Dominion Lending Centres (TSX:DLCG) Cyclically Adjusted FCF per Share: C$0.33 (As of Mar. 2026)

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TSX:DLCG Dominion Lending Centres Inc TSX:DLCG
71 GF Score
Price C$8.88
GF Value C$5.59
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Dominion Lending Centres Cyclically Adjusted FCF per Share?

Dominion Lending Centres TSX:DLCG -0.67% 71 Cyclically Adjusted FCF per Share is C$0.33 as of Mar. 2026. GuruFocus rates TSX:DLCG with a GF Score™ of 71/100 and a GF Value™ of C$5.59 (Significantly Overvalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Dominion Lending Centres's adjusted free cash flow per share for the three months ended in Mar. 2026 was C$-0.004. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is C$0.33 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Dominion Lending Centres's average Cyclically Adjusted FCF Growth Rate was -5.70% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 22.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Dominion Lending Centres was 54.20% per year. The lowest was -38.70% per year. And the median was 15.70% per year.

As of today (2026-07-17), Dominion Lending Centres's current stock price is C$8.88. Dominion Lending Centres's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was C$0.33. Dominion Lending Centres's Cyclically Adjusted Price-to-FCF of today is 26.91.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Dominion Lending Centres was 62.00. The lowest was 8.45. And the median was 19.17.


Dominion Lending Centres  (TSX:DLCG) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Dominion Lending Centres's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=8.88/0.33
=26.91

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Dominion Lending Centres was 62.00. The lowest was 8.45. And the median was 19.17.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Dominion Lending Centres Cyclically Adjusted FCF per Share Related Terms


Dominion Lending Centres Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Dominion Lending Centres's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Dominion Lending Centres Cyclically Adjusted FCF per Share Chart

Dominion Lending Centres Annual Data
Trend Sep15 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.09 0.18 0.24 0.33 0.33

Dominion Lending Centres Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.35 -0.12 -0.13 0.33 0.33

TSX:DLCG vs RKT, FNMA, PFSI: Cyclically Adjusted FCF per Share Comparison

For the Mortgage Finance subindustry, Dominion Lending Centres's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Dominion Lending Centres Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Dominion Lending Centres's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Dominion Lending Centres's Cyclically Adjusted Price-to-FCF falls into.


TSX:DLCG
71GF Score
Dominion Lending Centres Inc TSX:DLCG
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dominion Lending Centres Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Dominion Lending Centres's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-0.004/132.2623*132.2623
=-0.004

Current CPI (Mar. 2026) = 132.2623.

Dominion Lending Centres Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201603 -0.125 101.054 -0.164
201606 -0.080 102.002 -0.104
201609 0.000 101.765 0.000
201703 0.069 102.634 0.089
201706 0.067 103.029 0.086
201709 -0.054 103.345 -0.069
201712 -0.064 103.345 -0.082
201803 -0.103 105.004 -0.130
201806 0.137 105.557 0.172
201809 0.082 105.636 0.103
201812 -0.068 105.399 -0.085
201903 0.087 106.979 0.108
201906 0.164 107.690 0.201
201909 0.128 107.611 0.157
201912 0.044 107.769 0.054
202003 0.109 107.927 0.134
202006 0.145 108.401 0.177
202009 0.219 108.164 0.268
202012 0.169 108.559 0.206
202103 0.041 110.298 0.049
202106 0.261 111.720 0.309
202109 0.212 112.905 0.248
202112 0.203 113.774 0.236
202203 -0.035 117.646 -0.039
202206 0.216 120.806 0.236
202209 0.063 120.648 0.069
202212 -0.064 120.964 -0.070
202303 -0.174 122.702 -0.188
202306 0.079 124.203 0.084
202309 0.155 125.230 0.164
202312 0.047 125.072 0.050
202403 0.019 126.258 0.020
202406 0.201 127.522 0.208
202409 0.209 127.285 0.217
202412 0.184 127.364 0.191
202503 0.083 129.181 0.085
202506 0.120 129.892 0.122
202509 0.076 130.287 0.077
202512 0.044 130.366 0.045
202603 -0.004 132.262 -0.004

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of C$0.33 mean?
Dominion Lending Centres (TSX:DLCG) has a Cyclically Adjusted FCF per Share of C$0.33 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Dominion Lending Centres and its competitors.
Is Dominion Lending Centres' Cyclically Adjusted FCF per Share too high?
Dominion Lending Centres' current Cyclically Adjusted FCF per Share is C$0.33. Overall, Dominion Lending Centres has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Dominion Lending Centres' Cyclically Adjusted FCF per Share compare to RKT and FNMA?
Dominion Lending Centres' Cyclically Adjusted FCF per Share of C$0.33 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Dominion Lending Centres and its competitors. Dominion Lending Centres's current Cyclically Adjusted FCF per Share is C$0.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dominion Lending Centres stock overvalued right now?
Based on GuruFocus' analysis, Dominion Lending Centres (TSX:DLCG) is currently considered Significantly Overvalued. The stock's GF Value™ is C$5.59, compared to a current price of C$8.88 — trading 58.9% above its estimated fair value. The current Cyclically Adjusted FCF per Share is C$0.33. Dominion Lending Centres' overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Dominion Lending Centres (TSX:DLCG), the current Cyclically Adjusted FCF per Share is C$0.33 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Dominion Lending Centres (TSX:DLCG) Overvalued in 2026?

Based on GuruFocus' analysis, Dominion Lending Centres stock appears to be overvalued. The current stock price of C$8.88 is trading 58.9% above its estimated GF Value™ of C$5.59. GuruFocus considers Dominion Lending Centres to be Significantly Overvalued.

Key valuation signals for TSX:DLCG:

  • Cyclically Adjusted FCF per Share: C$0.33
  • GF Value™: C$5.59 vs. price of C$8.88 (58.9% above fair value)
  • GF Score™: 71/100 with 3 warning signs

No single metric tells the full story. See the TSX:DLCG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Dominion Lending Centres Business Description

Other Exchanges BRLGF:USAB6M:Germany
Address 2215 Coquitlam Avenue, Port Coquitlam, BC, CAN, V3B 1J6
Dominion Lending Centres Inc is a mortgage brokerage franchisor and mortgage broker data connectivity provider with operations across Canada. The company provides assistance on First-time Homebuying, Mortgage Renewals, Commercial Financing, and Mortgage Refinancing.
71GF Score

Get the complete analysis for TSX:DLCG

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

C$8.88
Price
C$5.59
GF Value