GUARDIAN CAP GRP LTD-CL A (GCG-A.CA) Stock Fundamental Analysis
Canada - TSX:GCG-A - CA4013393042 - Common Stock
67 CAD
-0.1 (-0.15%)
GCG-A gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 78 industry peers in the Capital Markets industry. GCG-A has an average financial health and profitability rating. GCG-A has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
GCG-A had positive earnings in the past year.
In the past year GCG-A had a positive cash flow from operations.
Of the past 5 years GCG-A 4 years were profitable.
In the past 5 years GCG-A always reported a positive cash flow from operatings.
1.2 Ratios
GCG-A has a better Return On Assets (7.91%) than 74.12% of its industry peers.
GCG-A has a Return On Equity of 11.35%. This is in the better half of the industry: GCG-A outperforms 71.76% of its industry peers.
With a Return On Invested Capital value of 1.40%, GCG-A is not doing good in the industry: 67.06% of the companies in the same industry are doing better.
The Average Return On Invested Capital over the past 3 years for GCG-A is significantly below the industry average of 10.39%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.91% | ||
| ROE | 11.35% | ||
| ROIC | 1.4% |
ROA(3y)11.48%
ROA(5y)10.2%
ROE(3y)15.78%
ROE(5y)15.08%
ROIC(3y)3.28%
ROIC(5y)4.19%
1.3 Margins
GCG-A has a Profit Margin of 39.34%. This is in the better half of the industry: GCG-A outperforms 75.29% of its industry peers.
In the last couple of years the Profit Margin of GCG-A has declined.
Looking at the Operating Margin, with a value of 6.64%, GCG-A is doing worse than 68.24% of the companies in the same industry.
GCG-A's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 97.54%, GCG-A belongs to the top of the industry, outperforming 96.47% of the companies in the same industry.
GCG-A's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.64% | ||
| PM (TTM) | 39.34% | ||
| GM | 97.54% |
OM growth 3Y-23.96%
OM growth 5Y-13.96%
PM growth 3Y-31.18%
PM growth 5Y-14.09%
GM growth 3Y-0.76%
GM growth 5Y-0.17%
2. Health
2.1 Basic Checks
Compared to 1 year ago, GCG-A has less shares outstanding
Compared to 5 years ago, GCG-A has less shares outstanding
The debt/assets ratio for GCG-A is higher compared to a year ago.
2.2 Solvency
GCG-A has an Altman-Z score of 2.84. This is not the best score and indicates that GCG-A is in the grey zone with still only limited risk for bankruptcy at the moment.
GCG-A's Altman-Z score of 2.84 is fine compared to the rest of the industry. GCG-A outperforms 71.76% of its industry peers.
GCG-A has a debt to FCF ratio of 3.88. This is a good value and a sign of high solvency as GCG-A would need 3.88 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.88, GCG-A is in the better half of the industry, outperforming 67.06% of the companies in the same industry.
GCG-A has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.13, GCG-A is doing good in the industry, outperforming 64.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 3.88 | ||
| Altman-Z | 2.84 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.78 indicates that GCG-A may have some problems paying its short term obligations.
With a Current ratio value of 0.78, GCG-A perfoms like the industry average, outperforming 49.41% of the companies in the same industry.
GCG-A has a Quick Ratio of 0.78. This is a bad value and indicates that GCG-A is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of GCG-A (0.78) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.78 | ||
| Quick Ratio | 0.78 |
3. Growth
3.1 Past
GCG-A shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 151.64%, which is quite impressive.
The Earnings Per Share has been decreasing by -2.14% on average over the past years.
GCG-A shows a strong growth in Revenue. In the last year, the Revenue has grown by 51.85%.
Measured over the past years, GCG-A shows a quite strong growth in Revenue. The Revenue has been growing by 11.69% on average per year.
EPS 1Y (TTM)151.64%
EPS 3Y-16.29%
EPS 5Y-2.14%
EPS Q2Q%330.3%
Revenue 1Y (TTM)51.85%
Revenue growth 3Y18.57%
Revenue growth 5Y11.69%
Sales Q2Q%40.32%
3.2 Future
The Earnings Per Share is expected to decrease by -26.09% on average over the next years. This is quite bad
The Revenue is expected to grow by 8.15% on average over the next years. This is quite good.
EPS Next Y-29.71%
EPS Next 2Y-36.65%
EPS Next 3Y-26.09%
EPS Next 5YN/A
Revenue Next Year15.51%
Revenue Next 2Y9.77%
Revenue Next 3Y8.15%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.91, the valuation of GCG-A can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as GCG-A.
When comparing the Price/Earnings ratio of GCG-A to the average of the S&P500 Index (25.89), we can say GCG-A is valued rather cheaply.
A Price/Forward Earnings ratio of 41.43 indicates a quite expensive valuation of GCG-A.
GCG-A's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 34.59. GCG-A is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.91 | ||
| Fwd PE | 41.43 |
4.2 Price Multiples
GCG-A's Enterprise Value to EBITDA ratio is in line with the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GCG-A indicates a somewhat cheap valuation: GCG-A is cheaper than 67.06% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 35.66 | ||
| EV/EBITDA | 31.59 |
4.3 Compensation for Growth
GCG-A's earnings are expected to decrease with -26.09% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-36.65%
EPS Next 3Y-26.09%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.32%, GCG-A has a reasonable but not impressive dividend return.
GCG-A's Dividend Yield is comparable with the industry average which is at 5.09.
GCG-A's Dividend Yield is comparable with the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.32% |
5.2 History
The dividend of GCG-A is nicely growing with an annual growth rate of 20.86%!
GCG-A has paid a dividend for at least 10 years, which is a reliable track record.
