FIRM CAP MTG INV CORP (FC-DB-I.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:FC-DB-I • CA318323AK87
100.03 CAD
0 (0%)
Last: May 8, 2025, 07:00 PM
We assign a fundamental rating of 3 out of 10 to FC-DB-I. FC-DB-I was compared to 28 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 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.
- FC-DB-I had a negative 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 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.
- The Return On Invested Capital of FC-DB-I (5.56%) is comparable to the rest of the industry.
- Measured over the past 3 years, the Average Return On Invested Capital for FC-DB-I is below the industry average of 7.95%.
- 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
- 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.
- FC-DB-I's Profit Margin has declined in the last couple of years.
- FC-DB-I has a Operating Margin of 70.17%. This is in the better half of the industry: FC-DB-I outperforms 66.67% of its industry peers.
- In the last couple of years the Operating Margin of FC-DB-I has grown nicely.
- FC-DB-I's Gross Margin of 72.66% is fine compared to the rest of the industry. FC-DB-I outperforms 73.33% of its industry peers.
- FC-DB-I's Gross Margin has improved in the last couple of years.
| 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
- Compared to 5 years ago, FC-DB-I has more shares outstanding
- 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 has a better Altman-Z score (10.85) than 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.
- FC-DB-I has a better Debt to Equity ratio (0.47) 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
- 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.
- The Current ratio of FC-DB-I (0.11) is worse than 63.33% of its industry peers.
- 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 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.
- 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
- 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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 101.04 indicates a quite expensive valuation of FC-DB-I.
- FC-DB-I's Price/Earnings ratio is in line with the industry average.
- FC-DB-I is valuated expensively when we compare the Price/Earnings ratio to 28.32, 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.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, FC-DB-I is valued quite expensively.
| 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
- 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 5.61.
- FC-DB-I's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| 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 does not have a reliable dividend history as it only pays dividend since a couple or years.
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
FIRM CAP MTG INV CORP / FC-DB-I.CA FAQ
Can you provide the ChartMill fundamental rating for FIRM CAP MTG INV CORP?
ChartMill assigns a fundamental rating of 3 / 10 to FC-DB-I.CA.
Can you provide the valuation status for FIRM CAP MTG INV CORP?
ChartMill assigns a valuation rating of 1 / 10 to FIRM CAP MTG INV CORP (FC-DB-I.CA). This can be considered as Overvalued.
What is the profitability of FC-DB-I stock?
FIRM CAP MTG INV CORP (FC-DB-I.CA) has a profitability rating of 6 / 10.
How financially healthy is FIRM CAP MTG INV CORP?
The financial health rating of FIRM CAP MTG INV CORP (FC-DB-I.CA) is 2 / 10.
What is the expected EPS growth for FIRM CAP MTG INV CORP (FC-DB-I.CA) stock?
The Earnings per Share (EPS) of FIRM CAP MTG INV CORP (FC-DB-I.CA) is expected to grow by 3.83% in the next year.