Dominion Lending Centres, Inc. (Canada) Class A (DLCG) AI Stock Analysis

• Market Cap: C$707.07M
• Dividend Yield: 1.44%
• Average Volume (3M): 20.79K
• Price to Earnings (P/E): 37.7
• Beta (1Y): 0.76
• Revenue Growth: 35.48%
• EPS Growth: -4412.25%
• Country: CA
• Employees: 158
• Sector: Financial
• Sector Strength: 69
• Industry: Financial - Mortgages
• EPS (TTM): 0.10
• Shares Outstanding: 78,724,440
• 10 Day Avg. Volume: 17,047
• 30 Day Avg. Volume: 20,792
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: C$10.00
• Price Target Upside: 10.99% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 59 Neutral
• Price Target: C$9.50 ▲(5.44% Upside)

Dominion Lending Centres, Inc. has a moderate overall stock score driven by strong corporate events and strategic initiatives. However, profitability challenges and valuation concerns weigh down the score. The company's ability to manage costs and cash flow efficiently is a positive, but improving profitability remains crucial for a higher score.

Dominion Lending Centres, Inc. (Canada) Class A Business Overview & Revenue Model

Company Description

Dominion Lending Centres, Inc. (Canada) Class A (DLCG) is a leading Canadian mortgage brokerage and financial services company. The firm operates primarily in the financial services sector, offering a range of mortgage-related solutions to consumers and businesses across Canada. Dominion Lending Centres provides mortgage brokerage services through its extensive network of mortgage professionals and franchise partners, making it one of the largest and most established mortgage brokerage networks in the country.

How the Company Makes Money

Dominion Lending Centres, Inc. generates revenue primarily through commissions earned on mortgage originations and other financial services facilitated by its network of mortgage professionals. The company works with a variety of lenders to provide mortgage solutions to clients, earning fees and commissions for successfully placing loans. Additionally, the company may have partnerships with various financial institutions, which can provide additional revenue streams through preferred lender arrangements and volume bonuses. Franchise fees from its network of mortgage brokerage franchises also contribute to its earnings, as the company supports franchisees with marketing, training, and operational support, thus sharing in the financial success of its franchise partners.

Dominion Lending Centres, Inc. (Canada) Class A Financial Statement Overview

Summary

Dominion Lending Centres, Inc. displays strong cost management and cash flow efficiency. However, persistent negative net income and revenue declines highlight significant financial challenges. The balance sheet shows manageable leverage, but high debt levels pose risks.

Income Statement

Dominion Lending Centres, Inc. has faced challenges in maintaining profitability, with a negative net income in recent periods. The gross profit margin remains strong, indicating efficient cost management relative to revenue. However, declining revenue trends and a negative net profit margin suggest significant financial pressures, possibly due to high expenses or market conditions affecting revenue streams.

Balance Sheet

The company's balance sheet reflects moderate financial leverage with a debt-to-equity ratio that indicates some reliance on debt financing. The equity ratio is stable, suggesting a reasonable proportion of assets financed by equity. There is a decent return on equity, though fluctuating net income impacts overall returns.

Cash Flow

Dominion Lending Centres, Inc. has demonstrated strong operating cash flow relative to net income, highlighting efficient cash management. While free cash flow growth is positive, it is offset by high capital expenditures and financing cash outflows. The company appears to manage cash resources effectively despite profitability challenges.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	76.75M	62.52M	70.72M	78.82M	52.41M
Gross Profit	62.57M	52.09M	60.02M	68.97M	45.80M
EBITDA	41.36M	25.75M	30.84M	43.44M	34.33M
Net Income	-126.77M	64.00K	12.06M	-5.51M	20.04M
Balance Sheet
Total Assets	218.89M	218.11M	223.94M	253.93M	260.19M
Cash, Cash Equivalents and Short-Term Investments	4.73M	5.61M	9.21M	20.89M	10.32M
Total Debt	32.19M	156.10M	38.93M	38.76M	43.49M
Total Liabilities	85.19M	192.16M	191.75M	220.10M	209.30M
Stockholders Equity	132.14M	25.70M	31.96M	31.74M	49.47M
Cash Flow
Free Cash Flow	30.40M	5.60M	8.63M	34.03M	24.45M
Operating Cash Flow	37.20M	17.09M	15.87M	39.06M	33.19M
Investing Cash Flow	-4.20M	-11.41M	9.10M	-4.76M	-13.78M
Financing Cash Flow	-33.89M	-9.27M	-36.64M	-23.75M	-14.46M

Dominion Lending Centres, Inc. (Canada) Class A Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 9.01
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:DLCG, the sentiment is Positive. The current price of 9.01 is above the 20-day moving average (MA) of 8.92, below the 50-day MA of 9.04, and above the 200-day MA of 7.92, indicating a neutral trend. The MACD of -0.02 indicates Negative momentum. The RSI at 54.17 is Neutral, neither overbought nor oversold. The STOCH value of 63.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSE:DLCG.

