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FIRM CAP MTG INV CORP (FC-DB-I.CA) Stock Overview

Canada - TSX:FC-DB-I - CA318323AK87

100.03 CAD
0 (0%)
Last: 5/8/2025, 7:00:00 PM
Fundamental Rating

3

Overall FC-DB-I gets a fundamental rating of 3 out of 10. We evaluated FC-DB-I against 28 industry peers in the Financial Services industry. There are concerns on the financial health of FC-DB-I while its profitability can be described as average. FC-DB-I is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

FC-DB-I had positive earnings in the past year.
In the past year FC-DB-I has reported a negative cash flow from operations.
FC-DB-I had positive earnings in each of the past 5 years.
Of the past 5 years FC-DB-I 4 years had a positive operating cash flow.
FC-DB-I.CA Yearly Net Income VS EBIT VS OCF VS FCFFC-DB-I.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M

1.2 Ratios

With a decent Return On Assets value of 5.58%, FC-DB-I is doing good in the industry, outperforming 80.00% of the companies in the same industry.
FC-DB-I has a Return On Equity (8.32%) which is in line with its industry peers.
Looking at the Return On Invested Capital, with a value of 5.56%, FC-DB-I is in line with its industry, outperforming 53.33% of the companies in the same industry.
FC-DB-I had an Average Return On Invested Capital over the past 3 years of 5.27%. This is in line with the industry average of 4.85%.
The last Return On Invested Capital (5.56%) for FC-DB-I is above the 3 year average (5.27%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 5.58%
ROE 8.32%
ROIC 5.56%
ROA(3y)5.43%
ROA(5y)5.14%
ROE(3y)8.32%
ROE(5y)8.09%
ROIC(3y)5.27%
ROIC(5y)4.6%
FC-DB-I.CA Yearly ROA, ROE, ROICFC-DB-I.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

FC-DB-I has a better Profit Margin (51.33%) than 80.00% of its industry peers.
In the last couple of years the Profit Margin of FC-DB-I has declined.
Looking at the Operating Margin, with a value of 70.17%, FC-DB-I is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
FC-DB-I's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 72.66%, FC-DB-I is in the better half of the industry, outperforming 73.33% of the companies in the same industry.
In the last couple of years the Gross Margin of FC-DB-I has grown nicely.
Industry RankSector Rank
OM 70.17%
PM (TTM) 51.33%
GM 72.66%
OM growth 3Y2.26%
OM growth 5Y2.23%
PM growth 3Y-6.4%
PM growth 5Y-2.8%
GM growth 3Y2.15%
GM growth 5Y2.11%
FC-DB-I.CA Yearly Profit, Operating, Gross MarginsFC-DB-I.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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2

2. Health

2.1 Basic Checks

Compared to 1 year ago, FC-DB-I has more shares outstanding
FC-DB-I has more shares outstanding than it did 5 years ago.
The debt/assets ratio for FC-DB-I is higher compared to a year ago.
FC-DB-I.CA Yearly Shares OutstandingFC-DB-I.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
FC-DB-I.CA Yearly Total Debt VS Total AssetsFC-DB-I.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.2 Solvency

FC-DB-I has an Altman-Z score of 10.85. This indicates that FC-DB-I is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of FC-DB-I (10.85) is better than 80.00% of its industry peers.
FC-DB-I has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
FC-DB-I has a better Debt to Equity ratio (0.47) than 70.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF N/A
Altman-Z 10.85
ROIC/WACCN/A
WACCN/A
FC-DB-I.CA Yearly LT Debt VS Equity VS FCFFC-DB-I.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

2.3 Liquidity

FC-DB-I has a Current Ratio of 0.11. This is a bad value and indicates that FC-DB-I is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.11, FC-DB-I is doing worse than 63.33% of the companies in the same industry.
A Quick Ratio of 0.11 indicates that FC-DB-I may have some problems paying its short term obligations.
FC-DB-I has a worse Quick ratio (0.11) than 63.33% of its industry peers.
Industry RankSector Rank
Current Ratio 0.11
Quick Ratio 0.11
FC-DB-I.CA Yearly Current Assets VS Current LiabilitesFC-DB-I.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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2

3. Growth

3.1 Past

FC-DB-I shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.61%.
FC-DB-I shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.04% yearly.
The Revenue has decreased by -4.55% in the past year.
The Revenue has been growing slightly by 7.71% on average over the past years.
EPS 1Y (TTM)0.61%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%2.9%
Revenue 1Y (TTM)-4.55%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-10.64%

