FIRM CAP MTG INV CORP (FC-DB-J.CA) Stock Price, Forecast & Analysis
Canada - TSX:FC-DB-J - CA318323AL60
100.2 CAD
0 (0%)
Taking everything into account, FC-DB-J scores 5 out of 10 in our fundamental rating. FC-DB-J was compared to 27 industry peers in the Financial Services industry. While FC-DB-J belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. 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.
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 better Return On Assets (6.31%) than 88.89% of its industry peers.
FC-DB-J has a better Return On Equity (8.86%) than 66.67% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.84%, FC-DB-J is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for FC-DB-J is in line with the industry average of 5.61%.
The last Return On Invested Capital (5.84%) for FC-DB-J is above the 3 year average (5.26%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.31% | ||
| ROE | 8.86% | ||
| ROIC | 5.84% |
ROA(3y)5.41%
ROA(5y)5.13%
ROE(3y)8.29%
ROE(5y)8.08%
ROIC(3y)5.26%
ROIC(5y)4.59%
1.3 Margins
Looking at the Profit Margin, with a value of 55.46%, FC-DB-J belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
In the last couple of years the Profit Margin of FC-DB-J has declined.
FC-DB-J has a Operating Margin of 70.94%. This is amongst the best in the industry. FC-DB-J outperforms 81.48% of its industry peers.
FC-DB-J's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 73.45%, FC-DB-J is in the better half of the industry, outperforming 77.78% 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 | 70.94% | ||
| PM (TTM) | 55.46% | ||
| GM | 73.45% |
OM growth 3Y2.1%
OM growth 5Y2.14%
PM growth 3Y-6.6%
PM growth 5Y-2.92%
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.
Compared to 1 year ago, FC-DB-J has a worse debt to assets ratio.
2.2 Solvency
FC-DB-J has an Altman-Z score of 13.24. 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 13.24 is fine compared to the rest of the industry. FC-DB-J outperforms 74.07% of its industry peers.
The Debt to FCF ratio of FC-DB-J is 16.60, which is on the high side as it means it would take FC-DB-J, 16.60 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 16.60, FC-DB-J is in the better half of the industry, outperforming 66.67% 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 Debt to Equity ratio of 0.39. This is in the better half of the industry: FC-DB-J outperforms 77.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 16.6 | ||
| Altman-Z | 13.24 |
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.
FC-DB-J's Current ratio of 2.51 is amongst the best of the industry. FC-DB-J outperforms 88.89% of its industry peers.
A Quick Ratio of 2.51 indicates that FC-DB-J has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.51, FC-DB-J belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
| 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 0.61%.
FC-DB-J shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.04% yearly.
The Revenue has decreased by -6.64% 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)0.61%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%12%
Revenue 1Y (TTM)-6.64%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-5.71%
3.2 Future
FC-DB-J is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.59% yearly.
FC-DB-J is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -5.37% yearly.
EPS Next Y5.91%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
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
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
FC-DB-J is valuated quite expensively with a Price/Earnings ratio of 101.21.
FC-DB-J's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 25.89. FC-DB-J is valued rather expensively when compared to this.
FC-DB-J is valuated quite expensively with a Price/Forward Earnings ratio of 94.91.
FC-DB-J's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FC-DB-J is cheaper than 62.96% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FC-DB-J to the average of the S&P500 Index (34.59), we can say FC-DB-J is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 101.21 | ||
| Fwd PE | 94.91 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FC-DB-J is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 368.13 | ||
| 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.
FC-DB-J has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)17.13
PEG (5Y)N/A
EPS Next 2Y3.16%
EPS Next 3Y2.59%
5. Dividend
5.1 Amount
FC-DB-J has a Yearly Dividend Yield of 7.95%, which is a nice return.
Compared to an average industry Dividend Yield of 6.79, 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 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.95% |
5.2 History
The dividend of FC-DB-J decreases each year by -0.25%.
FC-DB-J does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)-0.25%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
FC-DB-J pays out 95.34% of its income as dividend. This is not a sustainable payout ratio.
DP95.34%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
TSX:FC-DB-J (11/10/2025, 7:00:00 PM)
100.2
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.58%
Inst Owner ChangeN/A
Ins Owners2.2%
Ins Owner ChangeN/A
Market Cap3.68B
Revenue(TTM)65.87M
Net Income(TTM)37.76M
Analysts84
Price Target111.86 (11.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.95% |
Yearly Dividend0.99
Dividend Growth(5Y)-0.25%
DP95.34%
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)-1.81%
PT rev (3m)-1.81%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 101.21 | ||
| Fwd PE | 94.91 | ||
| P/S | 54.07 | ||
| P/FCF | 368.13 | ||
| P/OCF | 368.13 | ||
| P/B | 8.64 | ||
| P/tB | 8.64 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.99
EY0.99%
EPS(NY)1.06
Fwd EY1.05%
FCF(TTM)0.27
FCFY0.27%
OCF(TTM)0.27
OCFY0.27%
SpS1.85
BVpS11.59
TBVpS11.6
PEG (NY)17.13
PEG (5Y)N/A
Graham Number16.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.31% | ||
| ROE | 8.86% | ||
| ROCE | 8.12% | ||
| ROIC | 5.84% | ||
| ROICexc | 5.84% | ||
| ROICexgc | 5.84% | ||
| OM | 70.94% | ||
| PM (TTM) | 55.46% | ||
| GM | 73.45% | ||
| FCFM | 14.69% |
ROA(3y)5.41%
ROA(5y)5.13%
ROE(3y)8.29%
ROE(5y)8.08%
ROIC(3y)5.26%
ROIC(5y)4.59%
ROICexc(3y)5.29%
ROICexc(5y)4.61%
ROICexgc(3y)5.29%
ROICexgc(5y)4.61%
ROCE(3y)7.97%
ROCE(5y)7.06%
ROICexgc growth 3Y15.84%
ROICexgc growth 5Y4.17%
ROICexc growth 3Y15.84%
ROICexc growth 5Y4.17%
OM growth 3Y2.1%
OM growth 5Y2.14%
PM growth 3Y-6.6%
PM growth 5Y-2.92%
GM growth 3Y2.15%
GM growth 5Y2.11%
F-Score6
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 16.6 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.91 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 26.48% | ||
| Current Ratio | 2.51 | ||
| Quick Ratio | 2.51 | ||
| Altman-Z | 13.24 |
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)0.61%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%12%
EPS Next Y5.91%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.64%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-5.71%
Revenue Next Year-7.15%
Revenue Next 2Y-7.38%
Revenue Next 3Y-5.37%
Revenue Next 5YN/A
EBIT growth 1Y1.35%
EBIT growth 3Y15.1%
EBIT growth 5Y10.01%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-83.46%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-83.46%
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 100.2 CAD.
What is the ChartMill rating of FIRM CAP MTG INV CORP stock?
FC-DB-J.CA has a ChartMill Technical rating of 3 out of 10 and a ChartMill Fundamental rating of 5 out of 10.