GCG-A has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)20.86%
Div Incr Years10
Div Non Decr Years10
5.3 Sustainability
GCG-A pays out 24.42% of its income as dividend. This is a sustainable payout ratio.
DP24.42%
EPS Next 2Y-36.65%
EPS Next 3Y-26.09%
TSX:GCG-A (11/14/2025, 7:00:00 PM)
67
-0.1 (-0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners8.9%
Inst Owner ChangeN/A
Ins Owners4.43%
Ins Owner ChangeN/A
Market Cap1.65B
Revenue(TTM)381.94M
Net Income(TTM)150.26M
Analysts84
Price Target54.06 (-19.31%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.32% |
Yearly Dividend1.43
Dividend Growth(5Y)20.86%
DP24.42%
Div Incr Years10
Div Non Decr Years10
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)181.83%
Min EPS beat(2)-168.8%
Max EPS beat(2)532.46%
EPS beat(4)3
Avg EPS beat(4)178.28%
Min EPS beat(4)-168.8%
Max EPS beat(4)532.46%
EPS beat(8)5
Avg EPS beat(8)69.33%
EPS beat(12)7
Avg EPS beat(12)56.91%
EPS beat(16)8
Avg EPS beat(16)9.39%
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)47.54%
EPS NY rev (1m)0%
EPS NY rev (3m)64.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6.86%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.91 | ||
| Fwd PE | 41.43 | ||
| P/S | 4.31 | ||
| P/FCF | 35.66 | ||
| P/OCF | 31.01 | ||
| P/B | 1.24 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | 31.59 |
EPS(TTM)6.14
EY9.16%
EPS(NY)1.62
Fwd EY2.41%
FCF(TTM)1.88
FCFY2.8%
OCF(TTM)2.16
OCFY3.22%
SpS15.55
BVpS53.88
TBVpS44.41
PEG (NY)N/A
PEG (5Y)N/A
Graham Number86.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.91% | ||
| ROE | 11.35% | ||
| ROCE | 1.77% | ||
| ROIC | 1.4% | ||
| ROICexc | 1.57% | ||
| ROICexgc | 1.88% | ||
| OM | 6.64% | ||
| PM (TTM) | 39.34% | ||
| GM | 97.54% | ||
| FCFM | 12.08% |
ROA(3y)11.48%
ROA(5y)10.2%
ROE(3y)15.78%
ROE(5y)15.08%
ROIC(3y)3.28%
ROIC(5y)4.19%
ROICexc(3y)3.72%
ROICexc(5y)4.77%
ROICexgc(3y)4.35%
ROICexgc(5y)6.23%
ROCE(3y)4.23%
ROCE(5y)5.09%
ROICexgc growth 3Y-27.14%
ROICexgc growth 5Y-18.91%
ROICexc growth 3Y-23.78%
ROICexc growth 5Y-17.2%
OM growth 3Y-23.96%
OM growth 5Y-13.96%
PM growth 3Y-31.18%
PM growth 5Y-14.09%
GM growth 3Y-0.76%
GM growth 5Y-0.17%
F-Score6
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 3.88 | ||
| Debt/EBITDA | 3.68 | ||
| Cap/Depr | 30.91% | ||
| Cap/Sales | 1.81% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 111.24% | ||
| Profit Quality | 30.71% | ||
| Current Ratio | 0.78 | ||
| Quick Ratio | 0.78 | ||
| Altman-Z | 2.84 |
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)34.24%
Cap/Depr(5y)45.49%
Cap/Sales(3y)3.43%
Cap/Sales(5y)4.54%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)151.64%
EPS 3Y-16.29%
EPS 5Y-2.14%
EPS Q2Q%330.3%
EPS Next Y-29.71%
EPS Next 2Y-36.65%
EPS Next 3Y-26.09%
EPS Next 5YN/A
Revenue 1Y (TTM)51.85%
Revenue growth 3Y18.57%
Revenue growth 5Y11.69%
Sales Q2Q%40.32%
Revenue Next Year15.51%
Revenue Next 2Y9.77%
Revenue Next 3Y8.15%
Revenue Next 5YN/A
EBIT growth 1Y-56.46%
EBIT growth 3Y-9.83%
EBIT growth 5Y-3.91%
EBIT Next Year-9.49%
EBIT Next 3Y13.4%
EBIT Next 5YN/A
FCF growth 1Y-39.61%
FCF growth 3Y0.86%
FCF growth 5Y20.48%
OCF growth 1Y-33.11%
OCF growth 3Y-3.21%
OCF growth 5Y13.68%
GUARDIAN CAP GRP LTD-CL A / GCG-A.CA FAQ
Can you provide the ChartMill fundamental rating for GUARDIAN CAP GRP LTD-CL A?
ChartMill assigns a fundamental rating of 5 / 10 to GCG-A.CA.
What is the valuation status of GUARDIAN CAP GRP LTD-CL A (GCG-A.CA) stock?
ChartMill assigns a valuation rating of 4 / 10 to GUARDIAN CAP GRP LTD-CL A (GCG-A.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for GUARDIAN CAP GRP LTD-CL A?
GUARDIAN CAP GRP LTD-CL A (GCG-A.CA) has a profitability rating of 4 / 10.
What is the financial health of GUARDIAN CAP GRP LTD-CL A (GCG-A.CA) stock?
The financial health rating of GUARDIAN CAP GRP LTD-CL A (GCG-A.CA) is 5 / 10.
Can you provide the expected EPS growth for GCG-A stock?
The Earnings per Share (EPS) of GUARDIAN CAP GRP LTD-CL A (GCG-A.CA) is expected to decline by -29.71% in the next year.