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 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 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.
FC-DB-J had positive earnings in each of the past 5 years.
FC-DB-J had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
FC-DB-J has a better Return On Assets (6.32%) than 85.71% of its industry peers.
FC-DB-J has a better Return On Equity (8.87%) than 60.71% of its industry peers.
FC-DB-J's Return On Invested Capital of 5.85% is fine compared to the rest of the industry. FC-DB-J outperforms 60.71% 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 5.58%.
The 3 year average ROIC (5.27%) for FC-DB-J is below the current ROIC(5.85%), indicating increased profibility in the last year.
| 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
Looking at the Profit Margin, with a value of 55.47%, FC-DB-J belongs to the top of the industry, outperforming 82.14% of the companies in the same industry.
In the last couple of years the Profit Margin of FC-DB-J has declined.
Looking at the Operating Margin, with a value of 70.96%, FC-DB-J is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
FC-DB-J's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 73.45%, FC-DB-J is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
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
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's Altman-Z score of 13.24 is amongst the best of the industry. FC-DB-J outperforms 82.14% of its industry peers.
The Debt to FCF ratio of FC-DB-J is 16.79, which is on the high side as it means it would take FC-DB-J, 16.79 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 16.79, FC-DB-J is doing good in the industry, outperforming 60.71% of the companies in the same industry.
A Debt/Equity ratio of 0.39 indicates that FC-DB-J is not too dependend on debt financing.
FC-DB-J has a better Debt to Equity ratio (0.39) 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's Current ratio of 2.51 is amongst the best of 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
FC-DB-J shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.96%.
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 -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.
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
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
A Price/Earnings ratio of 98.27 indicates a quite expensive valuation of FC-DB-J.
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 (25.65), we can say FC-DB-J is valued expensively.
With a Price/Forward Earnings ratio of 94.95, FC-DB-J can be considered very expensive at the moment.
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 (34.45), we can say FC-DB-J is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.27 | ||
| Fwd PE | 94.95 |
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 | 372.41 | ||
| 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)16.64
PEG (5Y)N/A
EPS Next 2Y3.16%
EPS Next 3Y2.59%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.06%, 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 6.89.
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 (11/19/2025, 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)37.77M
Analysts84
Price Target111.86 (11.59%)
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 | 98.27 | ||
| Fwd PE | 94.95 | ||
| P/S | 54.09 | ||
| P/FCF | 372.41 | ||
| P/OCF | 372.41 | ||
| P/B | 8.65 | ||
| P/tB | 8.65 | ||
| 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)16.64
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 100.24 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.