Dominion Lending Centres Inc. Logo

Dominion Lending Centres Inc.

DLCG.TO

(1.5)
Stock Price

4,83 CAD

40.52% ROA

36.06% ROE

22.8x PER

Market Cap.

226.768.624,00 CAD

512.75% DER

2.54% Yield

14.58% NPM

Dominion Lending Centres Inc. Stock Analysis

Dominion Lending Centres Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Dominion Lending Centres Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (80.91%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 ROA

The stock's ability to make a lot of money from its assets shows that it is very profitable, making it a good choice for people who want to invest and make a lot of money.

3 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

4 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (6), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

5 PBV

The stock's high Price-to-Book Value (P/BV) ratio (4.87x) suggests it's overvalued, potentially making it an expensive investment.

6 DER

The company has a high debt to equity ratio (178%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

7 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

8 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

9 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

Dominion Lending Centres Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Dominion Lending Centres Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Dominion Lending Centres Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Dominion Lending Centres Inc. Revenue
Year Revenue Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 46.620.667 100%
2008 43.498.681 -7.18%
2009 28.282 -153703.41%
2010 43.455 34.92%
2011 61.875 29.77%
2012 85.752 27.84%
2013 32.063 -167.45%
2014 99.173 67.67%
2015 187.884 47.22%
2016 18.350.400 98.98%
2017 82.905.000 77.87%
2018 133.541.000 37.92%
2019 90.322.000 -47.85%
2020 52.413.000 -72.33%
2021 78.816.000 33.5%
2022 70.720.000 -11.45%
2023 78.312.000 9.69%
2023 62.517.000 -25.27%
2024 77.876.000 19.72%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Dominion Lending Centres Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Dominion Lending Centres Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 1.571.214 100%
2010 917.908 -71.17%
2011 1.027.245 10.64%
2012 2.070.372 50.38%
2013 1.861.835 -11.2%
2014 2.372.915 21.54%
2015 3.129.327 24.17%
2016 9.949.600 68.55%
2017 44.537.000 77.66%
2018 57.593.000 22.67%
2019 37.195.000 -54.84%
2020 21.095.000 -76.32%
2021 26.022.000 18.93%
2022 27.124.000 4.06%
2023 30.120.000 9.95%
2023 27.044.000 -11.37%
2024 31.244.000 13.44%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Dominion Lending Centres Inc. EBITDA
Year EBITDA Growth
2002 -59.981
2003 -70.502 14.92%
2004 -96.010 26.57%
2005 988.776 109.71%
2006 4.349.686 77.27%
2007 16.286.022 73.29%
2008 9.420.636 -72.88%
2009 -1.519.613 719.94%
2010 -1.118.251 -35.89%
2011 -1.459.840 23.4%
2012 -1.943.054 24.87%
2013 -2.252.094 13.72%
2014 14.856.826 115.16%
2015 -20.324.019 173.1%
2016 78.400 26023.49%
2017 13.657.000 99.43%
2018 27.276.000 49.93%
2019 37.088.000 26.46%
2020 34.273.000 -8.21%
2021 43.188.000 20.64%
2022 35.094.000 -23.06%
2023 44.728.000 21.54%
2023 22.098.000 -102.41%
2024 35.996.000 38.61%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Dominion Lending Centres Inc. Gross Profit
Year Gross Profit Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 22.309.133 100%
2008 15.636.315 -42.68%
2009 28.282 -55187.16%
2010 43.455 34.92%
2011 61.875 29.77%
2012 85.752 27.84%
2013 -486.938 117.61%
2014 -497.863 2.19%
2015 118.213 521.16%
2016 12.543.200 99.06%
2017 65.610.000 80.88%
2018 91.722.000 28.47%
2019 73.946.000 -24.04%
2020 45.798.000 -61.46%
2021 68.971.000 33.6%
2022 60.016.000 -14.92%
2023 69.392.000 13.51%
2023 48.301.000 -43.67%
2024 63.488.000 23.92%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Dominion Lending Centres Inc. Net Profit
Year Net Profit Growth
2002 -57.599
2003 -68.846 16.34%
2004 -94.188 26.91%
2005 -673.477 86.01%
2006 -5.930.111 88.64%
2007 -8.965.160 33.85%
2008 2.789.589 421.38%
2009 2.934.649 4.94%
2010 -642.020 557.1%
2011 -7.138.029 91.01%
2012 -3.020.519 -136.32%
2013 -2.874.098 -5.09%
2014 -19.584.193 85.32%
2015 35.709.351 154.84%
2016 -7.628.800 568.09%
2017 -6.212.000 -22.81%
2018 -20.377.000 69.51%
2019 2.468.000 925.65%
2020 20.037.000 87.68%
2021 -3.943.000 608.17%
