DOMINION LENDING CENTRES INC (DLCG.CA) Stock Fundamental Analysis
Canada - TSX:DLCG - CA2574141024 - Common Stock
10.31 CAD
-0.09 (-0.87%)
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. 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
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
With a Return On Assets value of -54.73%, DLCG is not doing good in the industry: 96.55% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of -86.11%, DLCG is doing worse than 93.10% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 14.41%, DLCG belongs to the top of the industry, outperforming 93.10% of the companies in the same industry.
DLCG had an Average Return On Invested Capital over the past 3 years of 9.66%. This is above the industry average of 5.38%.
The 3 year average ROIC (9.66%) for DLCG is below the current ROIC(14.41%), indicating increased profibility in the last year.
| 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
The Operating Margin of DLCG (41.74%) is comparable to the rest of the industry.
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.
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 | 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
DLCG has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, DLCG has more shares outstanding
DLCG has more shares outstanding than it did 5 years ago.
DLCG has a better debt/assets ratio than last year.
2.2 Solvency
DLCG has an Altman-Z score of 5.43. This indicates that DLCG is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 5.43, DLCG is in line with its industry, outperforming 58.62% of the companies in the same industry.
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 Debt to FCF ratio of 0.84. This is amongst the best in the industry. DLCG outperforms 93.10% 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's Debt to Equity ratio of 0.17 is amongst the best of the industry. DLCG outperforms 93.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.84 | ||
| Altman-Z | 5.43 |
ROIC/WACC1.95
WACC7.4%
2.3 Liquidity
A Current Ratio of 0.66 indicates that DLCG may have some problems paying its short term obligations.
The Current ratio of DLCG (0.66) is better than 62.07% of 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 fine compared to the rest of the industry. DLCG outperforms 62.07% of its industry peers.
| 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%.
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)-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 25.76% on average per year.
The Revenue is expected to grow by 13.06% on average over the next years. This is quite good.
EPS Next Y59.18%
EPS Next 2Y39.24%
EPS Next 3YN/A
EPS Next 5Y25.76%
Revenue Next Year24.53%
Revenue Next 2Y19.91%
Revenue Next 3Y15.57%
Revenue Next 5Y13.06%
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
A Price/Earnings ratio of 35.55 indicates a quite expensive valuation of DLCG.
Compared to the rest of the industry, the Price/Earnings ratio of DLCG indicates a somewhat cheap valuation: DLCG is cheaper than 65.52% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of DLCG to the average of the S&P500 Index (27.40), we can say DLCG is valued slightly more expensively.
The Price/Forward Earnings ratio is 21.28, which indicates a rather expensive current valuation of DLCG.
Based on the Price/Forward Earnings ratio, DLCG is valued a bit cheaper than the industry average as 68.97% of the companies are valued more expensively.
DLCG is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.55 | ||
| Fwd PE | 21.28 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, DLCG is valued cheaply inside the industry as 93.10% of the companies are valued more expensively.
DLCG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. DLCG is cheaper than 79.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.7 | ||
| EV/EBITDA | 18.29 |
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 39.24% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)N/A
EPS Next 2Y39.24%
EPS Next 3YN/A
5. Dividend
5.1 Amount
DLCG has a Yearly Dividend Yield of 1.53%.
With a Dividend Yield of 1.53, DLCG pays less dividend than the industry average, which is at 7.85. 82.76% of the companies listed in the same industry pay a better dividend than DLCG!
Compared to the average S&P500 Dividend Yield of 2.38, DLCG is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.53% |
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
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 2Y39.24%
EPS Next 3YN/A
TSX:DLCG (10/17/2025, 7:00:00 PM)
10.31
-0.09 (-0.87%)
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 Cap810.37M
Analysts82
Price Target11.41 (10.67%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.53% |
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)0.94%
PT rev (3m)6.55%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.14%
EPS NY rev (1m)0%
EPS NY rev (3m)1.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.9%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)2.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.55 | ||
| Fwd PE | 21.28 | ||
| P/S | 9.24 | ||
| P/FCF | 22.7 | ||
| P/OCF | 20.22 | ||
| P/B | 5.83 | ||
| P/tB | N/A | ||
| EV/EBITDA | 18.29 |
EPS(TTM)0.29
EY2.81%
EPS(NY)0.48
Fwd EY4.7%
FCF(TTM)0.45
FCFY4.41%
OCF(TTM)0.51
OCFY4.95%
SpS1.12
BVpS1.77
TBVpS-0.58
PEG (NY)0.6
PEG (5Y)N/A
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%
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-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 | 5.43 |
F-Score7
WACC7.4%
ROIC/WACC1.95
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 Y59.18%
EPS Next 2Y39.24%
EPS Next 3YN/A
EPS Next 5Y25.76%
Revenue 1Y (TTM)29.38%
Revenue growth 3Y-0.88%
Revenue growth 5Y11.35%
Sales Q2Q%30.98%
Revenue Next Year24.53%
Revenue Next 2Y19.91%
Revenue Next 3Y15.57%
Revenue Next 5Y13.06%
EBIT growth 1Y54.78%
EBIT growth 3Y-7.58%
EBIT growth 5Y19.44%
EBIT Next Year53.8%
EBIT Next 3Y30.62%
EBIT Next 5Y23.31%
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%