grown by 26.87%.
Measured over the past years, DLCG shows a quite strong growth in Revenue. The Revenue has been growing by 11.35% on average per year.
EPS 1Y (TTM)-4358.26%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%44.87%
Revenue 1Y (TTM)26.87%
Revenue growth 3Y-0.88%
Revenue growth 5Y11.35%
Sales Q2Q%37.37%
3.2 Future
The Earnings Per Share is expected to grow by 39.97% 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 19.62% on average per year.
EPS Next Y57.14%
EPS Next 2Y39.97%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.88%
Revenue Next 2Y19.62%
Revenue Next 3YN/A
Revenue Next 5YN/A
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 39.42, DLCG can be considered very expensive at the moment.
DLCG's Price/Earnings ratio is a bit cheaper when compared to the industry. DLCG is cheaper than 62.07% of the companies in the same industry.
When comparing the Price/Earnings ratio of DLCG to the average of the S&P500 Index (26.60), we can say DLCG is valued slightly more expensively.
Based on the Price/Forward Earnings ratio of 19.32, the valuation of DLCG can be described as rather expensive.
68.97% of the companies in the same industry are more expensive than DLCG, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of DLCG to the average of the S&P500 Index (22.39), we can say DLCG is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.42 | ||
| Fwd PE | 19.32 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, DLCG is valued cheaper than 93.10% of the companies in the same industry.
DLCG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. DLCG is cheaper than 86.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.69 | ||
| EV/EBITDA | 18.31 |
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 39.97% in the coming years.
PEG (NY)0.69
PEG (5Y)N/A
EPS Next 2Y39.97%
EPS Next 3YN/A
5. Dividend
5.1 Amount
DLCG has a Yearly Dividend Yield of 1.68%. Purely for dividend investing, there may be better candidates out there.
DLCG's Dividend Yield is slightly below the industry average, which is at 6.44.
Compared to the average S&P500 Dividend Yield of 2.39, DLCG is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.68% |
5.2 History
The dividend of DLCG is nicely growing with an annual growth rate of 48.77%!
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
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-5.43%
EPS Next 2Y39.97%
EPS Next 3YN/A
TSX:DLCG (6/12/2025, 7:00:00 PM)
9.46
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners21.11%
Inst Owner ChangeN/A
Ins Owners34.32%
Ins Owner ChangeN/A
Market Cap744.69M
Analysts82.22
Price Target10.71 (13.21%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.68% |
Yearly Dividend0.09
Dividend Growth(5Y)48.77%
DP-5.43%
Div Incr Years0
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)28.68%
Min EPS beat(2)-38.73%
Max EPS beat(2)96.08%
EPS beat(4)1
Avg EPS beat(4)4.37%
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)9.86%
Min Revenue beat(2)-2.01%
Max Revenue beat(2)21.72%
Revenue beat(4)2
Avg Revenue beat(4)3.39%
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)5.88%
PT rev (3m)11.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)6.94%
Revenue NQ rev (1m)-0.22%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.42 | ||
| Fwd PE | 19.32 | ||
| P/S | 9.1 | ||
| P/FCF | 20.69 | ||
| P/OCF | 18.68 | ||
| P/B | 5.49 | ||
| P/tB | N/A | ||
| EV/EBITDA | 18.31 |
EPS(TTM)0.24
EY2.54%
EPS(NY)0.49
Fwd EY5.18%
FCF(TTM)0.46
FCFY4.83%
OCF(TTM)0.51
OCFY5.35%
SpS1.04
BVpS1.72
TBVpS-0.63
PEG (NY)0.69
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -57.97% | ||
| ROE | -90.83% | ||
| ROCE | 18.28% | ||
| ROIC | 13.07% | ||
| ROICexc | 13.38% | ||
| ROICexgc | N/A | ||
| OM | 40.24% | ||
| PM (TTM) | N/A | ||
| GM | 86.58% | ||
| FCFM | 43.97% |
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%
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.39
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.88 | ||
| Debt/EBITDA | 0.62 | ||
| Cap/Depr | 42.18% | ||
| Cap/Sales | 4.73% | ||
| Interest Coverage | 15.73 | ||
| Cash Conversion | 94.67% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.6 | ||
| Quick Ratio | 0.6 | ||
| Altman-Z | 4.98 |
F-Score5
WACC7.06%
ROIC/WACC1.85
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)-4358.26%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%44.87%
EPS Next Y57.14%
EPS Next 2Y39.97%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)26.87%
Revenue growth 3Y-0.88%
Revenue growth 5Y11.35%
Sales Q2Q%37.37%
Revenue Next Year21.88%
Revenue Next 2Y19.62%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y61.05%
EBIT growth 3Y-7.58%
EBIT growth 5Y19.44%
EBIT Next Year49.32%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1893.91%
FCF growth 3Y-3.69%
FCF growth 5Y13.46%
OCF growth 1Y203.87%
OCF growth 3Y-1.61%
OCF growth 5Y6.25%