FIRM CAP MTG INV CORP (FC-DB-J.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:FC-DB-J - CA318323AL60
100.08 CAD
-0.16 (-0.16%)
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. FC-DB-J gets an excellent profitability rating and is at the same time showing great financial health properties. 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.
In the past year FC-DB-J had a positive cash flow from operations.
In the past 5 years FC-DB-J has always been profitable.
Of the past 5 years FC-DB-J 4 years had a positive operating cash flow.
1.2 Ratios
FC-DB-J's Return On Assets of 6.32% is amongst the best of 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.
The Average Return On Invested Capital over the past 3 years for FC-DB-J is in line with the industry average of 5.58%.
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
FC-DB-J has a Profit Margin of 55.47%. This is amongst the best in the industry. FC-DB-J outperforms 82.14% of its industry peers.
In the last couple of years the Profit Margin of FC-DB-J has declined.
The Operating Margin of FC-DB-J (70.96%) is better than 75.00% of its industry peers.
In the last couple of years the Operating Margin of FC-DB-J has grown nicely.
FC-DB-J has a better Gross Margin (73.45%) than 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.
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 amongst the best of the industry. FC-DB-J outperforms 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.
The Debt to FCF ratio of FC-DB-J (16.79) is better than 60.71% of its industry peers.
A Debt/Equity ratio of 0.39 indicates that FC-DB-J is not too dependend on debt financing.
The Debt to Equity ratio of FC-DB-J (0.39) is better than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 16.79 | ||
| Altman-Z | 13.24 |
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.
FC-DB-J has a Current ratio of 2.51. This is amongst the best in the industry. FC-DB-J outperforms 85.71% of its industry peers.
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.
FC-DB-J has a Quick ratio of 2.51. This is amongst the best in the industry. FC-DB-J outperforms 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.
FC-DB-J shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.04% yearly.
FC-DB-J shows a decrease in Revenue. In the last year, the revenue decreased by -6.64%.
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)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 2.59% on average per year.
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
Based on the Price/Earnings ratio of 98.12, the valuation of FC-DB-J can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of FC-DB-J is on the same level as its industry peers.
When comparing the Price/Earnings ratio of FC-DB-J to the average of the S&P500 Index (26.15), we can say FC-DB-J is valued expensively.
Based on the Price/Forward Earnings ratio of 94.80, the valuation of FC-DB-J can be described as expensive.
FC-DB-J's Price/Forward Earnings is on the same level as the industry average.
FC-DB-J's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 36.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.12 | ||
| Fwd PE | 94.8 |
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 | 371.81 | ||
| 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 a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)16.61
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 8.06%, which is a nice return.
Compared to an average industry Dividend Yield of 6.89, FC-DB-J pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, FC-DB-J pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.06% |
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 2Y3.16%
EPS Next 3Y2.59%
TSX:FC-DB-J (11/25/2025, 7:00:00 PM)
100.08
-0.16 (-0.16%)
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)37.77M
Analysts84
Price Target111.86 (11.77%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.06% |
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)-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 | 98.12 | ||
| Fwd PE | 94.8 | ||
| P/S | 54 | ||
| P/FCF | 371.81 | ||
| P/OCF | 371.81 | ||
| P/B | 8.63 | ||
| P/tB | 8.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.02
EY1.02%
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)16.61
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 | 13.24 |
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)3.96%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%-1.6%
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%-6.14%
Revenue Next Year-7.15%
Revenue Next 2Y-7.38%
Revenue Next 3Y-5.37%
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 100.08 CAD. The price decreased by -0.16% 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 2 out of 10 and a ChartMill Fundamental rating of 5 out of 10.