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LCS.TO (LCS) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of LCS.TO C$24.94, price C$12.30, upside +102.8%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · CA · ISIN CA1122161062

LT Broad data Sep 23, 2026

LCS.TO

LCS · TO

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value C$24.94 · Strongly undervalued (+103%)
!Quality 52/100
!Mixed Growth
✓Highly profitable · 83.3% net margin (TTM)
!negative free cash flow
·7.32% dividend yield
✓Ranks above peers (10/12)
✓Wide moat 87/100
!Insider activity 45/100
!The models disagree: range C$13.05 to C$59.69
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

C$12.84 C$1.28 Fair Value C$24.94 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range C$1.28 – C$12.84 · fair‑value band C$13.05 – C$59.69 · the C$12.30 price screens below the C$24.94 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

Brompton Lifeco Split Corp. is a close-ended equity mutual fund launched and managed by Brompton Funds Limited. The fund invests in the public equity markets of Canada. It invests in companies primarily engaged in the life insurance sector.

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Brompton Lifeco Split Corp. is a close-ended equity mutual fund launched and managed by Brompton Funds Limited. The fund invests in the public equity markets of Canada. It invests in companies primarily engaged in the life insurance sector. The fund benchmarks the performance of its portfolio against the S&P/TSX Capped Financials Index and S&P/TSX Composite Index. Brompton Lifeco Split Corp. was formed on January 19, 2007 and is domiciled in Canada.

Stock analysis

LCS.TO (LCS) currently trades at C$12.30, while our model-based Fair Value estimate is C$24.94, implying the stock looks roughly 50.7% undervalued today.

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Valuation

Bull case: the Earnings-Based group reads highest at a median of C$88.73 per share, and 5 of the 8 models we run sit above the C$12.30 price.

Bear case: the Asset-Based group reads lowest at C$7.03, and 3 of the 8 models stay below the price. Evidence for this calculation is high.

Scenario range: C$13.05 (bear) to C$59.69 (bull), the price of C$12.30 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.

Mixed Growth: Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.

LCS.TO reported revenue of C$9.2M in FY2025 versus C$18.8M in FY2021, a compound −16.3%/yr. Reported net income was C$28.4M in FY2025, compounding +11.2%/yr from FY2021.

Key figures

Market cap C$99.1M (≈ $70.2M) · P/E ratio 3.8 · P/S ratio 11.8 · EPS (TTM) C$3.23 · Dividend yield 7.3% · Net margin 83.3% · Return on equity 35.7% · Return on assets (EBIT) 16.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).

What moves the price

The share trades about 4% below its 52-week high and 104% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −4% fair-value upside, at 103%, LCS screens cheaper than that median.

Fair Value models

Bear C$13.05 Fair Value C$24.94 Bull C$59.69
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (C$1.71 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Gordon GGM C$5.29 C$8.86 C$11.50 68
DDM Multi-Stage C$5.29 C$8.40 C$9.53 67
Residual Income C$17.80 C$25.40 C$154.65 64
All 8 models by family
Earnings-Based
Graham-Dodd C$22.29 C$155.44 C$218.14 63
Lynch FV C$62.11 C$88.73 C$115.35 61
Dividend Discount
Gordon GGM C$5.29 C$8.86 C$11.50 68
DDM Multi-Stage C$5.29 C$8.40 C$9.53 67
Multiples
P/E Multiple C$31.96 C$42.61 C$53.26 63
P/B Multiple C$11.01 C$14.68 C$18.36 55
Asset-Based
NCAV (Graham) C$5.24 C$7.03 C$10.49 51
Economic Profit
Residual Income C$17.80 C$25.40 C$154.65 64

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Quality Score breakdown

Overall quality 52/100

Of which business quality 48 · Market factors (momentum, volatility) 76

Profitability 61
Margins and returns on capital today
Quality Growth 35
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 48
Balance sheet, leverage, solvency risk
Investment 54
Disciplined investing over empire-building
Low Volatility 41
Calm price path (market factor)
Momentum 88
Price trend over the last 3–12 months (market factor)
52W Momentum 96
Distance to the 52-week high (market factor)
Net Issuance 59
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 55/100
Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+5.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−2.1%
Dividend (yield on the price)7.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−2% vs 26%, slowing
Profit margin 2019 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.99% → 358%
Start year 2020 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Asset Management · 659 stocks

Beats the industry median on 10/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside +103% · Top 25%
Profitability
Return on equity (TTM) 36% · Top 25%
Return on assets 13% · Top 25%
Net margin (TTM) 83% · Top 25%
Operating margin (TTM) 97% · Top 25%
Growth and dividend
Revenue growth −27% · Bottom 25%
Dividend yield (TTM) 7.3% · Top 25%

Valuation Multiplesvs Asset Management median · lower = cheaper

P/E (TTM) 3.8× · Cheapest 25%
P/B 0.77× · Cheaper than median
P/S (TTM) 2.06× · Cheaper than median
EV/EBITDA 2.1× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 55
FUTURE (revenue growth)0 · sector 20
PAST (return on equity)100 · sector 22
HEALTH (low debt)0 · sector 95
DIVIDEND (yield)100 · sector 80

