GUARDIAN CAP GRP LTD-CL A (GCG-A.CA) Fundamental Analysis & Valuation
TSX:GCG-A • CA4013393042
Current stock price
67.63 CAD
+0.02 (+0.03%)
Last:
This GCG-A.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. GCG-A.CA Profitability Analysis
1.1 Basic Checks
- GCG-A had positive earnings in the past year.
- GCG-A had a positive operating cash flow in the past year.
- 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
- GCG-A has a better Return On Assets (8.53%) than 69.23% of its industry peers.
- GCG-A has a Return On Equity of 13.12%. This is in the better half of the industry: GCG-A outperforms 67.95% of its industry peers.
- The Return On Invested Capital of GCG-A (1.16%) is worse than 73.08% of its industry peers.
- GCG-A had an Average Return On Invested Capital over the past 3 years of 3.28%. This is significantly below the industry average of 10.97%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.53% | ||
| ROE | 13.12% | ||
| ROIC | 1.16% |
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
- The Profit Margin of GCG-A (48.39%) is better than 73.08% of its industry peers.
- In the last couple of years the Profit Margin of GCG-A has declined.
- The Operating Margin of GCG-A (5.74%) is worse than 76.92% of its industry peers.
- GCG-A's Operating Margin has declined in the last couple of years.
- GCG-A's Gross Margin of 97.89% is amongst the best of the industry. GCG-A outperforms 96.15% of its industry peers.
- In the last couple of years the Gross Margin of GCG-A has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.74% | ||
| PM (TTM) | 48.39% | ||
| GM | 97.89% |
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. GCG-A.CA Health Analysis
2.1 Basic Checks
- GCG-A has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for GCG-A has been reduced compared to 5 years ago.
- Compared to 1 year ago, GCG-A has a worse debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 2.35 indicates that GCG-A is not a great score, but indicates only limited risk for bankruptcy at the moment.
- GCG-A's Altman-Z score of 2.35 is fine compared to the rest of the industry. GCG-A outperforms 67.95% of its industry peers.
- The Debt to FCF ratio of GCG-A is 2.36, which is a good value as it means it would take GCG-A, 2.36 years of fcf income to pay off all of its debts.
- GCG-A has a Debt to FCF ratio of 2.36. This is in the better half of the industry: GCG-A outperforms 74.36% of its industry peers.
- GCG-A has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
- GCG-A has a Debt to Equity ratio of 0.12. This is in the better half of the industry: GCG-A outperforms 61.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 2.36 | ||
| Altman-Z | 2.35 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- GCG-A has a Current Ratio of 0.79. 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.
- GCG-A has a Current ratio (0.79) which is comparable to the rest of the industry.
- A Quick Ratio of 0.79 indicates that GCG-A may have some problems paying its short term obligations.
- GCG-A has a Quick ratio (0.79) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.79 | ||
| Quick Ratio | 0.79 |
3. GCG-A.CA Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an impressive 80.39% over the past year.
- Measured over the past years, GCG-A shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.14% on average per year.
- The Revenue has grown by 30.91% in the past year. This is a very strong growth!
- The Revenue has been growing by 11.69% on average over the past years. This is quite good.
EPS 1Y (TTM)80.39%
EPS 3Y-16.29%
EPS 5Y-2.14%
EPS Q2Q%82.91%
Revenue 1Y (TTM)30.91%
Revenue growth 3Y18.57%
Revenue growth 5Y11.69%
Sales Q2Q%78.48%
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.
- Based on estimates for the next years, GCG-A will show a quite strong growth in Revenue. The Revenue will grow by 8.15% on average per year.
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. GCG-A.CA Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 9.08 indicates a reasonable valuation of GCG-A.
- 60.26% of the companies in the same industry are cheaper than GCG-A, based on the Price/Earnings ratio.
- GCG-A's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.11.
- The Price/Forward Earnings ratio is 41.82, which means the current valuation is very expensive for GCG-A.
- GCG-A's Price/Forward Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.12, GCG-A is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.08 | ||
| Fwd PE | 41.82 |
4.2 Price Multiples
- GCG-A's Enterprise Value to EBITDA is on the same level as the industry average.
- Based on the Price/Free Cash Flow ratio, GCG-A is valued a bit cheaper than the industry average as 69.23% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.39 | ||
| EV/EBITDA | 33.58 |
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. GCG-A.CA Dividend Analysis
5.1 Amount
- GCG-A has a Yearly Dividend Yield of 2.30%. Purely for dividend investing, there may be better candidates out there.
