Dominion Lending Centres, Inc. (canada) Class A · TSX:DLCG
Dominion Lending Centres, Inc. (canada) Class A — Dominion Lending Centres — Investor Presentation (November 2025)
20 slides from Dominion Lending Centres, Inc. (canada) Class A's investor presentation, November 2025
Slide 1: Investor Presentation
November 2025 Investor Presentation TSX: DLCG
Slide 2: Disclaimer
Disclaimer THIS PRESENTATION IS BEING SUPPLIED TO YOU SOLELY FOR YOUR INFORMATION AND MAY NOT BE REPRODUCED, FURTHER DISTRIBUTED OR PUBLISHED IN WHOLE OR IN PART BY ANY OTHER PERSON. THIS PRESENTATION DOES NOT CONSTITUTE OR FORM PART OF ANY OFFER FOR SALE OR SOLICITATION OF ANY OFFER TO BUY ANY SECU
Slide 3: DLCG's Track Record of Success
DLCG’s Track Record of Success 10% 12% One of Canada’s 7-Year CAGR2 7-Year CAGR2 Leading Mortgage Revenue Adjusted EBITDA1 Broker Networks $80.6B 48% Trailing 12-Month (TTM)3 7-year Average2 and Owner of Newton Funded Mortgages Adj EBITDA Margin1 Connectivity Systems: a proprietary fintech mortgage
Slide 4: Canada's Premier Mortgage Broker Franchise Platform
Canada’s Premier DLCG Broker Networks Mortgage Broker Franchise Platform Leveraging two decades of growth and a multi- brand strategy to become the partner of choice for mortgage brokers and lenders and a trusted Industry-Leading Lending Partners mortgage partner for Canadian consumers. 500+ 9,000+
Slide 5: Newton Connectivity Systems fintech platform
Newton Connectivity Systems is a leading fintech platform connecting brokers directly and securely to lenders and third-party suppliers. Credit Velocity, Newton’s operating system, Unions seamlessly automates the entire mortgage Mortgage submission and approval process for brokers, Broker lenders, a
Slide 6: Scalable, Asset-Light Model Drives Strong Growth & Profitability
Scalable, Asset-Light Total Revenue CAD millions Adjusted EBITDA1 Adjusted EBITDA Margin1 Model Drives Strong CAD millions Growth & Profitability $80M Revenue generated by franchise royalties, 59% 49% 47% 52% 47% 49% 42% 45% lender fees, commissions and connectivity fees. 39% $60M Long-term fran
Slide 7: Positioned for Market Share Growth in a Large and Growing Market
Total Canadian Mortgages Outstanding at Chartered Banks1 CAD trillions Positioned for $1.8 trillion Market Share Canadian Mortgages Outstanding, Growing at a 6% CAGR Over the $1.7T $1.7T $1.8T Growth in a Large Last 10 years. $1.6T and Growing Market $1.4T $1.3T $1.2T $1.2T $1.1T $1.0T $1.1T $655 Bi
Slide 8: Closing the Mortgage Broker Penetration Gap
Closing the Mortgage Broker Mortgage Broker Market Share By Country Penetration Gap Unlocks Path to More Than Doubling Market Size 87% Mortgage brokers currently represent ~32% of mortgage originations in 75% Canada1—a penetration rate significantly lower than comparable markets like Australia (75%)
Slide 9: Mortgage Renewals Driving Growth Through 2027
YOY Growth Rate of Canadian Mortgages Outstanding1 Mortgage 14% Renewals Driving Growth Growth Rate BoC Policy Rate3 12% Through 2027 10% 8% Over 5 million mortgages are expected to renew through the 6% end of 2027 driven by the The Pandemic and record pandemic-era borrowing boom low interest rates
Slide 10: DLCG's Winning Strategy: Capitalizing on a Growing Market
DLCG’s Winning DLCG Funded Mortgage Volume (FMV) CAD billions Strategy: Capitalizing on a Growing Market $79.6B $80.6B To Drive Funded $71.3B $67.4B Mortgage Volume $56.5B Growth $51.5B $41.7B $37.0B $35.4B $36.4B $32.9B $25.9B 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 TTM 1. For