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Asset Management stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Blackstone Inc BX $124.01 $52.88 −57%
Brookfield Corporation BN $37.85 $13.75 −64%
KKR & Co KKR $98.44 $19.97 −80%
Apollo Global Management, Inc APO $124.15 $229.64 +85%
State Street Corporation STT $180.25 $138.33 −23%
Ameriprise Financial, Inc AMP $512.37 $579.51 +13%
Ares Management Corporation ARES $124.72 $119.25 −4%
Northern Trust Corporation NTRS $173.40 $122.02 −30%
Raymond James Financial, Inc RJF $159.39 $312.27 +96%
T. Rowe Price Group TROW $104.17 $208.34 +100%

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LCS.TO · Fair Value
C$24.94 +51%Fair Value
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Cite: Fair Value Calculator (2026). "LCS.TO Fair Value". https://www.fairvalue-calculator.com/stock/LCS

Frequently asked questions

Is LCS.TO (LCS) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of C$24.94 versus a price of C$12.30, about +103% upside (undervalued).
What is the fair value of LCS?
Our model-based fair value for LCS.TO is C$24.94 (as of Sep 23, 2026), built from audited fundamentals. The current price: C$12.30.
What is the quality score of LCS?
LCS.TO has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for LCS.TO (LCS)?
Our model-based price target is the fair value of C$24.94 (as of Sep 23, 2026) from 8 valuation models. Cautious scenario C$13.05, optimistic scenario C$59.69. It is a calculation from audited fundamentals, not an analyst target.
What is the LCS.TO stock forecast for 2026?
Our models put fair value at C$24.94, about +103% upside versus a price of C$12.30 (undervalued). Cautious scenario C$13.05, optimistic scenario C$59.69. The calculation is refreshed regularly with new filings.
Does LCS.TO pay a dividend?
LCS.TO currently shows a dividend yield of about 7.32% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of LCS.TO (LCS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For LCS.TO it is C$24.94 per share (as of Sep 23, 2026), against a price of C$12.30. It is the blended result of 8 valuation models (cash flow, earnings, asset, dividend).
Is LCS.TO stock overvalued or undervalued in 2026?
As of Sep 23, 2026, LCS trades below its calculated fair value: price C$12.30, fair value C$24.94, a gap of about +103% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of LCS?
No. The price is what the market pays today (C$12.30); the fair value is what the company's own numbers justify (C$24.94). For LCS.TO the two are C$12.64 per share apart. That gap is exactly why we show both numbers side by side.
How much is LCS.TO worth?
The market values LCS.TO at about C$99.1M (market capitalisation, as of Sep 23, 2026). Per share that is C$12.30; our models calculate a fair value of C$24.94 per share.
What do the bullish and bearish scenarios say about LCS?
Our models span a range for LCS.TO: cautious scenario C$13.05, base C$24.94, optimistic C$59.69 per share (as of Sep 23, 2026, price C$12.30). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LCS?
LCS.TO trades at a price-to-earnings ratio of 3.8 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of C$24.94 is built from several models across several years. Other multiples: P/B 0.8, P/S 2.1, EV/EBITDA 2.1.
How solid is the balance sheet of LCS.TO (LCS)?
Balance-sheet figures for LCS.TO (as of Sep 23, 2026): return on equity 35.7%. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is LCS from its 52-week high?
LCS.TO trades at C$12.30, about 4% below its 52-week high of C$12.84 and 104% above the low of C$6.03 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of C$24.94 is for.
Which stocks are comparable to LCS.TO?
From the same area (Financial Services) we also value Blackstone Inc, Brookfield Corporation, KKR & Co, Apollo Global Management, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is LCS.TO stock attractive at the current price?
The data as of Sep 23, 2026: price C$12.30, calculated fair value C$24.94 (+103%), Quality Score 52/100, from 8 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of LCS calculated?
We run LCS.TO through 8 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of C$24.94, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. LCS.TO currently trades 103 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of LCS.TO (LCS)?
The closing price on Sep 23, 2026 was C$12.30. Our model-based fair value is C$24.94, about +103% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with LCS.TO right now?
The price is below even our cautious bear case (C$13.05). The market is more pessimistic than our downside scenario. The model range is unusually wide (C$13.05 to C$59.69). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of LCS.TO (LCS) come from?
Earnings per share at LCS.TO grew +4.9 % a year from 2012 to 2023. Broken into its drivers: revenue per share +3.8 %, EBIT margin +1.1 %, tax rate −0.4 %, residual (interest, one-offs) +0.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of LCS.TO

How large is the market capitalisation of LCS.TO (LCS)?
The market capitalisation of LCS.TO is C$99.1M (≈ $70.2M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of LCS.TO (LCS)?
The price-to-sales ratio of LCS.TO is 11.8 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of LCS.TO (LCS)?
Earnings per share at LCS.TO are C$3.23 (price ÷ EPS = P/E 3.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of LCS.TO (LCS)?
The dividend yield of LCS.TO is 7.3% (payout 27.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of LCS.TO (LCS)?
The net margin of LCS.TO is 83.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of LCS.TO (LCS)?
The return on equity (ROE) of LCS.TO is 35.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of LCS.TO (LCS)?
On an EBIT basis the return on assets of LCS.TO is 16.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of LCS.TO (LCS)?
The operating margin of LCS.TO is 97.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at LCS.TO (LCS)?
Revenue at LCS.TO is growing −27.1% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at LCS.TO (LCS)?
Earnings per share at LCS.TO are growing −35.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does LCS.TO (LCS) generate?
The free cash flow of LCS.TO is −C$863K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does LCS.TO (LCS) carry?
The net debt of LCS.TO is C$72.4M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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