GUARDIAN CAPITAL GRP LTD (GCG.CA) Stock Fundamental Analysis
Canada - TSX:GCG - CA4013392051 - Common Stock
66.93 CAD
0 (0%)
Overall GCG gets a fundamental rating of 5 out of 10. We evaluated GCG against 85 industry peers in the Capital Markets industry. Both the profitability and the financial health of GCG get a neutral evaluation. Nothing too spectacular is happening here. GCG is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year GCG was profitable.
GCG had a positive operating cash flow in the past year.
Of the past 5 years GCG 4 years were profitable.
GCG 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 is in the better half of the industry, outperforming 75.29% of the companies in the same industry.
The Return On Equity of GCG (11.35%) is better than 72.94% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.40%, GCG is doing worse than 64.71% of the companies in the same industry.
GCG had an Average Return On Invested Capital over the past 3 years of 3.28%. This is significantly below the industry average of 10.08%.
| 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
Looking at the Profit Margin, with a value of 39.34%, GCG is in the better half of the industry, outperforming 76.47% of the companies in the same industry.
In the last couple of years the Profit Margin of GCG has declined.
GCG's Operating Margin of 6.64% is on the low side compared to the rest of the industry. GCG is outperformed by 67.06% of its industry peers.
In the last couple of years the Operating Margin of GCG has declined.
Looking at the Gross Margin, with a value of 97.54%, GCG belongs to the top of the industry, outperforming 97.65% of the companies in the same industry.
GCG'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 has less shares outstanding
GCG has less shares outstanding than it did 5 years ago.
GCG has a worse debt/assets ratio than last year.
2.2 Solvency
GCG has an Altman-Z score of 2.84. This is not the best score and indicates that GCG is in the grey zone with still only limited risk for bankruptcy at the moment.
The Altman-Z score of GCG (2.84) is better than 71.76% of its industry peers.
The Debt to FCF ratio of GCG is 3.88, which is a good value as it means it would take GCG, 3.88 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 3.88, GCG is doing good in the industry, outperforming 70.59% of the companies in the same industry.
A Debt/Equity ratio of 0.13 indicates that GCG is not too dependend on debt financing.
The Debt to Equity ratio of GCG (0.13) is better than 67.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 3.88 | ||
| Altman-Z | 2.84 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
GCG has a Current Ratio of 0.78. This is a bad value and indicates that GCG is not financially healthy enough and could expect problems in meeting its short term obligations.
GCG has a Current ratio of 0.78. This is comparable to the rest of the industry: GCG outperforms 51.76% of its industry peers.
GCG has a Quick Ratio of 0.78. This is a bad value and indicates that GCG is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.78, GCG is in line with its industry, outperforming 51.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.78 | ||
| Quick Ratio | 0.78 |
3. Growth
3.1 Past
GCG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 151.64%, which is quite impressive.
Measured over the past years, GCG shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.14% on average per year.
Looking at the last year, GCG shows a very strong growth in Revenue. The Revenue has grown by 51.85%.
Measured over the past years, GCG 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
Based on estimates for the next years, GCG will show a very negative growth in Earnings Per Share. The EPS will decrease by -26.09% on average per year.
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
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 is valuated reasonably with a Price/Earnings ratio of 10.90.
The rest of the industry has a similar Price/Earnings ratio as GCG.
GCG is valuated cheaply when we compare the Price/Earnings ratio to 26.28, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 41.39 indicates a quite expensive valuation of GCG.
GCG's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 33.61. GCG is valued slightly more expensive when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.9 | ||
| Fwd PE | 41.39 |
4.2 Price Multiples
GCG'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 indicates a somewhat cheap valuation: GCG is cheaper than 68.24% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 35.62 | ||
| EV/EBITDA | 31.56 |
4.3 Compensation for Growth
GCG'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
GCG has a Yearly Dividend Yield of 2.33%. Purely for dividend investing, there may be better candidates out there.
GCG's Dividend Yield is a higher than the industry average which is at 3.04.
Compared to an average S&P500 Dividend Yield of 2.36, GCG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
5.2 History
The dividend of GCG is nicely growing with an annual growth rate of 20.86%!
GCG has paid a dividend for at least 10 years, which is a reliable track record.
GCG 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 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 (11/7/2025, 7:00:00 PM)
66.93
0 (0%)
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 Cap1.64B
Revenue(TTM)381.94M
Net Income(TTM)150.26M
Analysts84
Price Target54.04 (-19.26%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
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)-0.56%
PT rev (3m)-0.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)36.36%
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 | 10.9 | ||
| Fwd PE | 41.39 | ||
| P/S | 4.3 | ||
| P/FCF | 35.62 | ||
| P/OCF | 30.98 | ||
| P/B | 1.24 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | 31.56 |
EPS(TTM)6.14
EY9.17%
EPS(NY)1.62
Fwd EY2.42%
FCF(TTM)1.88
FCFY2.81%
OCF(TTM)2.16
OCFY3.23%
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 CAPITAL GRP LTD / GCG.CA FAQ
What is the fundamental rating for GCG stock?
ChartMill assigns a fundamental rating of 5 / 10 to GCG.CA.
What is the valuation status of GUARDIAN CAPITAL GRP LTD (GCG.CA) stock?
ChartMill assigns a valuation rating of 3 / 10 to GUARDIAN CAPITAL GRP LTD (GCG.CA). This can be considered as Overvalued.
What is the profitability of GCG stock?
GUARDIAN CAPITAL GRP LTD (GCG.CA) has a profitability rating of 4 / 10.
What is the financial health of GUARDIAN CAPITAL GRP LTD (GCG.CA) stock?
The financial health rating of GUARDIAN CAPITAL GRP LTD (GCG.CA) is 5 / 10.
Can you provide the expected EPS growth for GCG stock?
The Earnings per Share (EPS) of GUARDIAN CAPITAL GRP LTD (GCG.CA) is expected to decline by -29.71% in the next year.