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Asset Manager ← All Institutions

Cardinal Point Capital Management ULC

3280 BLOOR STREET WEST CENTRE TOWER, SUITE 500, TORONTO, A6 M8X 2X3 • 866-213-2036

Q4 2025 · Filed 2026-02-05
Market Value
$1.5B
+7.0%
Holdings
283
+9
New Purchases
22
Added To
105
Closed
28
Reduced
78
Top 10 Concentration
45.2%
Turnover
17.7%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
MINO 1.66% 0.13% +1.53% $25M
SUNC 0.66% 0.00% +0.66% $10M
SCHW 0.34% 0.00% +0.34% $5M
GOOG 2.11% 1.84% +0.27% $32M
TD 1.84% 1.68% +0.16% $28M
RY 2.22% 2.06% +0.16% $34M
TFLO 1.29% 1.14% +0.15% $20M
GOOGL 0.70% 0.57% +0.13% $11M
MFC 1.11% 0.99% +0.12% $17M
FDX 0.55% 0.46% +0.09% $8M
NEM 0.92% 0.83% +0.09% $14M
VGIT 4.28% 4.19% +0.09% $65M
CSCO 1.23% 1.16% +0.08% $19M
BNS 1.07% 0.99% +0.07% $16M
MPC 0.06% 0.00% +0.06% $847K

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
EMRAF 0.00% 0.72% -0.72% $0
WTW 0.00% 0.62% -0.62% $0
ORCL 0.89% 1.31% -0.42% $14M
USFR 4.74% 5.04% -0.29% $72M
VTI 12.79% 13.07% -0.27% $195M
MTD 0.00% 0.16% -0.16% $0
ENB 1.03% 1.16% -0.13% $16M
CMCSA 0.34% 0.47% -0.13% $5M
OTEX 0.55% 0.68% -0.13% $8M
MUB 2.50% 2.62% -0.12% $38M
BMO 1.52% 1.62% -0.10% $23M
LRGF 3.37% 3.47% -0.09% $51M
AAPL 4.89% 4.96% -0.07% $75M
COST 0.45% 0.51% -0.06% $7M
DBMF 2.14% 2.20% -0.06% $33M

Sector Allocation Over Time

Industry Breakdown

IndustryWeight
Financial Services 65.6%
Technology 10.5%
Energy 5.4%
Communication Services 4.4%
Consumer Defensive 3.9%

Market Cap Concentration

TierHoldingsValueWeight
Mega Cap 54 $572M 37.5%
Large Cap 148 $734M 48.2%
Mid Cap 48 $140M 9.2%
Small Cap 26 $73M 4.8%
Micro Cap 7 $5M 0.3%

Portfolio Analytics

Avg Market Cap
$216.4B
Median Market Cap
$43.9B
Avg P/E
28.8
Median P/E
22.2
Avg Dividend Yield
0.02%
Avg Beta
0.95
# Stocks
187
# ETFs / Funds
96

Top Holdings (283 total)

