FIRM CAP MTG INV CORP (FC-DB-I.CA) Stock Price, Forecast & Analysis
Canada - TSX:FC-DB-I - CA318323AK87
100.03 CAD
0 (0%)
Taking everything into account, FC-DB-I scores 3 out of 10 in our fundamental rating. FC-DB-I was compared to 27 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.
1. Profitability
1.1 Basic Checks
In the past year FC-DB-I was profitable.
In the past year FC-DB-I has reported a negative cash flow from operations.
In the past 5 years FC-DB-I has always been profitable.
FC-DB-I had a positive operating cash flow in 4 of the past 5 years.
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.
FC-DB-I has a Return On Invested Capital of 5.56%. This is comparable to the rest of the industry: FC-DB-I outperforms 53.33% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FC-DB-I is in line with the industry average of 5.55%.
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
With a decent Profit Margin value of 51.33%, FC-DB-I is doing good in the industry, outperforming 80.00% of the companies in the same industry.
In the last couple of years the Profit Margin of FC-DB-I has declined.
FC-DB-I's Operating Margin of 70.17% is fine compared to the rest of the industry. FC-DB-I outperforms 66.67% of its industry peers.
FC-DB-I's Operating Margin has improved in the last couple of years.
The Gross Margin of FC-DB-I (72.66%) is better than 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
The number of shares outstanding for FC-DB-I has been increased compared to 1 year ago.
FC-DB-I has more shares outstanding than it did 5 years ago.
FC-DB-I has a worse debt/assets ratio than last year.
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.
FC-DB-I's Altman-Z score of 10.85 is fine compared to the rest of the industry. FC-DB-I outperforms 80.00% of its industry peers.
A Debt/Equity ratio of 0.47 indicates that FC-DB-I is not too dependend on debt financing.
The Debt to Equity ratio of FC-DB-I (0.47) is better than 70.00% of its industry peers.
| 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.
FC-DB-I has a Current ratio of 0.11. This is in the lower half of the industry: FC-DB-I underperforms 63.33% of its industry peers.
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%.
Measured over the past years, FC-DB-I shows a small growth in Revenue. The Revenue has been growing by 7.71% on average per year.
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.
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
The Price/Earnings ratio is 101.04, which means the current valuation is very expensive for FC-DB-I.
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 is valuated expensively when we compare the Price/Earnings ratio to 25.91, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 97.12 indicates a quite expensive valuation of 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 34.57.
| 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.
FC-DB-I has a very decent profitability rating, which 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
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 6.86, 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 2.36.
| 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
FC-DB-I pays out 98.91% of its income as dividend. 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.