3.2 Future

The Earnings Per Share is expected to grow by 2.91% on average over the next years.
The Revenue is expected to decrease by -8.26% on average over the next years.
EPS Next Y3.83%
EPS Next 2Y2.91%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-10.67%
Revenue Next 2Y-8.26%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FC-DB-I.CA Yearly Revenue VS EstimatesFC-DB-I.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M
FC-DB-I.CA Yearly EPS VS EstimatesFC-DB-I.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 101.04, which means the current valuation is very expensive for FC-DB-I.
The rest of the industry has a similar Price/Earnings ratio as FC-DB-I.
FC-DB-I is valuated expensively when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 97.12, which means the current valuation is very expensive for FC-DB-I.
The rest of the industry has a similar Price/Forward Earnings ratio as FC-DB-I.
FC-DB-I's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 23.33.
Industry RankSector Rank
PE 101.04
Fwd PE 97.12
FC-DB-I.CA Price Earnings VS Forward Price EarningsFC-DB-I.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
FC-DB-I.CA Per share dataFC-DB-I.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The decent profitability rating of FC-DB-I may justify a higher PE ratio.
PEG (NY)26.38
PEG (5Y)N/A
EPS Next 2Y2.91%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.77%, FC-DB-I is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.69, FC-DB-I has a dividend in line with its industry peers.
FC-DB-I's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 7.77%

5.2 History

The dividend of FC-DB-I decreases each year by -0.40%.
FC-DB-I is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)-0.4%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

98.91% of the earnings are spent on dividend by FC-DB-I. This is not a sustainable payout ratio.
DP98.91%
EPS Next 2Y2.91%
EPS Next 3YN/A
FC-DB-I.CA Yearly Income VS Free CF VS DividendFC-DB-I.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M
FC-DB-I.CA Dividend Payout.FC-DB-I.CA Dividend Payout, showing the Payout Ratio.FC-DB-I.CA Dividend Payout.PayoutRetained Earnings

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FIRM CAP MTG INV CORP

TSX:FC-DB-I (5/8/2025, 7:00:00 PM)

100.03

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-13 2025-05-13
Earnings (Next)08-07 2025-08-07
Inst Owners2.08%
Inst Owner ChangeN/A
Ins Owners2.28%
Ins Owner ChangeN/A
Market Cap3.68B
Revenue(TTM)68.63M
Net Income(TTM)35.23M
Analysts84
Price Target117.23 (17.19%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.77%
Yearly Dividend0.98
Dividend Growth(5Y)-0.4%
DP98.91%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.62%
Min EPS beat(2)-13.31%
Max EPS beat(2)-1.92%
EPS beat(4)0
Avg EPS beat(4)-5.06%
Min EPS beat(4)-13.31%
Max EPS beat(4)-0.91%
EPS beat(8)1
Avg EPS beat(8)-4.15%
EPS beat(12)1
Avg EPS beat(12)-5.62%
EPS beat(16)2
Avg EPS beat(16)-4.65%
Revenue beat(2)1
Avg Revenue beat(2)1.22%
Min Revenue beat(2)-2.91%
Max Revenue beat(2)5.34%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.81%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.59%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 101.04
Fwd PE 97.12
P/S 53.55
P/FCF N/A
P/OCF N/A
P/B 8.68
P/tB 8.68
EV/EBITDA N/A
EPS(TTM)0.99
EY0.99%
EPS(NY)1.03
Fwd EY1.03%
FCF(TTM)-0.37
FCFYN/A
OCF(TTM)-0.37
OCFYN/A
SpS1.87
BVpS11.52
TBVpS11.52
PEG (NY)26.38
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 5.58%
ROE 8.32%
ROCE 8.65%
ROIC 5.56%
ROICexc 5.56%
ROICexgc 5.56%
OM 70.17%
PM (TTM) 51.33%
GM 72.66%
FCFM N/A
ROA(3y)5.43%
ROA(5y)5.14%
ROE(3y)8.32%
ROE(5y)8.09%
ROIC(3y)5.27%
ROIC(5y)4.6%
ROICexc(3y)5.31%
ROICexc(5y)4.62%
ROICexgc(3y)5.31%
ROICexgc(5y)4.62%
ROCE(3y)8%
ROCE(5y)7.07%
ROICexgc growth 3Y16%
ROICexgc growth 5Y4.26%
ROICexc growth 3Y16%
ROICexc growth 5Y4.26%
OM growth 3Y2.26%
OM growth 5Y2.23%
PM growth 3Y-6.4%
PM growth 5Y-2.8%
GM growth 3Y2.15%
GM growth 5Y2.11%
F-Score3
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 3.83
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.11
Quick Ratio 0.11
Altman-Z 10.85
F-Score3
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.61%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%2.9%
EPS Next Y3.83%
EPS Next 2Y2.91%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.55%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-10.64%
Revenue Next Year-10.67%
Revenue Next 2Y-8.26%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-2.8%
EBIT growth 3Y15.28%
EBIT growth 5Y10.11%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-121.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-121.68%
OCF growth 3YN/A
OCF growth 5YN/A