# Symbol % Port Shares Value Avg Price Q/Q Value Chg Share Chg Chg % Status
1 VTI 12.79% 581,804 $195M $335.27 $9M +12,230 +2.1%
2 AAPL 4.89% 274,167 $75M $271.86 $4M -4,187 -1.5%
3 USFR 4.74% 1,436,883 $72M $50.32 $538K +10,977 +0.8%
4 VGIT 4.28% 1,088,041 $65M $59.93 $5M +97,007 +9.8%
5 DFAX 3.95% 1,842,315 $60M $32.73 $4M +52,223 +2.9%
6 VEU 3.93% 814,585 $60M $73.56 $4M +34,880 +4.5%
7 LRGF 3.37% 741,187 $51M $69.43 $2M +18,431 +2.5%
8 DFAC 2.52% 969,697 $38M $39.59 $3M +35,598 +3.8%
9 MUB 2.50% 356,448 $38M $107.11 $782K +6,978 +2.0%
10 RY 2.22% 198,039 $34M $170.72 $4M -1,042 -0.5%
11 DBMF 2.14% 1,164,616 $33M $28.06 $1M +41,605 +3.7%
12 GOOG 2.11% 102,541 $32M $313.80 $6M -5,146 -4.8%
13 PYLD 1.89% 1,074,809 $29M $26.81 $2M +77,634 +7.8%
14 TD 1.84% 296,898 $28M $94.38 $4M -1,742 -0.6%
15 MINO 1.66% 555,458 $25M $45.47 $23M +515,858 +1302.7%
16 IAU 1.59% 298,440 $24M $81.17 $991K -1,616 -0.5%
17 BMO 1.52% 178,488 $23M $130.05 $97K +1,041 +0.6%
18 TFLO 1.29% 388,922 $20M $50.46 $3M +67,195 +20.9%
19 JPM 1.27% 60,166 $19M $322.22 $630K +703 +1.2%
20 WMT 1.25% 170,480 $19M $111.42 $2M +5,672 +3.4%
21 CSCO 1.23% 244,165 $19M $77.03 $2M +2,929 +1.2%
22 SU 1.15% 395,317 $18M $44.45 $1M +8,998 +2.3%
23 MFC 1.11% 464,665 $17M $36.36 $3M +11,329 +2.5%
24 BNS 1.07% 219,961 $16M $73.86 $2M +971 +0.4%
25 JNJ 1.04% 76,385 $16M $206.95 $2M +728 +1.0%
26 ENB 1.03% 327,831 $16M $47.92 -$870K -907 -0.3%
27 NEM 0.92% 140,490 $14M $99.85 $2M +30 +0.0%
28 TRP 0.92% 254,100 $14M $55.14 $290K +1,657 +0.7%
29 MSFT 0.90% 28,504 $14M $483.62 $150K +2,133 +8.1%
30 ORCL 0.89% 69,582 $14M $194.91 -$5M +3,149 +4.7%
31 BRK-B 0.87% 26,399 $13M $502.65 $120K -90 -0.3%
32 CNI 0.86% 132,473 $13M $99.04 $1M +8,047 +6.5%
33 GDX 0.86% 152,671 $13M $85.77 $1M -1,774 -1.1%
34 RCI 0.81% 328,047 $12M $37.80 $1M -2,283 -0.7%
35 PM 0.80% 76,370 $12M $160.44 $1M +7,584 +11.0%
36 AEM 0.77% 69,386 $12M $169.82 -$70K -1,010 -1.4%
37 IBM 0.72% 36,991 $11M $296.21 $610K +320 +0.9%
38 GOOGL 0.70% 34,200 $11M $313.00 $3M +812 +2.4%
39 GIB 0.68% 112,078 $10M $92.50 $805K +4,695 +4.4%
40 PEP 0.67% 71,217 $10M $143.52 $498K +1,985 +2.9%
41 SUNC 0.66% 204,153 $10M $49.28 +204,153 NEW
42 CVS 0.64% 122,555 $10M $79.36 $384K -1,365 -1.1%
43 FTLS 0.63% 135,565 $10M $70.99 $855K +8,241 +6.5%
44 BBU 0.55% 236,389 $8M $35.44 $652K +825 +0.3%
45 OTEX 0.55% 256,484 $8M $32.61 -$1M -1,655 -0.6%
46 FDX 0.55% 28,842 $8M $288.86 $2M +1,289 +4.7%
47 DFSU 0.54% 190,293 $8M $43.43 $328K +1,420 +0.8%
48 PFE 0.53% 323,657 $8M $24.90 $51K +9,385 +3.0%
49 V 0.52% 22,604 $8M $350.70 $279K +220 +1.0%
50 TSLA 0.51% 17,340 $8M $449.72 $213K -39 -0.2%
51 CNQ 0.51% 228,221 $8M $33.92 $730K +8,890 +4.0%
52 AMZN 0.49% 32,674 $8M $230.82 $1M +3,550 +12.2%
53 NVDA 0.47% 38,079 $7M $186.50 $222K +1,348 +3.7%
