FIRM CAP MTG INV CORP(TSX:FC-DB-I) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to FC-DB-I. FC-DB-I was compared to 32 industry peers in the Financial Services industry. FC-DB-I has an excellent profitability rating, but there are some minor concerns on its financial health. FC-DB-I is valued expensive and it does not seem to be growing.

Quickly go to:

1. Profitability

1.1 Basic Checks

FC-DB-I had positive earnings in the past year.

FC-DB-I had a positive operating cash flow in the past year.

In the past 5 years FC-DB-I has always been profitable.

FC-DB-I had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

FC-DB-I has a better Return On Assets (5.55%) than 81.25% of its industry peers.

FC-DB-I has a Return On Equity of 8.10%. This is comparable to the rest of the industry: FC-DB-I outperforms 50.00% of its industry peers.

FC-DB-I has a Return On Invested Capital of 5.81%. This is comparable to the rest of the industry: FC-DB-I outperforms 56.25% 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 5.84%.

The 3 year average ROIC (4.61%) for FC-DB-I is below the current ROIC(5.81%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	5.55%
ROE	8.1%
ROIC	5.81%

ROA(3y)5.13%

ROA(5y)5.19%

ROE(3y)8.16%

ROE(5y)8.21%

ROIC(3y)4.61%

ROIC(5y)4.39%

1.3 Margins

FC-DB-I's Profit Margin of 48.76% is amongst the best of the industry. FC-DB-I outperforms 81.25% of its industry peers.

In the last couple of years the Profit Margin of FC-DB-I has declined.

FC-DB-I has a better Operating Margin (70.12%) than 68.75% of its industry peers.

FC-DB-I's Operating Margin has improved in the last couple of years.

FC-DB-I has a better Gross Margin (72.53%) than 75.00% 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	70.12%
PM (TTM)	48.76%
GM	72.53%

OM growth 3Y3.14%

OM growth 5Y3.51%

PM growth 3Y-7.3%

PM growth 5Y-2.68%

GM growth 3Y1.84%

GM growth 5Y3.48%

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

Compared to 1 year ago, FC-DB-I has about the same amount of shares outstanding.

The number of shares outstanding for FC-DB-I has been increased compared to 5 years ago.

Compared to 1 year ago, FC-DB-I has an improved debt to assets ratio.

2.2 Solvency

FC-DB-I has an Altman-Z score of 11.56. This indicates that FC-DB-I is financially healthy and has little risk of bankruptcy at the moment.

With a decent Altman-Z score value of 11.56, FC-DB-I is doing good in the industry, outperforming 78.13% of the companies in the same industry.

FC-DB-I has a debt to FCF ratio of 2.96. This is a good value and a sign of high solvency as FC-DB-I would need 2.96 years to pay back of all of its debts.

FC-DB-I has a Debt to FCF ratio of 2.96. This is amongst the best in the industry. FC-DB-I outperforms 81.25% of its industry peers.

FC-DB-I has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.44, FC-DB-I is in the better half of the industry, outperforming 71.88% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.44
Debt/FCF	2.96
Altman-Z	11.56

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

FC-DB-I has a Current Ratio of 0.12. 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 0.12, FC-DB-I is doing worse than 65.63% of the companies in the same industry.

FC-DB-I has a Quick Ratio of 0.12. 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 (0.12) is worse than 65.63% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.12
Quick Ratio	0.12

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

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 1.97%.

Measured over the past 5 years, FC-DB-I shows a small growth in Earnings Per Share. The EPS has been growing by 0.45% on average per year.

Looking at the last year, FC-DB-I shows a decrease in Revenue. The Revenue has decreased by -0.69% in the last year.

FC-DB-I shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.73% yearly.

EPS 1Y (TTM)1.97%

EPS 3Y2.34%

EPS 5Y0.45%

EPS Q2Q%0.4%

Revenue 1Y (TTM)-0.69%

Revenue growth 3Y17.63%

Revenue growth 5Y8.73%

Sales Q2Q%3.67%

3.2 Future

FC-DB-I is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.80% yearly.

FC-DB-I is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -8.14% yearly.

EPS Next Y3.42%

EPS Next 2Y2.21%

EPS Next 3Y1.8%

EPS Next 5YN/A

Revenue Next Year-6.63%

Revenue Next 2Y-9.39%

Revenue Next 3Y-8.14%

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 100.94 indicates a quite expensive valuation of FC-DB-I.

FC-DB-I's Price/Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Earnings ratio of 29.35, FC-DB-I is valued quite expensively.

With a Price/Forward Earnings ratio of 97.02, FC-DB-I can be considered very expensive at the moment.

The rest of the industry has a similar Price/Forward Earnings ratio as FC-DB-I.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, FC-DB-I is valued quite expensively.

		Industry Rank	Sector Rank
PE	100.94
Fwd PE	97.02

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as FC-DB-I.

