DLCG.TO vs. FFH.TO

Last updated Jun 4, 2026

DLCG.TO (Dominion Lending Centres Inc.) and FFH.TO (Fairfax Financial Holdings Limited) are both stocks. Both are in the Financial Services sector — DLCG.TO in Mortgage Finance, FFH.TO in Insurance - Property & Casualty. Over the past 10 years, DLCG.TO returned 6.25%/yr vs 14.59%/yr for FFH.TO. At a 0.03 correlation, their price movements are largely independent.

Performance

DLCG.TO vs. FFH.TO - Performance Comparison

The chart below illustrates the hypothetical performance of a CA$10,000 investment in Dominion Lending Centres Inc. (DLCG.TO) and Fairfax Financial Holdings Limited (FFH.TO). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, DLCG.TO achieves a -13.26% return, which is significantly higher than FFH.TO's -16.39% return. Over the past 10 years, DLCG.TO has underperformed FFH.TO with an annualized return of 6.25%, while FFH.TO has yielded a comparatively higher 14.59% annualized return.

DLCG.TO

• 1D: 1.55%
• 1M: -9.67%
• YTD: -13.26%
• 6M: -11.30%
• 1Y: -8.17%
• 3Y*: 58.57%
• 5Y*: 20.20%
• 10Y*: 6.25%

FFH.TO

• 1D: 0.16%
• 1M: -1.84%
• YTD: -16.39%
• 6M: -7.73%
• 1Y: -5.14%
• 3Y*: 31.57%
• 5Y*: 32.54%
• 10Y*: 14.59%

*Multi-year figures are annualized to reflect compound growth (CAGR)

DLCG.TO vs. FFH.TO - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
DLCG.TO Dominion Lending Centres Inc.	-13.26%	29.71%	187.28%	-8.13%	-12.34%	22.15%	136.15%	4.00%	-45.11%	-38.57%
FFH.TO Fairfax Financial Holdings Limited	-16.39%	32.22%	66.26%	54.96%	31.51%	47.29%	-27.31%	3.63%	-8.51%	5.45%

Correlation

The correlation between DLCG.TO and FFH.TO is 0.04, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.04
Correlation (3Y) Calculated over the trailing 3-year period	0.06
Correlation (5Y) Calculated over the trailing 5-year period	0.08
Correlation (10Y) Calculated over the trailing 10-year period	0.04
Correlation (All Time) Calculated using the full available price history since May 21, 2002	0.03

Fundamentals

Market Cap DLCG.TO : CA$663.87M FFH.TO : CA$48.51B
EPS DLCG.TO : CA$0.28 FFH.TO : CA$205.21
PE Ratio DLCG.TO : 30.16 FFH.TO : 10.57
PEG Ratio DLCG.TO : 0.00 FFH.TO : 0.17
PS Ratio DLCG.TO : 7.15 FFH.TO : 1.63
PB Ratio DLCG.TO : 4.90 FFH.TO : 1.88
Total Revenue (TTM) DLCG.TO : CA$97.50M FFH.TO : CA$29.34B
Gross Profit (TTM) DLCG.TO : CA$83.85M FFH.TO : CA$6.18B
EBITDA (TTM) DLCG.TO : CA$42.41M FFH.TO : CA$7.83B

Return for Risk

DLCG.TO vs. FFH.TO — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

DLCG.TO

DLCG.TO Risk / Return Rank: 29
DLCG.TO Sharpe Ratio Rank: 31
DLCG.TO Sortino Ratio Rank: 27
DLCG.TO Omega Ratio Rank: 28
DLCG.TO Calmar Ratio Rank: 31
DLCG.TO Martin Ratio Rank: 29

FFH.TO

FFH.TO Risk / Return Rank: 29
FFH.TO Sharpe Ratio Rank: 31
FFH.TO Sortino Ratio Rank: 26
FFH.TO Omega Ratio Rank: 26
FFH.TO Calmar Ratio Rank: 31
FFH.TO Martin Ratio Rank: 29

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

DLCG.TO vs. FFH.TO - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Dominion Lending Centres Inc. (DLCG.TO) and Fairfax Financial Holdings Limited (FFH.TO). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	DLCG.TO	FFH.TO	Difference
Sharpe ratio Return per unit of total volatility	-0.23	-0.23	0.00
Sortino ratio Return per unit of downside risk	-0.12	-0.16	+0.04
Omega ratio Gain probability vs. loss probability	0.99	0.98	+0.01
Calmar ratio Return relative to maximum drawdown	-0.29	-0.27	-0.02
Martin ratio Return relative to average drawdown	-0.65	-0.63	-0.02
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

