GUARDIAN CAP GRP LTD-CL A (GCG-A.CA) Stock Fundamental Analysis
TSX:GCG-A - CA4013393042 - Common Stock
42.41 CAD
+0.89 (+2.14%)
GCG-A gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 77 industry peers in the Capital Markets industry. GCG-A has only an average score on both its financial health and profitability. GCG-A has a decent growth rate and is not valued too expensively. Finally GCG-A also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year GCG-A was profitable.
In the past year GCG-A had a positive cash flow from operations.
GCG-A had positive earnings in 4 of the past 5 years.
GCG-A had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 7.91%, GCG-A is in the better half of the industry, outperforming 76.62% of the companies in the same industry.
The Return On Equity of GCG-A (11.35%) is better than 74.03% of its industry peers.
With a Return On Invested Capital value of 1.40%, GCG-A is not doing good in the industry: 70.13% 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 below the industry average of 8.22%.
| 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 72.73% of its industry peers.
In the last couple of years the Profit Margin of GCG-A has declined.
GCG-A has a worse Operating Margin (6.64%) than 70.13% of its industry peers.
In the last couple of years the Operating Margin of GCG-A has declined.
The Gross Margin of GCG-A (97.54%) is better than 97.40% of its industry peers.
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
GCG-A has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, GCG-A has less shares outstanding
GCG-A has a worse debt/assets ratio than last year.
2.2 Solvency
GCG-A has an Altman-Z score of 2.21. 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.
Looking at the Altman-Z score, with a value of 2.21, GCG-A is in the better half of the industry, outperforming 72.73% of the companies in the same industry.
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.
With a decent Debt to FCF ratio value of 3.88, GCG-A is doing good in the industry, outperforming 67.53% 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.
GCG-A has a better Debt to Equity ratio (0.13) than 66.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 3.88 | ||
| Altman-Z | 2.21 |
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.
The Current ratio of GCG-A (0.78) is comparable to the rest of the industry.
A Quick Ratio of 0.78 indicates that GCG-A may have some problems paying its short term obligations.
GCG-A has a Quick ratio (0.78) which 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%.
GCG-A shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.69% yearly.
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
GCG-A is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -26.09% yearly.
GCG-A is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.15% yearly.
EPS Next Y-85.69%
EPS Next 2Y-34.18%
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
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
GCG-A is valuated cheaply with a Price/Earnings ratio of 6.91.
GCG-A's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of GCG-A to the average of the S&P500 Index (27.08), we can say GCG-A is valued rather cheaply.
The Price/Forward Earnings ratio is 24.29, which indicates a rather expensive current valuation of GCG-A.
GCG-A's Price/Forward Earnings ratio is in line with the industry average.
GCG-A is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.67, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.91 | ||
| Fwd PE | 24.29 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GCG-A is on the same level as its industry peers.
Based on the Price/Free Cash Flow ratio, GCG-A 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 | 22.57 | ||
| EV/EBITDA | 18.93 |
4.3 Compensation for Growth
A cheap valuation may be justified as GCG-A's earnings are expected to decrease with -26.09% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-34.18%
EPS Next 3Y-26.09%
5. Dividend
5.1 Amount
GCG-A has a Yearly Dividend Yield of 3.75%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.99, GCG-A pays a better dividend. On top of this GCG-A pays more dividend than 80.52% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, GCG-A pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.75% |
5.2 History
On average, the dividend of GCG-A grows each year by 20.86%, which is quite nice.
GCG-A has been paying a dividend for at least 10 years, so it has a reliable track record.
GCG-A has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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-34.18%
EPS Next 3Y-26.09%
TSX:GCG-A (8/26/2025, 7:00:00 PM)
42.41
+0.89 (+2.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners8.81%
Inst Owner ChangeN/A
Ins Owners4.62%
Ins Owner ChangeN/A
Market Cap1.04B
Analysts84
Price Target54.06 (27.47%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.75% |
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)1.92%
PT rev (3m)0.95%
EPS NQ rev (1m)-7.58%
EPS NQ rev (3m)-39%
EPS NY rev (1m)-66.47%
EPS NY rev (3m)-66.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-4.27%
Revenue NY rev (3m)-4.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.91 | ||
| Fwd PE | 24.29 | ||
| P/S | 2.73 | ||
| P/FCF | 22.57 | ||
| P/OCF | 19.63 | ||
| P/B | 0.79 | ||
| P/tB | 0.95 | ||
| EV/EBITDA | 18.93 |
EPS(TTM)6.14
EY14.48%
EPS(NY)1.75
Fwd EY4.12%
FCF(TTM)1.88
FCFY4.43%
OCF(TTM)2.16
OCFY5.09%
SpS15.55
BVpS53.88
TBVpS44.41
PEG (NY)N/A
PEG (5Y)N/A
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%
ROICexcg growth 3Y-27.14%
ROICexcg 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 | 2.21 |
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-85.69%
EPS Next 2Y-34.18%
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-1.86%
EBIT Next 3Y17.37%
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%