- GCG-A's Dividend Yield is comparable with the industry average which is at 3.20.
- Compared to an average S&P500 Dividend Yield of 1.91, GCG-A pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
5.2 History
- On average, the dividend of GCG-A grows each year by 20.86%, which is quite nice.
- GCG-A has paid a dividend for at least 10 years, which is 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 20.46% of its income as dividend. This is a sustainable payout ratio.
DP20.46%
EPS Next 2Y-36.65%
EPS Next 3Y-26.09%
GCG-A.CA Fundamentals: All Metrics, Ratios and Statistics
TSX:GCG-A (3/17/2026, 7:00:00 PM)
67.63
+0.02 (+0.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-13 2025-11-13/amc
Earnings (Next)03-27 2026-03-27
Inst Owners30.84%
Inst Owner ChangeN/A
Ins Owners4.97%
Ins Owner ChangeN/A
Market Cap1.66B
Revenue(TTM)375.77M
Net Income(TTM)181.82M
Analysts84
Price Target54.06 (-20.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
Yearly Dividend1.43
Dividend Growth(5Y)20.86%
DP20.46%
Div Incr Years10
Div Non Decr Years10
Ex-Date01-09 2026-01-09 (0.39)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)527.99%
Min EPS beat(2)523.52%
Max EPS beat(2)532.46%
EPS beat(4)3
Avg EPS beat(4)261.8%
Min EPS beat(4)-168.8%
Max EPS beat(4)532.46%
EPS beat(8)6
Avg EPS beat(8)150.05%
EPS beat(12)8
Avg EPS beat(12)112.53%
EPS beat(16)9
Avg EPS beat(16)45.15%
Revenue beat(2)1
Avg Revenue beat(2)38.02%
Min Revenue beat(2)-10.81%
Max Revenue beat(2)86.85%
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)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.08 | ||
| Fwd PE | 41.82 | ||
| P/S | 4.42 | ||
| P/FCF | 22.39 | ||
| P/OCF | 20.3 | ||
| P/B | 1.2 | ||
| P/tB | 1.44 | ||
| EV/EBITDA | 33.58 |
EPS(TTM)7.45
EY11.02%
EPS(NY)1.62
Fwd EY2.39%
FCF(TTM)3.02
FCFY4.47%
OCF(TTM)3.33
OCFY4.93%
SpS15.3
BVpS56.45
TBVpS46.91
PEG (NY)N/A
PEG (5Y)N/A
Graham Number97.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.53% | ||
| ROE | 13.12% | ||
| ROCE | 1.46% | ||
| ROIC | 1.16% | ||
| ROICexc | 1.34% | ||
| ROICexgc | 1.61% | ||
| OM | 5.74% | ||
| PM (TTM) | 48.39% | ||
| GM | 97.89% | ||
| FCFM | 19.75% |
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-Score7
Asset Turnover0.18
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 2.36 | ||
| Debt/EBITDA | 3.92 | ||
| Cap/Depr | 34.36% | ||
| Cap/Sales | 2.03% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 186.92% | ||
| Profit Quality | 40.81% | ||
| Current Ratio | 0.79 | ||
| Quick Ratio | 0.79 | ||
| Altman-Z | 2.35 |
F-Score7
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)80.39%
EPS 3Y-16.29%
EPS 5Y-2.14%
EPS Q2Q%82.91%
EPS Next Y-29.71%
EPS Next 2Y-36.65%
EPS Next 3Y-26.09%
EPS Next 5YN/A
Revenue 1Y (TTM)30.91%
Revenue growth 3Y18.57%
Revenue growth 5Y11.69%
Sales Q2Q%78.48%
Revenue Next Year15.51%
Revenue Next 2Y9.77%
Revenue Next 3Y8.15%
Revenue Next 5YN/A
EBIT growth 1Y-50.21%
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-7.76%
FCF growth 3Y0.86%
FCF growth 5Y20.48%
OCF growth 1Y-0.74%
OCF growth 3Y-3.21%
OCF growth 5Y13.68%
GUARDIAN CAP GRP LTD-CL A / GCG-A.CA Fundamental Analysis 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 for GCG-A stock?
ChartMill assigns a valuation rating of 3 / 10 to GUARDIAN CAP GRP LTD-CL A (GCG-A.CA). This can be considered as Overvalued.
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.
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.
How sustainable is the dividend of GUARDIAN CAP GRP LTD-CL A (GCG-A.CA) stock?
The dividend rating of GUARDIAN CAP GRP LTD-CL A (GCG-A.CA) is 6 / 10 and the dividend payout ratio is 20.46%.