Slide 11: The DLC Group's Revenue Model
The DLC Group’s Revenue Model The majority DLC Group’s revenue is generated by the Funded Mortgage Volume (FMV) that flows through its network. The company earns approximately 12 basis points on FMV, driven by contributions from franchise partners, corporate-owned brokers, lenders and third-party su
Slide 12: Augmenting Growth Through an Accretive Acquisition Strategy
The 2013 Mortgage Centre Augmenting Growth Through an Accretive 2015 Mortgage Acquisition Strategy Architects Newton 2016 Connectivity Systems (70%)1 Strategic Rational Acquisitions Real Grow Funded The Mortgage Centre (2013) Mortgage Mortgage Volume Mortgage Architects (2015) Associates3 Real Mortg
Slide 13: Core Focus: Grow Funded Mortgage Volume
Growth Strategy Core Focus: Grow Funded Mortgage Volume Total Mortgage Brokers CAD billions Funded Mortgage $100B 9,086 8,663 Volume 7,749 8,221 8,192 $80B 6,592 Initiatives 5,627 $60B Active recruitment of new brokers and 5,237 5,401 5,407 franchises to the DLCG network Increase broker producti
Slide 14: Expand Velocity Adoption Across DLCG Network and Drive Future Growth
Growth Strategy Expand Velocity Newton Revenue Velocity Adoption CAD millions within DLCG Broker Network Adoption Across $30M 81% DLCG Network and 73% $25M Drive Future Growth 63% 55% $20M Initiatives 44% $15M Increase Velocity adoption across the DLCG broker network with a goal to reach 85%-90%.
Slide 15: Accretive Acquisitions to Expand Funded Mortgage Volumes & Enter New Verticals
Growth Strategy Accretive Acquisition Priorities Acquisitions to Grow Broker and Franchise Network Expand Funded Strong pipeline of acquisition opportunities to Mortgage Volumes & “reflag” competitor brokers to DLCG brands Enter New Verticals Enter New Complimentary Verticals Initiatives Home Insura
Slide 16: Near-Term Outlook: Strong Renewal Market And Improving Housing Activity
Canadian Home Sale Activity1 BoC Policy Rate2 Near-Term Outlook: 900k 6% Strong Renewal Market 800k 5% And Improving Housing 700k Activity 600k 4% Housing activity has rebounded from a slow start 500k to 2025, with residential sales activity increasing 4.2% 3% in Q3 2025 400k Mortgage originatio
Slide 17: Q3 2025 Highlights: Consistent Upward Trends
Q3 2025 Highlights: Consistent Upward September 30, September 30, Trends Quarter Ended % Change 2025 2024 Funded Mortgage Volume $23.5 B $19.7 B 19% Strong renewal market, increased broker productivity, and greater market presence across Revenue $26.4 M $22.1 M 20% Canada drove FMV growth. Adjuste
Slide 18: Capital Allocation Supported by Strong Cash Flow & Balance Sheet
Capital Allocation Supported by Strong Cash Flow & Balance September 30, September 30, Sheet Six months ended 2025 2024 Free Cash Flow2 $26.9 M $10.5 M DLCG’s strong balance sheet is well positioned to support the Company’s capital allocation priorities: Cash $3.5 M $9.9 M Growth: Grow both organi
Slide 19: Experienced Management with Strong Shareholder Alignment
Experienced Gary Mauris Chris Kayat Co-Founder, Executive Co-Founder, EVP & Chairman & CEO Director Management Prior to co-founding DLCG in 2006, Gary successfully built and exited two Prior to co-founding DLCG in 2006, Chris was active in the real estate with Strong companies. He was industry and w
Slide 20: TSX: DLCG dlcg.ca
dies MORTGAGE GROUP TSX: DLCG dicg.ca
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