FIRM CAP MTG INV CORP (FC-DB-J.CA) Stock Price, Forecast & Analysis
Canada - TSX:FC-DB-J - CA318323AL60
100.2 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. FC-DB-J has an excellent profitability rating, but there are 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.
Each year in the past 5 years FC-DB-J has 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 5.98% is amongst the best of the industry. FC-DB-J outperforms 85.19% of its industry peers.
FC-DB-J's Return On Equity of 8.92% is fine compared to the rest of the industry. FC-DB-J outperforms 62.96% of its industry peers.
With a decent Return On Invested Capital value of 5.58%, FC-DB-J is doing good in the industry, outperforming 62.96% 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 5.55%.
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 belongs to the top of the industry, outperforming 81.48% of the companies in the same industry.
FC-DB-J's Profit Margin has declined in the last couple of years.
FC-DB-J has a Operating Margin of 70.97%. This is in the better half of the industry: FC-DB-J outperforms 77.78% of its industry peers.
In the last couple of years the Operating Margin of FC-DB-J has grown nicely.
With a decent Gross Margin value of 73.45%, FC-DB-J is doing good in the industry, outperforming 74.07% 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 | 70.97% | ||
| 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
Compared to 1 year ago, FC-DB-J has more shares outstanding
Compared to 5 years ago, FC-DB-J has more shares outstanding
FC-DB-J has a worse debt/assets ratio than last year.
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.
FC-DB-J has a Altman-Z score of 10.86. This is in the better half of the industry: FC-DB-J outperforms 77.78% of its industry peers.
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.
With a Debt to FCF ratio value of 19.43, FC-DB-J perfoms like the industry average, outperforming 59.26% 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.
With a decent Debt to Equity ratio value of 0.47, FC-DB-J is doing good in the industry, outperforming 74.07% of the companies in the same industry.
| 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%.
Measured over the past years, FC-DB-J shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.04% on average per year.
FC-DB-J shows a decrease in Revenue. In the last year, the revenue decreased by -0.92%.
The Revenue has been growing slightly by 7.71% on average over the past years.
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.
The Revenue is expected to decrease by -5.37% on average over the next years.
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.
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 97.28, the valuation of FC-DB-J can be described as expensive.
FC-DB-J's Price/Earnings is on the same level as 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 26.35.
Based on the Price/Forward Earnings ratio of 94.91, the valuation of FC-DB-J can be described as expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FC-DB-J is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of FC-DB-J to the average of the S&P500 Index (33.72), we can say FC-DB-J is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.28 | ||
| Fwd PE | 94.91 |
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 | 357.91 | ||
| 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
FC-DB-J has a Yearly Dividend Yield of 7.90%, which is a nice return.
FC-DB-J's Dividend Yield is comparable with the industry average which is at 6.86.
FC-DB-J's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.9% |
5.2 History
The dividend of FC-DB-J decreases each year by -0.40%.
FC-DB-J does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)-0.4%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
FC-DB-J pays out 95.55% of its income as dividend. This is not a sustainable payout ratio.
DP95.55%
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)68.09M
Net Income(TTM)37.77M
Analysts84
Price Target111.86 (11.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.9% |
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)-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 | 97.28 | ||
| Fwd PE | 94.91 | ||
| P/S | 54.07 | ||
| P/FCF | 357.91 | ||
| P/OCF | 357.91 | ||
| 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 100.2 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 4 out of 10.