FIRM CAP MTG INV CORP (FC-DB-J.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:FC-DB-J - CA318323AL60
100.24 CAD
+0.04 (+0.04%)
FC-DB-J gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 27 industry peers in the Financial Services industry. FC-DB-J scores excellent points on both the profitability and health parts. This is a solid base for a good stock. 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.
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
With an excellent Return On Assets value of 6.31%, FC-DB-J belongs to the best of the industry, outperforming 85.19% of the companies in the same industry.
FC-DB-J's Return On Equity of 8.86% is in line compared to the rest of the industry. FC-DB-J outperforms 59.26% of its industry peers.
FC-DB-J's Return On Invested Capital of 5.84% is in line compared to the rest of the industry. FC-DB-J outperforms 59.26% of 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 5.61%.
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
FC-DB-J's Profit Margin of 55.46% is amongst the best of the industry. FC-DB-J outperforms 81.48% of its industry peers.
In the last couple of years the Profit Margin of FC-DB-J has declined.
With a decent Operating Margin value of 70.94%, FC-DB-J is doing good in the industry, outperforming 74.07% of the companies in the same industry.
In the last couple of years the Operating Margin of FC-DB-J has grown nicely.
FC-DB-J's Gross Margin of 73.45% is fine compared to the rest of the industry. FC-DB-J outperforms 74.07% 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 | 70.94% | ||
| 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.
FC-DB-J has more shares outstanding than it did 5 years ago.
FC-DB-J has a worse debt/assets ratio than last year.
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 has a Altman-Z score of 13.24. This is amongst the best in the industry. FC-DB-J outperforms 81.48% of its industry peers.
FC-DB-J has a debt to FCF ratio of 16.60. This is a negative value and a sign of low solvency as FC-DB-J would need 16.60 years to pay back of all of its debts.
FC-DB-J has a Debt to FCF ratio of 16.60. This is in the better half of the industry: FC-DB-J outperforms 62.96% of its industry peers.
A Debt/Equity ratio of 0.39 indicates that FC-DB-J is not too dependend on debt financing.
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 74.07% 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 has a better Current ratio (2.51) than 85.19% 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 85.19% 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 0.61% over the past year.
The Earnings Per Share has been decreasing by -0.04% on average over the past years.
The Revenue has decreased by -6.64% in the past year.
Measured over the past years, FC-DB-J shows a small growth in Revenue. The Revenue has been growing by 7.71% on average per year.
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
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.
Based on estimates for the next years, FC-DB-J will show a decrease in Revenue. The Revenue will decrease by -5.37% on average per year.
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.
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 101.25.
FC-DB-J's Price/Earnings ratio is in line with 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 25.45.
A Price/Forward Earnings ratio of 94.95 indicates a quite expensive valuation of FC-DB-J.
FC-DB-J's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 34.46. FC-DB-J is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 101.25 | ||
| Fwd PE | 94.95 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as FC-DB-J.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 368.28 | ||
| 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.
The decent profitability rating of FC-DB-J may justify a higher PE ratio.
PEG (NY)17.14
PEG (5Y)N/A
EPS Next 2Y3.16%
EPS Next 3Y2.59%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.95%, FC-DB-J is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.79, FC-DB-J has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.45, FC-DB-J pays a better dividend.
| 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
95.34% of the earnings are spent on dividend by FC-DB-J. This is not a sustainable payout ratio.
DP95.34%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
TSX:FC-DB-J (11/19/2025, 7:00:00 PM)
100.24
+0.04 (+0.04%)
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 (11.59%)
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 | 101.25 | ||
| Fwd PE | 94.95 | ||
| P/S | 54.09 | ||
| P/FCF | 368.28 | ||
| P/OCF | 368.28 | ||
| P/B | 8.65 | ||
| P/tB | 8.65 | ||
| 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)17.14
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 100.24 CAD. The price increased by 0.04% 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 5 out of 10 and a ChartMill Fundamental rating of 5 out of 10.