FIRM CAP MTG INV CORP (FC-DB-I.CA) Stock Price, Forecast & Analysis
Canada - TSX:FC-DB-I - CA318323AK87
100.03 CAD
0 (0%)
Overall FC-DB-I gets a fundamental rating of 3 out of 10. We evaluated FC-DB-I against 27 industry peers in the Financial Services industry. While FC-DB-I is still in line with the averages on profitability rating, there are concerns on its financial health. FC-DB-I is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year FC-DB-I was profitable.
FC-DB-I had a negative operating cash flow in the past year.
FC-DB-I had positive earnings in each of the past 5 years.
FC-DB-I had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 5.58%, FC-DB-I is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
Looking at the Return On Equity, with a value of 8.32%, FC-DB-I is in line with its industry, outperforming 53.33% of the companies in the same industry.
FC-DB-I's Return On Invested Capital of 5.56% is in line compared to the rest of the industry. FC-DB-I outperforms 53.33% of its industry peers.
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 5.03%.
The 3 year average ROIC (5.27%) for FC-DB-I is below the current ROIC(5.56%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
FC-DB-I has a better Profit Margin (51.33%) than 80.00% of its industry peers.
FC-DB-I's Profit Margin has declined in the last couple of years.
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.
FC-DB-I has a Gross Margin of 72.66%. This is in the better half of the industry: FC-DB-I outperforms 73.33% of its industry peers.
In the last couple of years the Gross Margin of FC-DB-I has grown nicely.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
Compared to 1 year ago, FC-DB-I has more shares outstanding
The number of shares outstanding for FC-DB-I has been increased compared to 5 years ago.
The debt/assets ratio for FC-DB-I is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 10.85 indicates that FC-DB-I is not in any danger for bankruptcy at the moment.
With a decent Altman-Z score value of 10.85, FC-DB-I is doing good in the industry, outperforming 80.00% of the companies in the same industry.
FC-DB-I has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.47, FC-DB-I is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 10.85 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.11 indicates that FC-DB-I may have some problems paying its short term obligations.
With a Current ratio value of 0.11, FC-DB-I is not doing good in the industry: 63.33% of the companies in the same industry are doing better.
FC-DB-I has a Quick 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.
The Quick ratio of FC-DB-I (0.11) is worse than 63.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 0.61% over the past year.
Measured over the past years, FC-DB-I shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.04% on average per year.
FC-DB-I shows a decrease in Revenue. In the last year, the revenue decreased by -4.55%.
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.
Based on estimates for the next years, FC-DB-I will show a decrease in Revenue. The Revenue will decrease by -8.26% on average per year.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
FC-DB-I is valuated quite expensively with a Price/Earnings ratio of 101.04.
Compared to the rest of the industry, the Price/Earnings ratio of FC-DB-I is on the same level as its industry peers.
FC-DB-I's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.67.
The Price/Forward Earnings ratio is 97.12, which means the current valuation is very expensive for FC-DB-I.
FC-DB-I's Price/Forward Earnings ratio is in line with the industry average.
FC-DB-I's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 31.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 101.04 | ||
| Fwd PE | 97.12 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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
5. Dividend
5.1 Amount
FC-DB-I has a Yearly Dividend Yield of 7.77%, which is a nice return.
Compared to an average industry Dividend Yield of 6.94, FC-DB-I has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, FC-DB-I pays a better dividend.
| Industry Rank | Sector 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
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)
Earnings (Next)
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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
FIRM CAP MTG INV CORP / FC-DB-I.CA FAQ
Can you describe the business of FIRM CAP MTG INV CORP?
Firm Capital Mortgage Investment Corp. is a non-bank lender, which engages in the investment in short-term residential and commercial real estate mortgage loans and real estate related debt investments. The company is headquartered in Toronto, Ontario and currently employs 1 full-time employees. The Company, through its mortgage banker, Firm Capital Corporation, is a non-bank lender providing residential and commercial short-term bridge and conventional real estate financing, including construction, mezzanine and equity investments. The Company’s investment objective is the preservation of shareholders’ equity, while providing shareholders with a stable stream of monthly dividends from investments. The company achieves its investment objectives through investments in selected niche markets that are under-serviced by large lending institutions. Its investment categories include conventional first mortgages, conventional non-first mortgages, related debt investments, debtor-in-possession loans, marketable securities and non-conventional mortgages. The Company’s mortgage banker provides loan origination, underwriting, loan servicing and syndication services.
What is the stock price of FIRM CAP MTG INV CORP today?
The current stock price of FC-DB-I.CA is 100.03 CAD.
What is the ChartMill technical and fundamental rating of FC-DB-I stock?
FC-DB-I.CA has a ChartMill Technical rating of 7 out of 10 and a ChartMill Fundamental rating of 3 out of 10.
Where is FIRM CAP MTG INV CORP (FC-DB-I.CA) stock traded?
FC-DB-I.CA stock is listed on the Toronto Stock Exchange exchange.
Would investing in FIRM CAP MTG INV CORP be a good decision?
This depends on your investment goals. Check the Technical and Fundamental Analysis tabs for insights on FC-DB-I.CA.