FIRM CAP MTG INV CORP (FC-DB-J.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:FC-DB-J • CA318323AL60
99.96 CAD
-0.01 (-0.01%)
Last: Jan 29, 2026, 07:00 PM
We assign a fundamental rating of 5 out of 10 to FC-DB-J. FC-DB-J was compared to 28 industry peers in the Financial Services industry. Both the health and profitability get an excellent rating, making FC-DB-J a very profitable company, without any liquidiy or solvency issues. FC-DB-J does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- FC-DB-J had positive earnings in the past year.
- FC-DB-J had a positive operating cash flow in the past year.
- FC-DB-J had positive earnings in each of the past 5 years.
- Of the past 5 years FC-DB-J 4 years had a positive operating cash flow.
1.2 Ratios
- FC-DB-J has a better Return On Assets (6.32%) than 85.71% of its industry peers.
- With a decent Return On Equity value of 8.87%, FC-DB-J is doing good in the industry, outperforming 64.29% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 5.85%, FC-DB-J is in the better half of the industry, outperforming 64.29% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for FC-DB-J is below the industry average of 7.80%.
- The 3 year average ROIC (5.27%) for FC-DB-J is below the current ROIC(5.85%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.32% | ||
| ROE | 8.87% | ||
| ROIC | 5.85% |
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
- The Profit Margin of FC-DB-J (55.47%) is better than 78.57% of its industry peers.
- FC-DB-J's Profit Margin has declined in the last couple of years.
- FC-DB-J has a Operating Margin of 70.96%. This is amongst the best in the industry. FC-DB-J outperforms 85.71% of its industry peers.
- In the last couple of years the Operating Margin of FC-DB-J has grown nicely.
- With a decent Gross Margin value of 73.45%, FC-DB-J is doing good in the industry, outperforming 78.57% of the companies in the same industry.
- FC-DB-J's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 70.96% | ||
| PM (TTM) | 55.47% | ||
| GM | 73.45% |
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-J has been increased compared to 1 year ago.
- FC-DB-J has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for FC-DB-J is higher compared to a year ago.
2.2 Solvency
- An Altman-Z score of 13.21 indicates that FC-DB-J is not in any danger for bankruptcy at the moment.
- With an excellent Altman-Z score value of 13.21, FC-DB-J belongs to the best of the industry, outperforming 82.14% of the companies in the same industry.
- The Debt to FCF ratio of FC-DB-J is 16.79, which is on the high side as it means it would take FC-DB-J, 16.79 years of fcf income to pay off all of its debts.
- FC-DB-J has a Debt to FCF ratio of 16.79. This is in the better half of the industry: FC-DB-J outperforms 64.29% of its industry peers.
- A Debt/Equity ratio of 0.39 indicates that FC-DB-J is not too dependend on debt financing.
- FC-DB-J's Debt to Equity ratio of 0.39 is fine compared to the rest of the industry. FC-DB-J outperforms 78.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 16.79 | ||
| Altman-Z | 13.21 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- FC-DB-J has a Current Ratio of 2.51. This indicates that FC-DB-J is financially healthy and has no problem in meeting its short term obligations.
- With an excellent Current ratio value of 2.51, FC-DB-J belongs to the best of the industry, outperforming 89.29% of the companies in the same industry.
- A Quick Ratio of 2.51 indicates that FC-DB-J has no problem at all paying its short term obligations.
- FC-DB-J's Quick ratio of 2.51 is amongst the best of the industry. FC-DB-J outperforms 89.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.51 | ||
| Quick Ratio | 2.51 |
3. Growth
3.1 Past
- FC-DB-J shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.96%.
- Measured over the past years, FC-DB-J shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.04% on average per year.
- Looking at the last year, FC-DB-J shows a decrease in Revenue. The Revenue has decreased by -6.64% in the last year.
- The Revenue has been growing slightly by 7.71% on average over the past years.
EPS 1Y (TTM)3.96%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%-1.6%
Revenue 1Y (TTM)-6.64%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.14%
3.2 Future
- The Earnings Per Share is expected to grow by 2.18% on average over the next years.
- Based on estimates for the next years, FC-DB-J will show a decrease in Revenue. The Revenue will decrease by -5.64% on average per year.
EPS Next Y5.86%
EPS Next 2Y2.91%
EPS Next 3Y2.18%
EPS Next 5YN/A
Revenue Next Year-5.58%
Revenue Next 2Y-7.81%
Revenue Next 3Y-5.64%
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
- With a Price/Earnings ratio of 98.00, FC-DB-J can be considered very expensive at the moment.
- FC-DB-J's Price/Earnings is on the same level as the industry average.
- When comparing the Price/Earnings ratio of FC-DB-J to the average of the S&P500 Index (28.30), we can say FC-DB-J is valued expensively.
- A Price/Forward Earnings ratio of 95.15 indicates a quite expensive valuation of FC-DB-J.
- FC-DB-J's Price/Forward Earnings is on the same level as the industry average.
- When comparing the Price/Forward Earnings ratio of FC-DB-J to the average of the S&P500 Index (25.57), we can say FC-DB-J is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98 | ||
| Fwd PE | 95.15 |
4.2 Price Multiples
- FC-DB-J's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 371.37 | ||
| 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-J may justify a higher PE ratio.
PEG (NY)16.74
PEG (5Y)N/A
EPS Next 2Y2.91%
EPS Next 3Y2.18%
5. Dividend
5.1 Amount
- FC-DB-J has a Yearly Dividend Yield of 7.72%, which is a nice return.
- FC-DB-J's Dividend Yield is comparable with the industry average which is at 5.64.
- Compared to an average S&P500 Dividend Yield of 1.82, FC-DB-J pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.72% |
5.2 History
- The dividend of FC-DB-J decreases each year by -0.40%.
- FC-DB-J 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
- 95.98% of the earnings are spent on dividend by FC-DB-J. This is not a sustainable payout ratio.
DP95.98%
EPS Next 2Y2.91%
EPS Next 3Y2.18%
FIRM CAP MTG INV CORP / FC-DB-J.CA FAQ
What is the fundamental rating for FC-DB-J stock?
ChartMill assigns a fundamental rating of 5 / 10 to FC-DB-J.CA.
Can you provide the valuation status for FIRM CAP MTG INV CORP?
ChartMill assigns a valuation rating of 2 / 10 to FIRM CAP MTG INV CORP (FC-DB-J.CA). This can be considered as Overvalued.
How profitable is FIRM CAP MTG INV CORP (FC-DB-J.CA) stock?
FIRM CAP MTG INV CORP (FC-DB-J.CA) has a profitability rating of 7 / 10.
Can you provide the PE and PB ratios for FC-DB-J stock?
The Price/Earnings (PE) ratio for FIRM CAP MTG INV CORP (FC-DB-J.CA) is 98 and the Price/Book (PB) ratio is 8.62.
Can you provide the financial health for FC-DB-J stock?
The financial health rating of FIRM CAP MTG INV CORP (FC-DB-J.CA) is 7 / 10.