		Industry Rank	Sector Rank
P/FCF	57.88
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)29.53

PEG (5Y)223.16

EPS Next 2Y2.21%

EPS Next 3Y1.8%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

FC-DB-I has a Yearly Dividend Yield of 7.90%, which is a nice return.

FC-DB-I's Dividend Yield is comparable with the industry average which is at 8.05.

Compared to an average S&P500 Dividend Yield of 2.33, FC-DB-I pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.9%

5.2 History

The dividend of FC-DB-I decreases each year by -1.14%.

FC-DB-I is new to the dividend game and has less than 3 years of track record.

Dividend Growth(5Y)-1.14%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

FC-DB-I pays out 99.77% of its income as dividend. This is not a sustainable payout ratio.

DP99.77%

EPS Next 2Y2.21%

EPS Next 3Y1.8%

More info and screens

Find the best dividend stocks

Show peers with best dividend

FIRM CAP MTG INV CORP

TSX:FC-DB-I (3/6/2025, 7:00:00 PM)

99.93

+0.11 (+0.11%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)11-05 2024-11-05/amc

Earnings (Next)03-20 2025-03-20/amc

Inst Owners2.08%

Inst Owner ChangeN/A

Ins Owners2.28%

Ins Owner ChangeN/A

Market Cap3.67B

Analysts84

Price Target115.49 (15.57%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.9%

Yearly Dividend0.95

Dividend Growth(5Y)-1.14%

DP99.77%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-7.11%

Min EPS beat(2)-13.31%

Max EPS beat(2)-0.91%

EPS beat(4)0

Avg EPS beat(4)-6.18%

Min EPS beat(4)-13.31%

Max EPS beat(4)-0.91%

EPS beat(8)1

Avg EPS beat(8)-6%

EPS beat(12)1

Avg EPS beat(12)-5.62%

EPS beat(16)3

Avg EPS beat(16)-4.19%

Revenue beat(2)2

Avg Revenue beat(2)4.11%

Min Revenue beat(2)2.87%

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)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	100.94
Fwd PE	97.02
P/S	52.02
P/FCF	57.88
P/OCF	57.88
P/B	8.64
P/tB	8.64
EV/EBITDA	N/A

EPS(TTM)0.99

EY0.99%

EPS(NY)1.03

Fwd EY1.03%

FCF(TTM)1.73

FCFY1.73%

OCF(TTM)1.73

OCFY1.73%

SpS1.92

BVpS11.57

TBVpS11.57

PEG (NY)29.53

PEG (5Y)223.16

Profitability

		Industry Rank	Sector Rank
ROA	5.55%
ROE	8.1%
ROCE	8.86%
ROIC	5.81%
ROICexc	5.81%
ROICexgc	5.81%
OM	70.12%
PM (TTM)	48.76%
GM	72.53%
FCFM	89.88%

ROA(3y)5.13%

ROA(5y)5.19%

ROE(3y)8.16%

ROE(5y)8.21%

ROIC(3y)4.61%

ROIC(5y)4.39%

ROICexc(3y)4.64%

ROICexc(5y)4.41%

ROICexgc(3y)4.64%

ROICexgc(5y)4.41%

ROCE(3y)6.99%

ROCE(5y)6.65%

ROICexcg growth 3Y19.97%

ROICexcg growth 5Y8.63%

ROICexc growth 3Y19.97%

ROICexc growth 5Y8.63%

OM growth 3Y3.14%

OM growth 5Y3.51%

PM growth 3Y-7.3%

PM growth 5Y-2.68%

GM growth 3Y1.84%

GM growth 5Y3.48%

F-Score6

Asset Turnover0.11

Health

		Industry Rank	Sector Rank
Debt/Equity	0.44
Debt/FCF	2.96
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	3.82
Cash Conversion	N/A
Profit Quality	184.34%
Current Ratio	0.12
Quick Ratio	0.12
Altman-Z	11.56

F-Score6

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)161.08%

Profit Quality(5y)154.37%

High Growth Momentum

Growth

EPS 1Y (TTM)1.97%

EPS 3Y2.34%

EPS 5Y0.45%

EPS Q2Q%0.4%

EPS Next Y3.42%

EPS Next 2Y2.21%

EPS Next 3Y1.8%

EPS Next 5YN/A

Revenue 1Y (TTM)-0.69%

Revenue growth 3Y17.63%

Revenue growth 5Y8.73%

Sales Q2Q%3.67%

Revenue Next Year-6.63%

Revenue Next 2Y-9.39%

Revenue Next 3Y-8.14%

Revenue Next 5YN/A

EBIT growth 1Y2.09%

EBIT growth 3Y21.32%

EBIT growth 5Y12.55%

EBIT Next Year-1.67%

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y32.52%

FCF growth 3Y18.87%

FCF growth 5Y9.13%

OCF growth 1Y32.52%

OCF growth 3Y18.87%

OCF growth 5Y9.13%

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens