FIRM CAP MTG INV CORP (FC-DB-J.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:FC-DB-J - CA318323AL60
100.25 CAD
+0.17 (+0.17%)
Overall FC-DB-J gets a fundamental rating of 5 out of 10. We evaluated FC-DB-J against 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
In the past year FC-DB-J was profitable.
FC-DB-J had a positive operating cash flow in the past year.
Each year in the past 5 years FC-DB-J has been profitable.
FC-DB-J had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
FC-DB-J has a Return On Assets of 6.32%. This is amongst the best in the industry. FC-DB-J outperforms 85.71% of its industry peers.
FC-DB-J has a better Return On Equity (8.87%) than 60.71% of its industry peers.
FC-DB-J has a Return On Invested Capital of 5.85%. This is in the better half of the industry: FC-DB-J outperforms 60.71% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FC-DB-J is in line with the industry average of 5.82%.
The last Return On Invested Capital (5.85%) for FC-DB-J is above the 3 year average (5.27%), which is a sign of increasing profitability.
| 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
Looking at the Profit Margin, with a value of 55.47%, FC-DB-J is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
FC-DB-J's Profit Margin has declined in the last couple of years.
The Operating Margin of FC-DB-J (70.96%) is better than 75.00% of its industry peers.
FC-DB-J's Operating Margin has improved in the last couple of years.
With a decent Gross Margin value of 73.45%, FC-DB-J is doing good in the industry, outperforming 75.00% of the companies in the same industry.
In the last couple of years the Gross Margin of FC-DB-J has grown nicely.
| 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
FC-DB-J has more shares outstanding than it did 1 year ago.
The number of shares outstanding for FC-DB-J has been increased compared to 5 years ago.
Compared to 1 year ago, FC-DB-J has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 13.25 indicates that FC-DB-J is not in any danger for bankruptcy at the moment.
FC-DB-J has a better Altman-Z score (13.25) than 82.14% of its industry peers.
FC-DB-J has a debt to FCF ratio of 16.79. This is a negative value and a sign of low solvency as FC-DB-J would need 16.79 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 16.79, FC-DB-J is in the better half of the industry, outperforming 64.29% of the companies in the same industry.
FC-DB-J has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
FC-DB-J has a better Debt to Equity ratio (0.39) than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 16.79 | ||
| Altman-Z | 13.25 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 2.51 indicates that FC-DB-J has no problem at all paying its short term obligations.
With an excellent Current ratio value of 2.51, FC-DB-J belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
FC-DB-J has a Quick Ratio of 2.51. This indicates that FC-DB-J is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of FC-DB-J (2.51) is better than 85.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.51 | ||
| Quick Ratio | 2.51 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 3.96% over the past year.
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.
Measured over the past years, FC-DB-J shows a small growth in Revenue. The Revenue has been growing by 7.71% on average per year.
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.
The Revenue is expected to decrease by -5.64% on average over the next years.
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.
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 98.28, the valuation of FC-DB-J can be described as expensive.
The rest of the industry has a similar Price/Earnings ratio as FC-DB-J.
When comparing the Price/Earnings ratio of FC-DB-J to the average of the S&P500 Index (26.28), we can say FC-DB-J is valued expensively.
A Price/Forward Earnings ratio of 95.42 indicates a quite expensive valuation of FC-DB-J.
Based on the Price/Forward Earnings ratio, FC-DB-J is valued a bit cheaper than 60.71% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.52, FC-DB-J is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.28 | ||
| Fwd PE | 95.42 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as FC-DB-J.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 372.45 | ||
| 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-J has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)16.79
PEG (5Y)N/A
EPS Next 2Y2.91%
EPS Next 3Y2.18%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.10%, FC-DB-J is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.84, FC-DB-J has a dividend in line with its industry peers.
FC-DB-J's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.1% |
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
FC-DB-J pays out 95.98% of its income as dividend. This is not a sustainable payout ratio.
DP95.98%
EPS Next 2Y2.91%
EPS Next 3Y2.18%
TSX:FC-DB-J (12/3/2025, 7:00:00 PM)
100.25
+0.17 (+0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.69%
Inst Owner ChangeN/A
Ins Owners2.2%
Ins Owner ChangeN/A
Market Cap3.68B
Revenue(TTM)65.87M
Net Income(TTM)37.77M
Analysts84
Price Target111.86 (11.58%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.1% |
Yearly Dividend0.98
Dividend Growth(5Y)-0.4%
DP95.98%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.74%
Min EPS beat(2)3.66%
Max EPS beat(2)3.82%
EPS beat(4)2
Avg EPS beat(4)-1.94%
Min EPS beat(4)-13.31%
Max EPS beat(4)3.82%
EPS beat(8)2
Avg EPS beat(8)-2.81%
EPS beat(12)3
Avg EPS beat(12)-4.09%
EPS beat(16)4
Avg EPS beat(16)-3.57%
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)0.87%
PT rev (3m)-1.81%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)0.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.73%
Revenue NY rev (1m)1.69%
Revenue NY rev (3m)3.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.28 | ||
| Fwd PE | 95.42 | ||
| P/S | 54.09 | ||
| P/FCF | 372.45 | ||
| P/OCF | 372.45 | ||
| P/B | 8.65 | ||
| P/tB | 8.65 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.02
EY1.02%
EPS(NY)1.05
Fwd EY1.05%
FCF(TTM)0.27
FCFY0.27%
OCF(TTM)0.27
OCFY0.27%
SpS1.85
BVpS11.59
TBVpS11.6
PEG (NY)16.79
PEG (5Y)N/A
Graham Number16.31
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.32% | ||
| ROE | 8.87% | ||
| ROCE | 8.12% | ||
| ROIC | 5.85% | ||
| ROICexc | 5.85% | ||
| ROICexgc | 5.85% | ||
| OM | 70.96% | ||
| PM (TTM) | 55.47% | ||
| GM | 73.45% | ||
| FCFM | 14.52% |
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-Score6
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 16.79 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.92 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 26.18% | ||
| Current Ratio | 2.51 | ||
| Quick Ratio | 2.51 | ||
| Altman-Z | 13.25 |
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3.96%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%-1.6%
EPS Next Y5.86%
EPS Next 2Y2.91%
EPS Next 3Y2.18%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.64%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.14%
Revenue Next Year-5.58%
Revenue Next 2Y-7.81%
Revenue Next 3Y-5.64%
Revenue Next 5YN/A
EBIT growth 1Y1.38%
EBIT growth 3Y15.28%
EBIT growth 5Y10.11%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-83.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-83.64%
OCF growth 3YN/A
OCF growth 5YN/A
FIRM CAP MTG INV CORP / FC-DB-J.CA FAQ
What does FC-DB-J do?
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 current price of FC-DB-J stock?
The current stock price of FC-DB-J.CA is 100.25 CAD. The price increased by 0.17% in the last trading session.
What is the ChartMill rating of FIRM CAP MTG INV CORP stock?
FC-DB-J.CA has a ChartMill Technical rating of 4 out of 10 and a ChartMill Fundamental rating of 5 out of 10.