FIRM CAP MTG INV CORP (FC-DB-I.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:FC-DB-I - CA318323AK87
100.03 CAD
0 (0%)
FC-DB-I gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals 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 does not seem to be growing, but still is valued expensively.
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.
- Of the past 5 years FC-DB-I 4 years had a positive operating cash flow.
1.2 Ratios
- FC-DB-I has a Return On Assets of 5.58%. This is in the better half of the industry: FC-DB-I outperforms 80.00% of its industry peers.
- FC-DB-I has a Return On Equity of 8.32%. This is comparable to the rest of the industry: FC-DB-I outperforms 53.33% of its industry peers.
- FC-DB-I has a Return On Invested Capital (5.56%) which is comparable to the rest of the industry.
- The Average Return On Invested Capital over the past 3 years for FC-DB-I is below the industry average of 7.80%.
- 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 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's Profit Margin of 51.33% is fine compared to the rest of the industry. FC-DB-I outperforms 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.
- With a decent Gross Margin value of 72.66%, FC-DB-I is doing good in 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 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.
- Compared to 1 year ago, FC-DB-I has a worse debt to assets ratio.
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.
- FC-DB-I has a better Altman-Z score (10.85) 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.
- With a decent Debt to Equity ratio value of 0.47, FC-DB-I is doing good in 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.
- A Quick Ratio of 0.11 indicates that FC-DB-I may have some problems paying its short term obligations.
- With a Quick 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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 |
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.
- Looking at the last year, FC-DB-I shows a decrease in Revenue. The Revenue has decreased by -4.55% in the last year.
- 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
- Based on estimates for the next years, FC-DB-I will show a small growth in Earnings Per Share. The EPS will grow by 2.91% on average per year.
- 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
- Based on the Price/Earnings ratio of 101.04, the valuation of FC-DB-I can be described as expensive.
- Compared to the rest of the industry, the Price/Earnings ratio of FC-DB-I is on the same level as its industry peers.
- When comparing the Price/Earnings ratio of FC-DB-I to the average of the S&P500 Index (26.94), we can say FC-DB-I is valued expensively.
- 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 23.94.
| 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 FC-DB-I does not grow enough to justify the current Price/Earnings ratio.
- 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.
- FC-DB-I's Dividend Yield is comparable with the industry average which is at 6.56.
- Compared to an average S&P500 Dividend Yield of 1.83, 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)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 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.
Can you provide the latest stock price for FIRM CAP MTG INV CORP?
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.