2022 12.061.000 132.69%
2023 21.084.000 42.8%
2023 43.000 -48932.56%
2024 16.340.000 99.74%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Dominion Lending Centres Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 0 0%
2004 0 0%
2005 -2 100%
2006 -10 80%
2007 -5 -150%
2008 1 500%
2009 1 0%
2010 0 0%
2011 -1 100%
2012 0 0%
2013 0 0%
2014 -2 100%
2015 4 133.33%
2016 22.704.761 100%
2017 0 0%
2018 -1 0%
2019 0 0%
2020 1 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Dominion Lending Centres Inc. Free Cashflow
Year Free Cashflow Growth
2002 -86.708
2003 -53.470 -62.16%
2004 -62.772 14.82%
2005 -144.357 56.52%
2006 2.193.557 106.58%
2007 -10.329.808 121.24%
2008 1.884.498 648.15%
2009 -4.223.104 144.62%
2010 -1.032.586 -308.98%
2011 -5.464.173 81.1%
2012 -5.184.611 -5.39%
2013 -2.731.172 -89.83%
2014 -2.068.594 -32.03%
2015 -3.451.608 40.07%
2016 -4.892.000 29.44%
2017 557.000 978.28%
2018 1.822.000 69.43%
2019 16.166.000 88.73%
2020 24.455.000 33.89%
2021 34.032.000 28.14%
2022 8.633.000 -294.21%
2023 7.571.000 -14.03%
2023 5.603.000 -35.12%
2024 9.804.000 42.85%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Dominion Lending Centres Inc. Operating Cashflow
Year Operating Cashflow Growth
2002 -86.208
2003 -53.470 -61.23%
2004 -62.772 14.82%
2005 -144.357 56.52%
2006 3.820.609 103.78%
2007 -2.403.323 258.97%
2008 7.889.794 130.46%
2009 -4.119.617 291.52%
2010 -1.008.263 -308.59%
2011 -2.839.504 64.49%
2012 -1.803.151 -57.47%
2013 -2.704.387 33.32%
2014 -2.052.857 -31.74%
2015 -3.442.958 40.38%
2016 -3.440.000 -0.09%
2017 8.689.000 139.59%
2018 14.648.000 40.68%
2019 27.475.000 46.69%
2020 33.190.000 17.22%
2021 39.061.000 15.03%
2022 15.873.000 -146.08%
2023 9.243.000 -71.73%
2023 17.407.000 46.9%
2024 10.653.000 -63.4%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Dominion Lending Centres Inc. Capital Expenditure
Year Capital Expenditure Growth
2002 500
2003 0 0%
2004 0 0%
2005 0 0%
2006 1.627.052 100%
2007 7.926.485 79.47%
2008 6.005.296 -31.99%
2009 103.487 -5702.95%
2010 24.323 -325.47%
2011 2.624.669 99.07%
2012 3.381.460 22.38%
2013 26.785 -12524.45%
2014 15.737 -70.2%
2015 8.650 -81.93%
2016 1.452.000 99.4%
2017 8.132.000 82.14%
2018 12.826.000 36.6%
2019 11.309.000 -13.41%
2020 8.735.000 -29.47%
2021 5.029.000 -73.69%
2022 7.240.000 30.54%
2023 1.672.000 -333.01%
2023 11.804.000 85.84%
2024 849.000 -1290.34%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Dominion Lending Centres Inc. Equity
Year Equity Growth
2002 635.341
2003 566.495 -12.15%
2004 578.318 2.04%
2005 692.858 16.53%
2006 19.897.428 96.52%
2007 23.363.253 14.83%
2008 29.524.265 20.87%
2009 11.186.267 -163.93%
2010 12.214.208 8.42%
2011 33.786.130 63.85%
2012 30.571.874 -10.51%
2013 27.436.882 -11.43%
2014 7.865.087 -248.84%
2015 27.441.386 71.34%
2016 183.443.000 85.04%
2017 203.248.000 9.74%
2018 174.822.000 -16.26%
2019 157.842.000 -10.76%
2020 50.890.000 -210.16%
2021 33.821.000 -50.47%
2022 32.189.000 -5.07%
2023 29.631.000 -8.63%
2023 25.949.000 -14.19%
2024 29.925.000 13.29%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Dominion Lending Centres Inc. Assets
Year Assets Growth
2002 1.052.600
2003 775.098 -35.8%
2004 617.689 -25.48%
2005 806.796 23.44%
2006 38.613.506 97.91%
2007 35.443.650 -8.94%
2008 40.099.253 11.61%
2009 11.386.969 -252.15%
2010 12.308.956 7.49%
2011 35.175.610 65.01%
2012 30.820.035 -14.13%
2013 27.600.522 -11.66%
2014 8.309.978 -232.14%
2015 27.679.286 69.98%
2016 258.171.000 89.28%
2017 354.365.000 27.15%
2018 346.621.000 -2.23%
2019 321.820.000 -7.71%
2020 260.194.000 -23.68%
2021 253.925.000 -2.47%
2022 223.937.000 -13.39%
2023 223.404.000 -0.24%
2023 227.782.000 1.92%
2024 217.945.000 -4.51%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Dominion Lending Centres Inc. Liabilities
Year Liabilities Growth
2002 417.259
2003 208.603 -100.03%
2004 39.371 -429.84%
2005 113.938 65.45%
2006 18.716.078 99.39%
2007 12.080.397 -54.93%
2008 10.574.988 -14.24%
2009 200.702 -5169%
2010 94.748 -111.83%
2011 1.389.480 93.18%
2012 248.161 -459.91%
2013 163.640 -51.65%
2014 444.891 63.22%
2015 237.900 -87.01%
2016 74.728.000 99.68%
2017 151.117.000 50.55%
2018 171.799.000 12.04%
2019 163.978.000 -4.77%
2020 209.304.000 21.66%
2021 220.104.000 4.91%
2022 191.748.000 -14.79%
2023 193.773.000 1.05%
2023 201.833.000 3.99%
2024 188.020.000 -7.35%

