DOMINION LENDING CENTRES INC (DLCG.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:DLCG - CA2574141024 - Common Stock
8.5 CAD
-0.61 (-6.7%)
DLCG gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 28 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.
- The reported net income has been mixed in the past 5 years: DLCG reported negative net income in multiple years.
- In the past 5 years DLCG always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of DLCG (-52.22%) is worse than 92.86% of its industry peers.
- DLCG's Return On Equity of -85.05% is on the low side compared to the rest of the industry. DLCG is outperformed by 92.86% of its industry peers.
- DLCG's Return On Invested Capital of 15.05% is amongst the best of the industry. DLCG outperforms 89.29% of its industry peers.
- DLCG had an Average Return On Invested Capital over the past 3 years of 9.66%. This is in line with the industry average of 7.80%.
- The 3 year average ROIC (9.66%) for DLCG is below the current ROIC(15.05%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
- DLCG's Operating Margin of 42.47% is in line compared to the rest of the industry. DLCG outperforms 53.57% of its industry peers.
- In the last couple of years the Operating Margin of DLCG has grown nicely.
- DLCG has a better Gross Margin (87.63%) than 100.00% of its industry peers.
- In the last couple of years the Gross Margin of DLCG has remained more or less at the same level.
| Industry Rank | Sector 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%
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
- 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.
2.2 Solvency
- An Altman-Z score of 4.01 indicates that DLCG is not in any danger for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 4.01, DLCG is in line with its industry, outperforming 53.57% of the companies in the same industry.
- DLCG has a debt to FCF ratio of 1.13. This is a very positive value and a sign of high solvency as it would only need 1.13 years to pay back of all of its debts.
- With an excellent Debt to FCF ratio value of 1.13, DLCG belongs to the best of the industry, outperforming 92.86% of the companies in the same industry.
- A Debt/Equity ratio of 0.22 indicates that DLCG is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.22, DLCG belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.13 | ||
| Altman-Z | 4.01 |
ROIC/WACC2.08
WACC7.23%
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 46.43% of its industry peers.
- DLCG has a Quick 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.
- Looking at the Quick ratio, with a value of 0.63, DLCG is in line with its industry, outperforming 46.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.63 | ||
| Quick Ratio | 0.63 |
3. Growth
3.1 Past
- DLCG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -1224.86%.
- The Revenue has grown by 30.92% in the past year. This is a very strong growth!
- 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)-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
- The Earnings Per Share is expected to grow by 25.26% on average over the next years. This is a very strong growth
- DLCG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.10% yearly.
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
- 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
- The Price/Earnings ratio is 26.56, which means the current valuation is very expensive for DLCG.
- DLCG's Price/Earnings ratio is a bit cheaper when compared to the industry. DLCG is cheaper than 60.71% of the companies in the same industry.
- When comparing the Price/Earnings ratio of DLCG to the average of the S&P500 Index (27.38), we can say DLCG is valued inline with the index average.
- With a Price/Forward Earnings ratio of 17.48, DLCG is valued on the expensive side.
- Based on the Price/Forward Earnings ratio, DLCG is valued a bit cheaper than 64.29% of the companies in the same industry.
- DLCG is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.56 | ||
| Fwd PE | 17.48 |
4.2 Price Multiples
- DLCG's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. DLCG is cheaper than 85.71% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, DLCG is valued a bit cheaper than the industry average as 71.43% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.92 | ||
| EV/EBITDA | 14.18 |
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 33.02% in the coming years.
PEG (NY)0.52
PEG (5Y)N/A
EPS Next 2Y39.48%
EPS Next 3Y33.02%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.74%, DLCG has a reasonable but not impressive dividend return.
- DLCG's Dividend Yield is slightly below the industry average, which is at 6.56.
- Compared to an average S&P500 Dividend Yield of 1.84, DLCG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.74% |
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.
- 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
- 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-8.68%
EPS Next 2Y39.48%
EPS Next 3Y33.02%
TSX:DLCG (1/19/2026, 7:00:00 PM)
8.5
-0.61 (-6.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)05-05 2026-05-05
Inst Owners28.34%
Inst Owner ChangeN/A
Ins Owners27.45%
Ins Owner ChangeN/A
Market Cap660.79M
Revenue(TTM)91.98M
Net Income(TTM)-116.03M
Analysts82
Price Target11.92 (40.24%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.74% |
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)4.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-12.12%
EPS NY rev (1m)-1.77%
EPS NY rev (3m)-5.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.55%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.56 | ||
| Fwd PE | 17.48 | ||
| P/S | 7.18 | ||
| P/FCF | 20.92 | ||
| P/OCF | 17.33 | ||
| P/B | 4.84 | ||
| P/tB | N/A | ||
| EV/EBITDA | 14.18 |
EPS(TTM)0.32
EY3.76%
EPS(NY)0.49
Fwd EY5.72%
FCF(TTM)0.41
FCFY4.78%
OCF(TTM)0.49
OCFY5.77%
SpS1.18
BVpS1.75
TBVpS-0.63
PEG (NY)0.52
PEG (5Y)N/A
Graham Number3.55
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 4.01 |
F-Score6
WACC7.23%
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%.