Dominion Lending Centres, Inc. (Canada) Class A Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MKP	76 Outperform	C$834.64M	11.41	11.84%	7.60%	19.71%	-15.59%
VBNK	74 Outperform	$458.19M	12.70	6.79%	0.71%	7.83%	-37.41%
AI	68 Neutral	C$559.62M	11.09	9.72%	7.83%	-1.56%	-9.70%
FC	67 Neutral	C$441.20M	11.61	9.14%	8.50%	-4.56%	0.77%
TF	66 Neutral	C$632.23M	14.54	6.30%	9.03%	-10.69%	-28.58%
Sector *	62 Neutral	C$15.22B	6.65	19.04%	5.62%	32.98%	-40.14%
DLCG	59 Neutral	C$707.07M	37.65	-143.13%	1.44%	35.48%	-4412.25%

Dominion Lending Centres, Inc. (Canada) Class A Corporate Events

Dominion Lending Centres Reports Strong Q2 2025 Results with Revenue Growth and Strategic Expansion

Dominion Lending Centres Inc. reported strong financial results for Q2 2025, with a 31% increase in revenue and a doubling of adjusted earnings per share. Despite challenges in the housing market, the company benefited from a strong Canadian residential mortgage origination market, growth in its broker network, and increased adoption of its Velocity platform. Additionally, the launch of Heartwood Financial Group, in which DLC holds a 40% equity interest, marks an expansion into an underserved segment of the market, promising future profitability and shareholder value.

The most recent analyst rating on (TSE:DLCG) stock is a Buy with a C$5.50 price target. To see the full list of analyst forecasts on Dominion Lending Centres, Inc. (Canada) Class A stock, see the TSE:DLCG Stock Forecast page.

Dominion Lending Centres to Announce Q2 2025 Financial Results

Dominion Lending Centres Inc. announced that it will release its second quarter 2025 financial results on August 7, 2025, after the market closes. The company will hold a conference call and webcast on the same day to discuss these results, which could provide insights into its operational performance and market positioning.

The most recent analyst rating on (TSE:DLCG) stock is a Buy with a C$5.50 price target. To see the full list of analyst forecasts on Dominion Lending Centres, Inc. (Canada) Class A stock, see the TSE:DLCG Stock Forecast page.

Dominion Lending Centres Inc. Launches Heartwood Financial Group to Serve Underserved Mortgage Market

Dominion Lending Centres Inc. announced the commencement of operations for Heartwood Financial Group, a non-B20 residential mortgage lender targeting an underserved segment of the Canadian housing market. Heartwood, in which DLCG holds a 40% equity interest, will operate independently and provide mortgage solutions through DLCG’s network, focusing on borrowers who may not qualify under traditional bank lending. This strategic move is expected to benefit DLCG as Heartwood adopts a prudent growth approach for the rest of 2025, positioning itself for future success.

The most recent analyst rating on (TSE:DLCG) stock is a Buy with a C$5.50 price target. To see the full list of analyst forecasts on Dominion Lending Centres, Inc. (Canada) Class A stock, see the TSE:DLCG Stock Forecast page.

Dominion Lending Centres Inc. Initiates Share Repurchase Program

Dominion Lending Centres Inc. has announced the launch of a normal course issuer bid (NCIB) and an automatic share purchase plan (ASPP), approved by the Toronto Stock Exchange. The NCIB allows the company to repurchase up to 2.67% of its outstanding class ‘A’ common shares, aiming to enhance shareholder value and supplement its dividend program. This strategic move is intended to provide flexibility in capital allocation, allowing for opportunistic share repurchases while maintaining a strong balance sheet and considering alternative investment opportunities.

The most recent analyst rating on (TSE:DLCG) stock is a Buy with a C$5.50 price target. To see the full list of analyst forecasts on Dominion Lending Centres, Inc. (Canada) Class A stock, see the TSE:DLCG Stock Forecast page.

Dominion Lending Centres Inc. Boosts Quarterly Dividend by 33%

Dominion Lending Centres Inc. has announced a 33% increase in its quarterly dividend to $0.04 per common share, reflecting the company’s commitment to delivering shareholder value. This increase is supported by a solid balance sheet, strong cash flow, and a positive long-term growth outlook, indicating robust financial health and confidence in future performance.

The most recent analyst rating on (TSE:DLCG) stock is a Buy with a C$5.50 price target. To see the full list of analyst forecasts on Dominion Lending Centres, Inc. (Canada) Class A stock, see the TSE:DLCG Stock Forecast page.

Dominion Lending Centres Inc. Reports Shareholder Meeting Outcomes

Dominion Lending Centres Inc. announced the results of its annual general meeting, where all seven director nominees were successfully elected, showcasing strong shareholder support. Additionally, the re-appointment of Ernst & Young LLP as auditors and the approval of the unallocated options under the stock option plan reflect continued confidence in the company’s governance and strategic direction.