FIRM CAP MTG INV CORP (FC-DB-J.CA) Stock Overview
Canada - TSX:FC-DB-J - CA318323AL60
100.15 CAD
0 (0%)
Taking everything into account, FC-DB-J scores 3 out of 10 in our fundamental rating. FC-DB-J was compared to 29 industry peers in the Financial Services industry. FC-DB-J has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
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.
Of the past 5 years FC-DB-J 4 years had a positive operating cash flow.
1.2 Ratios
FC-DB-J has a Return On Assets of 5.98%. This is in the better half of the industry: FC-DB-J outperforms 79.31% of its industry peers.
The Return On Equity of FC-DB-J (8.92%) is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 5.58%, FC-DB-J is in line with its industry, outperforming 55.17% of the companies in the same industry.
FC-DB-J had an Average Return On Invested Capital over the past 3 years of 5.27%. This is in line with the industry average of 5.62%.
The 3 year average ROIC (5.27%) for FC-DB-J is below the current ROIC(5.58%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.98% | ||
| ROE | 8.92% | ||
| ROIC | 5.58% |
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 79.31% of the companies in the same industry.
In the last couple of years the Profit Margin of FC-DB-J has declined.
With a decent Operating Margin value of 70.97%, FC-DB-J is doing good in the industry, outperforming 68.97% 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 has a Gross Margin of 73.45%. This is in the better half of the industry: FC-DB-J outperforms 72.41% 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 | 70.97% | ||
| 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.
The number of shares outstanding for FC-DB-J has been increased compared to 5 years ago.
FC-DB-J has a worse debt/assets ratio than last year.
2.2 Solvency
FC-DB-J has an Altman-Z score of 10.86. This indicates that FC-DB-J is financially healthy and has little risk of bankruptcy at the moment.
FC-DB-J's Altman-Z score of 10.86 is amongst the best of the industry. FC-DB-J outperforms 86.21% of its industry peers.
The Debt to FCF ratio of FC-DB-J is 19.43, which is on the high side as it means it would take FC-DB-J, 19.43 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 19.43, FC-DB-J perfoms like the industry average, outperforming 58.62% of the companies in the same industry.
A Debt/Equity ratio of 0.47 indicates that FC-DB-J is not too dependend on debt financing.
FC-DB-J has a Debt to Equity ratio of 0.47. This is in the better half of the industry: FC-DB-J outperforms 72.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 19.43 | ||
| Altman-Z | 10.86 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
FC-DB-J has a Current Ratio of 0.11. This is a bad value and indicates that FC-DB-J is not financially healthy enough and could expect problems in meeting its short term obligations.
FC-DB-J has a worse Current ratio (0.11) than 65.52% of its industry peers.
FC-DB-J has a Quick Ratio of 0.11. This is a bad value and indicates that FC-DB-J is not financially healthy enough and could expect problems in meeting its short term obligations.
FC-DB-J has a worse Quick ratio (0.11) than 65.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.47% over the past year.
The Earnings Per Share has been decreasing by -0.04% on average over the past years.
The Revenue has decreased by -0.92% in the past year.
FC-DB-J shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.71% yearly.
EPS 1Y (TTM)4.47%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%6.07%
Revenue 1Y (TTM)-0.92%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.66%
3.2 Future
The Earnings Per Share is expected to grow by 2.82% 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 -5.37% on average per year.
EPS Next Y5.39%
EPS Next 2Y3.41%
EPS Next 3Y2.82%
EPS Next 5YN/A
Revenue Next Year-7.15%
Revenue Next 2Y-7.38%
Revenue Next 3Y-5.37%
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
The Price/Earnings ratio is 97.23, which means the current valuation is very expensive for FC-DB-J.
FC-DB-J's Price/Earnings ratio is a bit more expensive when compared to the industry. FC-DB-J is more expensive than 62.07% of the companies in the same industry.
FC-DB-J is valuated expensively when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.
FC-DB-J is valuated quite expensively with a Price/Forward Earnings ratio of 94.40.
FC-DB-J's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.71. FC-DB-J is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.23 | ||
| Fwd PE | 94.4 |
4.2 Price Multiples
62.07% of the companies in the same industry are cheaper than FC-DB-J, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 357.73 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FC-DB-J does not grow enough to justify the current Price/Earnings ratio.
The decent profitability rating of FC-DB-J may justify a higher PE ratio.
PEG (NY)18.05
PEG (5Y)N/A
EPS Next 2Y3.41%
EPS Next 3Y2.82%
5. Dividend
5.1 Amount
FC-DB-J has a Yearly Dividend Yield of 7.68%, which is a nice return.
Compared to an average industry Dividend Yield of 6.71, FC-DB-J pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, FC-DB-J pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.68% |
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
95.55% of the earnings are spent on dividend by FC-DB-J. This is not a sustainable payout ratio.
DP95.55%
EPS Next 2Y3.41%
EPS Next 3Y2.82%
TSX:FC-DB-J (9/9/2025, 7:00:00 PM)
100.15
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.61%
Inst Owner ChangeN/A
Ins Owners2.2%
Ins Owner ChangeN/A
Market Cap3.68B
Analysts84
Price Target113.93 (13.76%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.68% |
Yearly Dividend0.98
Dividend Growth(5Y)-0.4%
DP95.55%
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%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.92%
EPS NY rev (1m)1.5%
EPS NY rev (3m)1.5%
Revenue NQ rev (1m)2.73%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.11%
Revenue NY rev (3m)3.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.23 | ||
| Fwd PE | 94.4 | ||
| P/S | 54.04 | ||
| P/FCF | 357.73 | ||
| P/OCF | 357.73 | ||
| P/B | 8.69 | ||
| P/tB | 8.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY1.03%
EPS(NY)1.06
Fwd EY1.06%
FCF(TTM)0.28
FCFY0.28%
OCF(TTM)0.28
OCFY0.28%
SpS1.85
BVpS11.52
TBVpS11.52
PEG (NY)18.05
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.98% | ||
| ROE | 8.92% | ||
| ROCE | 8.68% | ||
| ROIC | 5.58% | ||
| ROICexc | 5.58% | ||
| ROICexgc | 5.58% | ||
| OM | 70.97% | ||
| PM (TTM) | 55.47% | ||
| GM | 73.45% | ||
| FCFM | 15.11% |
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%
ROICexcg growth 3Y16%
ROICexcg 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-Score5
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 19.43 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 4.06 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 27.23% | ||
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 | ||
| Altman-Z | 10.86 |
F-Score5
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)4.47%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%6.07%
EPS Next Y5.39%
EPS Next 2Y3.41%
EPS Next 3Y2.82%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.92%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.66%
Revenue Next Year-7.15%
Revenue Next 2Y-7.38%
Revenue Next 3Y-5.37%
Revenue Next 5YN/A
EBIT growth 1Y1.37%
EBIT growth 3Y15.28%
EBIT growth 5Y10.11%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-82.99%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-82.99%
OCF growth 3YN/A
OCF growth 5YN/A