FIRM CAP MTG INV CORP (FC-DB-J.CA) Stock Price, Forecast & Analysis
Canada - TSX:FC-DB-J - CA318323AL60
100.19 CAD
0 (0%)
Overall FC-DB-J gets a fundamental rating of 4 out of 10. We evaluated FC-DB-J against 27 industry peers in the Financial Services industry. While FC-DB-J has a great profitability rating, there are quite some 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.
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 has a better Return On Assets (5.98%) than 81.48% of its industry peers.
Looking at the Return On Equity, with a value of 8.92%, FC-DB-J is in line with its industry, outperforming 55.56% of the companies in the same industry.
FC-DB-J has a Return On Invested Capital of 5.58%. This is comparable to the rest of the industry: FC-DB-J outperforms 59.26% 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 5.03%.
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
FC-DB-J's Profit Margin of 55.47% is fine compared to the rest of the industry. FC-DB-J outperforms 77.78% of its industry peers.
In the last couple of years the Profit Margin of FC-DB-J has declined.
Looking at the Operating Margin, with a value of 70.97%, FC-DB-J is in the better half of the industry, outperforming 70.37% of the companies in the same industry.
FC-DB-J's Operating Margin has improved in the last couple of years.
FC-DB-J has a better Gross Margin (73.45%) than 70.37% 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
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 10.86 indicates that FC-DB-J is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 10.86, FC-DB-J belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
FC-DB-J has a debt to FCF ratio of 19.43. This is a negative value and a sign of low solvency as FC-DB-J would need 19.43 years to pay back of all of its debts.
FC-DB-J has a Debt to FCF ratio (19.43) which is in line with its industry peers.
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 74.07% 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 Current ratio of 0.11. This is in the lower half of the industry: FC-DB-J underperforms 66.67% of its industry peers.
A Quick Ratio of 0.11 indicates that FC-DB-J may have some problems paying its short term obligations.
FC-DB-J's Quick ratio of 0.11 is on the low side compared to the rest of the industry. FC-DB-J is outperformed by 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 |
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 4.47%.
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 -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 2.59% on average over the next years.
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
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
A Price/Earnings ratio of 97.27 indicates a quite expensive valuation of 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 62.96% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.03, FC-DB-J is valued quite expensively.
A Price/Forward Earnings ratio of 94.90 indicates a quite expensive valuation of FC-DB-J.
FC-DB-J's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of FC-DB-J to the average of the S&P500 Index (22.27), we can say FC-DB-J is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.27 | ||
| Fwd PE | 94.9 |
4.2 Price Multiples
FC-DB-J's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 357.87 | ||
| 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)16.47
PEG (5Y)N/A
EPS Next 2Y3.16%
EPS Next 3Y2.59%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.89%, FC-DB-J is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.94, 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 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.89% |
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 2Y3.16%
EPS Next 3Y2.59%
TSX:FC-DB-J (11/3/2025, 7:00:00 PM)
100.19
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)68.09M
Net Income(TTM)37.77M
Analysts84
Price Target110.9 (10.69%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.89% |
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)-2.66%
PT rev (3m)-2.66%
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)3.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.27 | ||
| Fwd PE | 94.9 | ||
| P/S | 54.06 | ||
| P/FCF | 357.87 | ||
| P/OCF | 357.87 | ||
| P/B | 8.69 | ||
| P/tB | 8.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY1.03%
EPS(NY)1.06
Fwd EY1.05%
FCF(TTM)0.28
FCFY0.28%
OCF(TTM)0.28
OCFY0.28%
SpS1.85
BVpS11.52
TBVpS11.52
PEG (NY)16.47
PEG (5Y)N/A
Graham Number16.34
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%
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-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 Y5.91%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
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
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 100.19 CAD.
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 4 out of 10.