FIRM CAP MTG INV CORP (FC-DB-J.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:FC-DB-J - CA318323AL60
100.01 CAD
+0.01 (+0.01%)
FC-DB-J gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals 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 has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
FC-DB-J had positive earnings in the past year.
In the past year FC-DB-J had a positive cash flow from operations.
FC-DB-J had positive earnings in each of the past 5 years.
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.
Looking at the Return On Equity, with a value of 8.87%, FC-DB-J is in the better half of the industry, outperforming 60.71% of the companies in the same industry.
FC-DB-J has a better Return On Invested Capital (5.85%) than 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 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 71.43% of its industry peers.
In the last couple of years the Profit Margin of FC-DB-J has declined.
With a decent Operating Margin value of 70.96%, 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 Operating Margin of FC-DB-J has grown nicely.
FC-DB-J's Gross Margin of 73.45% is fine compared to the rest of the industry. FC-DB-J outperforms 75.00% of its industry peers.
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.
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.
The Altman-Z score of FC-DB-J (13.21) is better than 82.14% of its industry peers.
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.
With a decent Debt to FCF ratio value of 16.79, FC-DB-J is doing good in 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's Debt to Equity ratio of 0.39 is fine compared to the rest of the industry. FC-DB-J outperforms 75.00% 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 85.71% 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.
With an excellent Quick 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.
| 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.
The Earnings Per Share has been decreasing by -0.04% on average over the past years.
FC-DB-J shows a decrease in Revenue. In the last year, the revenue decreased by -6.64%.
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
Based on estimates for the next years, FC-DB-J will show a small growth in Earnings Per Share. The EPS will grow by 2.18% on average per year.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 98.05, the valuation of FC-DB-J can be described as expensive.
FC-DB-J's Price/Earnings ratio is in line with the industry average.
FC-DB-J's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.59.
A Price/Forward Earnings ratio of 95.19 indicates a quite expensive valuation of FC-DB-J.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FC-DB-J indicates a somewhat cheap valuation: FC-DB-J is cheaper than 60.71% of the companies listed in the same industry.
FC-DB-J is valuated expensively when we compare the Price/Forward Earnings ratio to 24.03, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.05 | ||
| Fwd PE | 95.19 |
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 | 371.55 | ||
| 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)16.75
PEG (5Y)N/A
EPS Next 2Y2.91%
EPS Next 3Y2.18%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.97%, FC-DB-J is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.98, FC-DB-J pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, FC-DB-J pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.97% |
5.2 History
The dividend of FC-DB-J decreases each year by -0.40%.
FC-DB-J 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
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 (12/23/2025, 7:00:00 PM)
100.01
+0.01 (+0.01%)
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 Cap3.67B
Revenue(TTM)65.87M
Net Income(TTM)37.77M
Analysts84
Price Target112.38 (12.37%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.97% |
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)0.47%
PT rev (3m)-1.35%
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)0%
Revenue NY rev (1m)1.69%
Revenue NY rev (3m)1.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.05 | ||
| Fwd PE | 95.19 | ||
| P/S | 53.96 | ||
| P/FCF | 371.55 | ||
| P/OCF | 371.55 | ||
| P/B | 8.63 | ||
| P/tB | 8.63 | ||
| 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)16.75
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 | 13.21 |
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 100.01 CAD. The price increased by 0.01% 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 1 out of 10 and a ChartMill Fundamental rating of 5 out of 10.