DLCG.TO vs. FFH.TO - Sharpe Ratio Comparison

The current DLCG.TO Sharpe Ratio is -0.23, which is comparable to the FFH.TO Sharpe Ratio of -0.23. The chart below compares the historical Sharpe Ratios of DLCG.TO and FFH.TO, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	DLCG.TO	FFH.TO	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.23	-0.23	0.00
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.41	1.37	-0.95
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.10	0.57	-0.47
Sharpe Ratio (All Time) Calculated using the full available price history	0.06	0.47	-0.40

Drawdowns

DLCG.TO vs. FFH.TO - Drawdown Comparison

The maximum DLCG.TO drawdown since its inception was -98.79%, which is greater than FFH.TO's maximum drawdown of -88.18%. Use the drawdown chart below to compare losses from any high point for DLCG.TO and FFH.TO.

Drawdown Indicators

	DLCG.TO	FFH.TO	Difference
Max Drawdown Largest peak-to-trough decline	-98.79%	-88.18%	-10.61%
Max Drawdown (1Y) Largest decline over 1 year	-28.19%	-18.88%	-9.31%
Max Drawdown (3Y) Largest decline over 3 years	-28.19%	-18.88%	-9.31%
Max Drawdown (5Y) Largest decline over 5 years	-57.19%	-18.88%	-38.31%
Max Drawdown (10Y) Largest decline over 10 years	-87.29%	-56.23%	-31.06%
Current Drawdown Current decline from peak	-21.21%	-16.66%	-4.55%
Average Drawdown Average peak-to-trough decline	-62.06%	-27.42%	-34.64%
Ulcer Index Depth and duration of drawdowns from previous peaks	12.62%	8.13%	+4.49%

Volatility

DLCG.TO vs. FFH.TO - Volatility Comparison

Dominion Lending Centres Inc. (DLCG.TO) has a higher volatility of 11.63% compared to Fairfax Financial Holdings Limited (FFH.TO) at 6.57%. This indicates that DLCG.TO's price experiences larger fluctuations and is considered to be riskier than FFH.TO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	DLCG.TO	FFH.TO	Difference
Volatility (1M) Calculated over the trailing 1-month period	11.63%	6.57%	+5.06%
Volatility (6M) Calculated over the trailing 6-month period	28.54%	18.41%	+10.13%
Volatility (1Y) Calculated over the trailing 1-year period	35.71%	22.61%	+13.10%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	49.29%	24.00%	+25.29%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	60.69%	25.57%	+35.12%

Dividends

DLCG.TO vs. FFH.TO - Dividend Comparison

DLCG.TO's dividend yield for the trailing twelve months is around 1.99%, more than FFH.TO's 0.96% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DLCG.TO Dominion Lending Centres Inc.	1.99%	1.51%	1.54%	4.29%	2.81%	0.00%	0.00%	0.00%	4.16%	2.21%	0.00%	116.00%
FFH.TO Fairfax Financial Holdings Limited	0.96%	0.82%	1.01%	1.10%	1.56%	2.05%	3.01%	2.17%	2.07%	1.97%	2.24%	1.82%

Financials

DLCG.TO vs. FFH.TO - Profitability Comparison

The chart below illustrates the profitability comparison between Dominion Lending Centres Inc. and Fairfax Financial Holdings Limited over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

DLCG.TO - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Dominion Lending Centres Inc. reported a gross profit of 16.32M and revenue of 19.95M. Therefore, the gross margin over that period was 81.8%.

FFH.TO - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Fairfax Financial Holdings Limited reported a gross profit of 986.70M and revenue of 6.41B. Therefore, the gross margin over that period was 15.4%.

DLCG.TO - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Dominion Lending Centres Inc. reported an operating income of 7.15M and revenue of 19.95M, resulting in an operating margin of 35.8%.

FFH.TO - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Fairfax Financial Holdings Limited reported an operating income of 1.04B and revenue of 6.41B, resulting in an operating margin of 16.2%.

DLCG.TO - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Dominion Lending Centres Inc. reported a net income of 4.80M and revenue of 19.95M, resulting in a net margin of 24.1%.

FFH.TO - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Fairfax Financial Holdings Limited reported a net income of 695.70M and revenue of 6.41B, resulting in a net margin of 10.9%.

Frequently Asked Questions

Can I hold both DLCG.TO and FFH.TO in my portfolio?

DLCG.TO and FFH.TO have a correlation of 0.04, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.