Dominion Lending Centres Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1.42
Net Income per Share
0.21
Price to Earning Ratio
22.8x
Price To Sales Ratio
3.31x
POCF Ratio
7.94
PFCF Ratio
10.85
Price to Book Ratio
7.94
EV to Sales
5.4
EV Over EBITDA
12.55
EV to Operating CashFlow
12.9
EV to FreeCashFlow
17.68
Earnings Yield
0.04
FreeCashFlow Yield
0.09
Market Cap
0,23 Bil.
Enterprise Value
0,37 Bil.
Graham Number
1.66
Graham NetNet
-3.58

Income Statement Metrics

Net Income per Share
0.21
Income Quality
2.89
ROE
0.36
Return On Assets
0.05
Return On Capital Employed
0.13
Net Income per EBT
0.7
EBT Per Ebit
0.59
Ebit per Revenue
0.36
Effective Tax Rate
0.4

Margins

Sales, General, & Administrative to Revenue
0.4
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.81
Operating Profit Margin
0.36
Pretax Profit Margin
0.21
Net Profit Margin
0.15

Dividends

Dividend Yield
0.03
Dividend Yield %
2.54
Payout Ratio
1.18
Dividend Per Share
0.12

Operating Metrics

Operating Cashflow per Share
0.59
Free CashFlow per Share
0.43
Capex to Operating CashFlow
0.27
Capex to Revenue
0.11
Capex to Depreciation
1.59
Return on Invested Capital
0.08
Return on Tangible Assets
0.41
Days Sales Outstanding
71.2
Days Payables Outstanding
51.49
Days of Inventory on Hand
0
Receivables Turnover
5.13
Payables Turnover
7.09
Inventory Turnover
0
Capex per Share
0.16

Balance Sheet

Cash per Share
0,11
Book Value per Share
0,62
Tangible Book Value per Share
-3.39
Shareholders Equity per Share
0.59
Interest Debt per Share
3.22
Debt to Equity
5.13
Debt to Assets
0.67
Net Debt to EBITDA
4.85
Current Ratio
0.57
Tangible Asset Value
-0,16 Bil.
Net Current Asset Value
-0,17 Bil.
Invested Capital
179113000
Working Capital
-0,02 Bil.
Intangibles to Total Assets
0.89
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.65

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Dominion Lending Centres Inc. Dividends
Year Dividends Growth
2017 0
2018 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Dominion Lending Centres Inc. Profile

About Dominion Lending Centres Inc.

Dominion Lending Centres Inc. provides mortgage brokerage franchising and data connectivity services in Canada. The company operates in two segments, Core Business Operations and Non-Core Business Asset Management. As of December 31, 2021, it operated through 207 franchisees. The company was formerly known as Founders Advantage Capital Corp. Dominion Lending Centres Inc. was founded in 2006 and is headquartered in Calgary, Canada.

CEO
Mr. Gary Brian Mauris
Employee
151
Address
2207 4th Street S.W.
Calgary, T2S 1X1

Dominion Lending Centres Inc. Executives & BODs

Dominion Lending Centres Inc. Executives & BODs
# Name Age
1 Mr. Gary Brian Mauris
Co-Founder, Chief Executive Officer & Executive Chairman
70
2 Mr. Chris Kayat
Co-Founder & Executive Vice-Chairman
70
3 Mr. Slawomir Kownacki
Chief Technology Officer
70
4 Mr. James Geral M. Bell L.L.B.
Executive Vice President, Corporate Secretary, Chief Legal Officer & Director
70
5 Mr. Amardeep S. Leekha M.B.A., MBA
Senior Vice President of Capital Markets
70
6 Mr. Geoffrey Henry Hague
Chief Financial Officer
70
7 Mr. Joe Pinheiro
Vice President of Corporate Development
70
8 Mr. Richard George Spence
President of Mortgage Centre Canada
70
9 Mr. Dave Teixeira
Executive Vice President of DLCG Operations
70
10 Mr. Edward Cocciollo
President
70

Dominion Lending Centres Inc. Competitors