FIRM CAP MTG INV CORP (FC-DB-J.CA) Stock Fundamental Analysis
TSX:FC-DB-J - Toronto Stock Exchange - CA318323AL60 - Currency: CAD
FC-DB-J gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 32 industry peers in the Financial Services industry. While FC-DB-J has a great profitability rating, there are some minor concerns on its financial health. FC-DB-J is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
FC-DB-J had positive earnings in the past year.
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.
Each year in the past 5 years FC-DB-J had a positive operating cash flow.
1.2 Ratios
FC-DB-J has a Return On Assets of 5.55%. This is in the better half of the industry: FC-DB-J outperforms 78.13% of its industry peers.
FC-DB-J's Return On Equity of 8.10% is in line compared to the rest of the industry. FC-DB-J outperforms 46.88% of its industry peers.
FC-DB-J has a Return On Invested Capital (5.81%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FC-DB-J is in line with the industry average of 5.84%.
The last Return On Invested Capital (5.81%) for FC-DB-J is above the 3 year average (4.61%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.55% | ||
| ROE | 8.1% | ||
| ROIC | 5.81% |
ROA(3y)5.13%
ROA(5y)5.19%
ROE(3y)8.16%
ROE(5y)8.21%
ROIC(3y)4.61%
ROIC(5y)4.39%
1.3 Margins
With a decent Profit Margin value of 48.76%, FC-DB-J is doing good in the industry, outperforming 78.13% 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 better Operating Margin (70.12%) than 65.63% 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 Gross Margin of 72.53%. This is in the better half of the industry: FC-DB-J outperforms 71.88% 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 | 70.12% | ||
| PM (TTM) | 48.76% | ||
| GM | 72.53% |
OM growth 3Y3.14%
OM growth 5Y3.51%
PM growth 3Y-7.3%
PM growth 5Y-2.68%
GM growth 3Y1.84%
GM growth 5Y3.48%
2. Health
2.1 Basic Checks
The number of shares outstanding for FC-DB-J remains at a similar level compared to 1 year ago.
FC-DB-J has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, FC-DB-J has an improved debt to assets ratio.
2.2 Solvency
FC-DB-J has an Altman-Z score of 11.57. This indicates that FC-DB-J is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 11.57, FC-DB-J belongs to the best of the industry, outperforming 81.25% of the companies in the same industry.
The Debt to FCF ratio of FC-DB-J is 2.96, which is a good value as it means it would take FC-DB-J, 2.96 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FC-DB-J (2.96) is better than 78.13% of its industry peers.
A Debt/Equity ratio of 0.44 indicates that FC-DB-J is not too dependend on debt financing.
FC-DB-J's Debt to Equity ratio of 0.44 is fine compared to the rest of the industry. FC-DB-J outperforms 68.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 2.96 | ||
| Altman-Z | 11.57 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.12 indicates that FC-DB-J may have some problems paying its short term obligations.
FC-DB-J's Current ratio of 0.12 is on the low side compared to the rest of the industry. FC-DB-J is outperformed by 68.75% of its industry peers.
FC-DB-J has a Quick Ratio of 0.12. 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's Quick ratio of 0.12 is on the low side compared to the rest of the industry. FC-DB-J is outperformed by 68.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.12 | ||
| Quick Ratio | 0.12 |
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 1.97%.
FC-DB-J shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.45% yearly.
The Revenue has decreased by -0.69% in the past year.
FC-DB-J shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.73% yearly.
EPS 1Y (TTM)1.97%
EPS 3Y2.34%
EPS 5Y0.45%
EPS Q2Q%0.4%
Revenue 1Y (TTM)-0.69%
Revenue growth 3Y17.63%
Revenue growth 5Y8.73%
Sales Q2Q%3.67%
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 1.80% on average per year.
The Revenue is expected to decrease by -8.14% on average over the next years.
EPS Next Y3.42%
EPS Next 2Y2.21%
EPS Next 3Y1.8%
EPS Next 5YN/A
Revenue Next Year-6.63%
Revenue Next 2Y-9.39%
Revenue Next 3Y-8.14%
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.
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
The Price/Earnings ratio is 101.02, which means the current valuation is very expensive for FC-DB-J.
The rest of the industry has a similar Price/Earnings ratio as FC-DB-J.
FC-DB-J's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 29.35.
A Price/Forward Earnings ratio of 97.10 indicates a quite expensive valuation of FC-DB-J.
The rest of the industry has a similar Price/Forward Earnings ratio as FC-DB-J.
