GUARDIAN CAPITAL GRP LTD (GCG.CA) Stock Fundamental Analysis
TSX:GCG • CA4013392051
67.22 CAD
-0.24 (-0.36%)
Last: Feb 26, 2026, 07:00 PM
GCG gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 79 industry peers in the Capital Markets industry. GCG has an average financial health and profitability rating. GCG is quite expensive at the moment. It does show a decent growth rate. GCG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year GCG was profitable.
- In the past year GCG had a positive cash flow from operations.
- GCG had positive earnings in 4 of the past 5 years.
- Each year in the past 5 years GCG had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of GCG (8.53%) is better than 73.42% of its industry peers.
- GCG has a Return On Equity of 13.12%. This is in the better half of the industry: GCG outperforms 73.42% of its industry peers.
- With a Return On Invested Capital value of 1.16%, GCG is not doing good in the industry: 67.09% of the companies in the same industry are doing better.
- GCG had an Average Return On Invested Capital over the past 3 years of 3.28%. This is significantly below the industry average of 10.51%.
| 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
- GCG's Profit Margin of 48.39% is fine compared to the rest of the industry. GCG outperforms 78.48% of its industry peers.
- GCG's Profit Margin has declined in the last couple of years.
- GCG's Operating Margin of 5.74% is on the low side compared to the rest of the industry. GCG is outperformed by 70.89% of its industry peers.
- GCG's Operating Margin has declined in the last couple of years.
- GCG has a better Gross Margin (97.89%) than 97.47% of its industry peers.
- In the last couple of years the Gross Margin of GCG 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. Health
2.1 Basic Checks
- The number of shares outstanding for GCG has been reduced compared to 1 year ago.
- Compared to 5 years ago, GCG has less shares outstanding
- Compared to 1 year ago, GCG has a worse debt to assets ratio.
2.2 Solvency
- GCG has an Altman-Z score of 2.35. 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.
- Looking at the Altman-Z score, with a value of 2.35, GCG is in the better half of the industry, outperforming 69.62% of the companies in the same industry.
- GCG has a debt to FCF ratio of 2.36. This is a good value and a sign of high solvency as GCG would need 2.36 years to pay back of all of its debts.
- GCG's Debt to FCF ratio of 2.36 is fine compared to the rest of the industry. GCG outperforms 77.22% of its industry peers.
- A Debt/Equity ratio of 0.12 indicates that GCG is not too dependend on debt financing.
- The Debt to Equity ratio of GCG (0.12) is better than 65.82% 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
- A Current Ratio of 0.79 indicates that GCG may have some problems paying its short term obligations.
- GCG's Current ratio of 0.79 is in line compared to the rest of the industry. GCG outperforms 55.70% of its industry peers.
- A Quick Ratio of 0.79 indicates that GCG may have some problems paying its short term obligations.
- GCG has a Quick ratio of 0.79. This is comparable to the rest of the industry: GCG outperforms 55.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.79 | ||
| Quick Ratio | 0.79 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 80.39% over the past year.
- 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.
- GCG shows a strong growth in Revenue. In the last year, the Revenue has grown by 30.91%.
- GCG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.69% yearly.
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
- 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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- GCG is valuated reasonably with a Price/Earnings ratio of 9.02.
- GCG's Price/Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 27.21, GCG is valued rather cheaply.
- GCG is valuated quite expensively with a Price/Forward Earnings ratio of 41.57.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of GCG is on the same level as its industry peers.
- The average S&P500 Price/Forward Earnings ratio is at 28.13. GCG is valued slightly more expensive when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.02 | ||
| Fwd PE | 41.57 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GCG is on the same level as its industry peers.
- Based on the Price/Free Cash Flow ratio, GCG is valued a bit cheaper than 75.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.25 | ||
| EV/EBITDA | 33.48 |
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 2.32%.
- Compared to an average industry Dividend Yield of 2.59, GCG pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.80, GCG pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.32% |
5.2 History
- On average, the dividend of GCG grows each year by 20.86%, which is quite nice.
- GCG has been paying a dividend for at least 10 years, so it has a reliable track record.
- GCG 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 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%
TSX:GCG (2/26/2026, 7:00:00 PM)
67.22
-0.24 (-0.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-13 2025-11-13/amc
Earnings (Next)02-25 2026-02-25
Inst Owners31.64%
Inst Owner ChangeN/A
Ins Owners3.84%
Ins Owner ChangeN/A
Market Cap1.65B
Revenue(TTM)375.77M
Net Income(TTM)181.82M
Analysts84
Price Target54.06 (-19.58%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.32% |
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)0.07%
PT rev (3m)0.04%
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 | 9.02 | ||
| Fwd PE | 41.57 | ||
| P/S | 4.39 | ||
| P/FCF | 22.25 | ||
| P/OCF | 20.18 | ||
| P/B | 1.19 | ||
| P/tB | 1.43 | ||
| EV/EBITDA | 33.48 |
EPS(TTM)7.45
EY11.08%
EPS(NY)1.62
Fwd EY2.41%
FCF(TTM)3.02
FCFY4.49%
OCF(TTM)3.33
OCFY4.96%
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 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 for GCG 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 are the PE and PB ratios of GUARDIAN CAPITAL GRP LTD (GCG.CA) stock?
The Price/Earnings (PE) ratio for GUARDIAN CAPITAL GRP LTD (GCG.CA) is 9.02 and the Price/Book (PB) ratio is 1.19.
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.