Dominion Lending Centres, Inc. (canada) Class A · TSX:DLCG
Dominion Lending Centres, Inc. (canada) Class A — Dominion Lending Centres — Q2 2026 Earnings Presentation
18 slides from Dominion Lending Centres, Inc. (canada) Class A's earnings presentation, August 2026
Slide 1: Investor Presentation
August 2026 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: One of Canada's Leading Mortgage Broker Networks
One of Canada’s DLCG’s Track Record of Success Leading Mortgage 13% 14% Broker Networks 7-Year CAGR2 7-Year CAGR2 Revenue Adjusted EBITDA1 and Owner of Newton (Velocity) and Filogix: $84.5B 49% Proprietary Fintech 2025 Funded Mortgages 7-year Average2 Adjusted EBITDA Mortgage Connectivity Margin1 Pl
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+ 8,800+
Slide 5: Mortgage Technology Platforms Connecting Brokers and Lenders
Mortgage Technology DLCG Technology Platforms Platforms Connecting Brokers and Lenders Through Velocity and Filogix, DLCG provides technology and digital infrastructure that seamlessly connects mortgage brokers with lenders, suppliers and industry Newton Connectivity (Velocity) partners. Used primar
Slide 6: Filogix Acquisition
Filogix Acquisition Significantly Enhances Connectivity Reach Highly regarded connectivity platform with deep broker TRANSACTION OVERVIEW relationships and extensive lender integration across Canada $58.5M $15-18M Accretive Enhances Platform Resilience Cash purchase Expected Adjusted Immediately pri
Slide 7: Scalable, Asset-Light Model Drives Strong Growth & Profitability
Scalable, Asset-Light Total Revenue CAD millions Adjusted EBITDA1 Adjusted EBITDA Margin1 Model Drives Strong $100M CAD millions Growth & Profitability $80M Revenue generated by franchise royalties, 59% 49% 47% 52% 45% 47% 51% lender fees, commissions and connectivity fees 42% 39% Long-term fran
Slide 8: 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 Growth in a Large $1.8T Canadian Mortgages Outstanding, $1.8T $1.7T Growing at a 5.5% CAGR Over the $1.7T Last 10 years. $1.6T and Growing Market $1.4T $1.3T $1.2T $1.2T $1.1T $1.0T $1.1T
Slide 9: Closing the Mortgage Broker Penetration Gap Unlocks Path to More Than Doubling Market Size
Closing the Mortgage Broker Mortgage Broker Market Share Penetration Gap Unlocks Path to By Country More Than Doubling Market Size 87% Mortgage brokers currently represent ~38% of mortgage originations in 75% Canada1 , a penetration rate significantly lower than comparable markets like Australia (75
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 $84.5B and Being the Partner $71.3B $67.4B of Choice To Brokers and Lending Partners $56.5B $51.5B $41.7B $37.0B $35.4B $36.4B $32.9B $25.9B 2014 2015 2016 2017 2018 2019 2020 2021 2022 20
Slide 11: DLCG's Revenue Model
DLCG’s Revenue Model The majority of the DLCG’s revenue is generated by the Funded Mortgage Volume (FMV) that flows through its network. The company earns approximately 11-12 basis points on FMV, driven by contributions from franchise partners, corporately-owned brokerages, lenders and third-party s
Slide 12: Augmenting Growth Through an Accretive Acquisition Strategy
The 2013 Mortgage Centre Augmenting Growth 2015 Mortgage Architects Through an Accretive Newton 2016 Acquisition Strategy Connectivity Systems (70%)1 Strategic Rational Acquisitions Newton 2022 Connectivity The Mortgage Centre (2013) Systems (30%)2 Grow Funded Mortgage Architects (2015) Mortgage Vol
Slide 13: Core Focus: Grow Funded Mortgage Volume
Growth Strategy Core Focus: Grow Funded Mortgage Volume Total Mortgage Brokers CAD billions Funded Mortgage $100B 9,023 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: 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 15: Q2 2026 Highlights: FMV Growth Supports Resilient Performance
Q2 2026 Highlights: FMV Growth Supports Quarter Ended June 30, 2026 June 30, 2025 % Change Resilient Performance Funded Mortgage Volume $22.1 B $21.1 B 5% FMV increased by 5% in Q2 2026 driven by higher Revenue $24.9 M $24.6 M 1% broker productivity. Revenue increased 1% as higher FMV was partly
Slide 16: Capital Allocation Supported by Strong Cash Flow & Balance Sheet
Capital Allocation Supported by Strong Cash Flow & Balance June 30, 2026 June 30, 2025 Sheet Six months ended Free Cash Flow2 $17.0 M $17.4 M DLCG’s strong balance sheet is well positioned to support the Company’s capital allocation priorities: Cash $2.8 M $3.8 M Growth: Grow both organically thro
Slide 17: 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 18: TSX: DLCG dlcg.ca
dies MORTGAGE GROUP TSX: DLCG dicg.ca
Dominion Lending Centres — Q2 2026 Earnings Presentation on 6ix