FC-DB-J's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.10.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 101.02 | ||
| Fwd PE | 97.1 |
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 | 57.93 | ||
| 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)29.56
PEG (5Y)223.34
EPS Next 2Y2.21%
EPS Next 3Y1.8%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.90%, FC-DB-J is a good candidate for dividend investing.
FC-DB-J's Dividend Yield is a higher than the industry average which is at 8.05.
Compared to an average S&P500 Dividend Yield of 2.33, FC-DB-J pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.9% |
5.2 History
The dividend of FC-DB-J decreases each year by -1.14%.
FC-DB-J is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)-1.14%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
99.77% of the earnings are spent on dividend by FC-DB-J. This is not a sustainable payout ratio.
DP99.77%
EPS Next 2Y2.21%
EPS Next 3Y1.8%
TSX:FC-DB-J (3/6/2025, 7:00:00 PM)
100.01
+0.01 (+0.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners2.08%
Inst Owner ChangeN/A
Ins Owners2.28%
Ins Owner ChangeN/A
Market Cap3.67B
Analysts84
Price Target114.76 (14.75%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.9% |
Yearly Dividend0.95
Dividend Growth(5Y)-1.14%
DP99.77%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.11%
Min EPS beat(2)-13.31%
Max EPS beat(2)-0.91%
EPS beat(4)0
Avg EPS beat(4)-6.18%
Min EPS beat(4)-13.31%
Max EPS beat(4)-0.91%
EPS beat(8)1
Avg EPS beat(8)-6%
EPS beat(12)1
Avg EPS beat(12)-5.62%
EPS beat(16)3
Avg EPS beat(16)-4.19%
Revenue beat(2)2
Avg Revenue beat(2)4.11%
Min Revenue beat(2)2.87%
Max Revenue beat(2)5.34%
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 101.02 | ||
| Fwd PE | 97.1 | ||
| P/S | 52.07 | ||
| P/FCF | 57.93 | ||
| P/OCF | 57.93 | ||
| P/B | 8.65 | ||
| P/tB | 8.65 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.99
EY0.99%
EPS(NY)1.03
Fwd EY1.03%
FCF(TTM)1.73
FCFY1.73%
OCF(TTM)1.73
OCFY1.73%
SpS1.92
BVpS11.57
TBVpS11.57
PEG (NY)29.56
PEG (5Y)223.34
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.55% | ||
| ROE | 8.1% | ||
| ROCE | 8.86% | ||
| ROIC | 5.81% | ||
| ROICexc | 5.81% | ||
| ROICexgc | 5.81% | ||
| OM | 70.12% | ||
| PM (TTM) | 48.76% | ||
| GM | 72.53% | ||
| FCFM | 89.88% |
ROA(3y)5.13%
ROA(5y)5.19%
ROE(3y)8.16%
ROE(5y)8.21%
ROIC(3y)4.61%
ROIC(5y)4.39%
ROICexc(3y)4.64%
ROICexc(5y)4.41%
ROICexgc(3y)4.64%
ROICexgc(5y)4.41%
ROCE(3y)6.99%
ROCE(5y)6.65%
ROICexcg growth 3Y19.97%
ROICexcg growth 5Y8.63%
ROICexc growth 3Y19.97%
ROICexc growth 5Y8.63%
OM growth 3Y3.14%
OM growth 5Y3.51%
PM growth 3Y-7.3%
PM growth 5Y-2.68%
GM growth 3Y1.84%
GM growth 5Y3.48%
F-Score6
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 2.96 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.82 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 184.34% | ||
| Current Ratio | 0.12 | ||
| Quick Ratio | 0.12 | ||
| Altman-Z | 11.57 |
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)161.08%
Profit Quality(5y)154.37%
High Growth Momentum
Growth
EPS 1Y (TTM)1.97%
EPS 3Y2.34%
EPS 5Y0.45%
EPS Q2Q%0.4%
EPS Next Y3.42%
EPS Next 2Y2.21%
EPS Next 3Y1.8%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.69%
Revenue growth 3Y17.63%
Revenue growth 5Y8.73%
Sales Q2Q%3.67%
Revenue Next Year-6.63%
Revenue Next 2Y-9.39%
Revenue Next 3Y-8.14%
Revenue Next 5YN/A
EBIT growth 1Y2.09%
EBIT growth 3Y21.32%
EBIT growth 5Y12.55%
EBIT Next Year-1.67%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y32.52%
FCF growth 3Y18.87%
FCF growth 5Y9.13%
OCF growth 1Y32.52%
OCF growth 3Y18.87%
OCF growth 5Y9.13%