54 COST 0.45% 7,880 $7M $862.39 -$452K +56 +0.7%
55 KVUE 0.34% 303,690 $5M $17.25 -$244K -34,092 -10.1%
56 SCHW 0.34% 52,034 $5M $99.91 +52,034 NEW
57 CMCSA 0.34% 173,370 $5M $29.89 -$2M -39,405 -18.5%
58 VGT 0.31% 6,185 $5M $753.78 -$19K -12 -0.2%
59 DIS 0.30% 40,668 $5M $113.77 -$87K -497 -1.2%
60 BBUC 0.28% 119,133 $4M $35.79 $442K +5,255 +4.6%
61 CVE 0.27% 243,739 $4M $16.94 -$23K -895 -0.4%
62 FIX 0.27% 4,397 $4M $933.29 $413K -75 -1.7%
63 VTRS 0.27% 327,681 $4M $12.45 $841K +581 +0.2%
64 MCD 0.25% 12,539 $4M $305.63 $246K +737 +6.2%
65 SPY 0.23% 5,232 $4M $683.05 $127K +52 +1.0%
66 QQQ 0.22% 5,352 $3M $614.31 -$432K -821 -13.3%
67 DFSI 0.21% 74,795 $3M $42.84 $250K +2,349 +3.2%
68 CM 0.18% 29,449 $3M $90.79 $318K -36 -0.1%
69 VOO 0.17% 4,237 $3M $627.13 $150K +125 +3.0%
70 BN 0.16% 52,106 $2M $45.98 -$18K +16,911 +48.0%
71 AGI 0.15% 60,092 $2M $38.67 $230K
72 TU 0.15% 174,338 $2M $13.20 -$288K +9,920 +6.0%
73 GLW 0.15% 26,222 $2M $87.56 $88K -700 -2.6%
74 EQX 0.15% 159,075 $2M $14.07 $394K -5,650 -3.4%
75 NKE 0.15% 34,902 $2M $63.71 -$104K +1,525 +4.6%
76 EAOR 0.14% 61,660 $2M $35.34 $24K -205 -0.3%
77 BAC 0.14% 38,848 $2M $55.00 $216K +692 +1.8%
78 TAC 0.14% 168,411 $2M $12.67 -$114K +3,826 +2.3%
79 META 0.14% 3,210 $2M $660.09 -$534K -429 -11.8%
80 SLF 0.14% 33,241 $2M $62.51 $159K +1,272 +4.0%
81 SUSB 0.13% 80,278 $2M $25.24 $51K +2,195 +2.8%
82 ITA 0.13% 9,170 $2M $214.69 $50K
83 EL 0.13% 18,475 $2M $104.72 $449K +1,615 +9.6%
84 C 0.13% 16,439 $2M $116.69 $141K -1,068 -6.1%
85 YETI 0.12% 41,845 $2M $44.17 $470K +300 +0.7%
86 NGD 0.12% 205,600 $2M $8.73 $322K
87 NFLX 0.12% 18,850 $2M $93.76 -$435K +17,021 +930.6%
88 CDNS 0.11% 5,550 $2M $312.58 -$260K -130 -2.3%
89 XLK 0.11% 11,608 $2M $143.96 $98K +6,041 +108.5%
90 CRBN 0.11% 6,998 $2M $230.54 $13K -84 -1.2%
91 UNH 0.10% 4,796 $2M $330.11 $214K +830 +20.9%
92 ABBV 0.10% 6,870 $2M $228.49 $49K +300 +4.6%
93 VZ 0.10% 37,496 $2M $40.73 -$112K +200 +0.5%
94 BRK-A 0.10% 2 $2M $754,800.00 $33K
95 PYPL 0.10% 25,470 $1M $58.38 $282K +7,500 +41.7%
96 IVV 0.10% 2,138 $1M $684.91 $76K +54 +2.6%
97 HD 0.09% 4,154 $1M $344.09 $277K +1,310 +46.1%
98 BCE 0.09% 59,687 $1M $23.89 $15K -683 -1.1%
99 CL 0.09% 17,960 $1M $79.02 $9K +53 +0.3%
100 XOM 0.09% 11,526 $1M $120.34 $556K +4,141 +56.1%

New Positions

SymbolValue% Port
SUNC $10M 0.66%
SCHW $5M 0.34%
MPC $847K 0.06%
VNQ $655K 0.04%
RSG $613K 0.04%
XLE $470K 0.03%
VTV $385K 0.03%
TECK $379K 0.02%
GIL $376K 0.02%
BSV $330K 0.02%
VO $277K 0.02%
QXO $264K 0.02%
CVNA $253K 0.02%
PSX $239K 0.02%
COF $228K 0.01%

Sold Out Positions

SymbolValue% Port
ZTS —%
APD —%
MTD —%
FLO —%
MOS —%
BP —%
NVS —%
DEO —%
MDT —%
ASML —%
INTC —%
CPB —%
HON —%
MELI —%
INDA —%
View SEC EDGAR Filings for Cardinal Point Capital Management ULC →

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms