FIRM CAP MTG INV CORP (FC-DB-K.CA) Stock Price, Quote, News and Overview
TSX:FC-DB-K - Toronto Stock Exchange - CA318323AM44 - Currency: CAD
FC-DB-K gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 28 industry peers in the Financial Services industry. While FC-DB-K has a great profitability rating, there are quite some concerns on its financial health. FC-DB-K has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year FC-DB-K was profitable.
In the past year FC-DB-K has reported a negative cash flow from operations.
FC-DB-K had positive earnings in each of the past 5 years.
Of the past 5 years FC-DB-K 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of FC-DB-K (5.58%) is better than 67.86% of its industry peers.
FC-DB-K has a Return On Equity (8.32%) which is comparable to the rest of the industry.
FC-DB-K's Return On Invested Capital of 5.56% is fine compared to the rest of the industry. FC-DB-K outperforms 60.71% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FC-DB-K is in line with the industry average of 5.22%.
The 3 year average ROIC (5.27%) for FC-DB-K is below the current ROIC(5.56%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.58% | ||
| ROE | 8.32% | ||
| ROIC | 5.56% |
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-K's Profit Margin of 51.33% is amongst the best of the industry. FC-DB-K outperforms 82.14% of its industry peers.
FC-DB-K's Profit Margin has declined in the last couple of years.
With a decent Operating Margin value of 70.17%, FC-DB-K is doing good in the industry, outperforming 67.86% of the companies in the same industry.
FC-DB-K's Operating Margin has improved in the last couple of years.
FC-DB-K has a better Gross Margin (72.66%) than 75.00% of its industry peers.
FC-DB-K's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 70.17% | ||
| PM (TTM) | 51.33% | ||
| GM | 72.66% |
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-K has more shares outstanding
Compared to 5 years ago, FC-DB-K has more shares outstanding
The debt/assets ratio for FC-DB-K is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 10.74 indicates that FC-DB-K is not in any danger for bankruptcy at the moment.
FC-DB-K's Altman-Z score of 10.74 is amongst the best of the industry. FC-DB-K outperforms 82.14% of its industry peers.
FC-DB-K has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.47, FC-DB-K is in the better half of the industry, outperforming 78.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 10.74 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
FC-DB-K has a Current Ratio of 0.11. This is a bad value and indicates that FC-DB-K is not financially healthy enough and could expect problems in meeting its short term obligations.
FC-DB-K's Current ratio of 0.11 is in line compared to the rest of the industry. FC-DB-K outperforms 53.57% of its industry peers.
FC-DB-K has a Quick Ratio of 0.11. This is a bad value and indicates that FC-DB-K is not financially healthy enough and could expect problems in meeting its short term obligations.
FC-DB-K has a Quick ratio (0.11) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 |
3. Growth
3.1 Past
FC-DB-K shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.61%.
The Earnings Per Share has been decreasing by -0.04% on average over the past years.
The Revenue has decreased by -4.55% in the past year.
FC-DB-K shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.71% yearly.
EPS 1Y (TTM)0.61%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%2.9%
Revenue 1Y (TTM)-4.55%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-10.64%
3.2 Future
The Earnings Per Share is expected to grow by 2.91% on average over the next years.
The Revenue is expected to decrease by -8.26% on average over the next years.
EPS Next Y3.83%
EPS Next 2Y2.91%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-10.67%
Revenue Next 2Y-8.26%
Revenue Next 3YN/A
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
Based on the Price/Earnings ratio of 100.51, the valuation of FC-DB-K can be described as expensive.
Based on the Price/Earnings ratio, FC-DB-K is valued a bit more expensive than the industry average as 60.71% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 27.21. FC-DB-K is valued rather expensively when compared to this.
With a Price/Forward Earnings ratio of 96.60, FC-DB-K can be considered very expensive at the moment.
The rest of the industry has a similar Price/Forward Earnings ratio as FC-DB-K.
When comparing the Price/Forward Earnings ratio of FC-DB-K to the average of the S&P500 Index (21.70), we can say FC-DB-K is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 100.51 | ||
| Fwd PE | 96.6 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| 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-K has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)26.24
PEG (5Y)N/A
EPS Next 2Y2.91%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.66%, FC-DB-K is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 7.22, FC-DB-K has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.42, FC-DB-K pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.66% |
5.2 History
The dividend of FC-DB-K decreases each year by -0.40%.
FC-DB-K 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
98.91% of the earnings are spent on dividend by FC-DB-K. This is not a sustainable payout ratio.
DP98.91%
EPS Next 2Y2.91%
EPS Next 3YN/A
TSX:FC-DB-K (6/30/2025, 7:00:00 PM)
99.5
+0.5 (+0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.61%
Inst Owner ChangeN/A
Ins Owners2.2%
Ins Owner ChangeN/A
Market Cap3.66B
Analysts84
Price Target111.05 (11.61%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.66% |
Yearly Dividend0.98
Dividend Growth(5Y)-0.4%
DP98.91%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.62%
Min EPS beat(2)-13.31%
Max EPS beat(2)-1.92%
EPS beat(4)0
Avg EPS beat(4)-5.06%
Min EPS beat(4)-13.31%
Max EPS beat(4)-0.91%
EPS beat(8)1
Avg EPS beat(8)-4.15%
EPS beat(12)1
Avg EPS beat(12)-5.62%
EPS beat(16)2
Avg EPS beat(16)-4.65%
Revenue beat(2)1
Avg Revenue beat(2)1.22%
Min Revenue beat(2)-2.91%
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)-3.45%
PT rev (3m)-5.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.4%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 100.51 | ||
| Fwd PE | 96.6 | ||
| P/S | 53.26 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 8.63 | ||
| P/tB | 8.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.99
EY0.99%
EPS(NY)1.03
Fwd EY1.04%
FCF(TTM)-0.37
FCFYN/A
OCF(TTM)-0.37
OCFYN/A
SpS1.87
BVpS11.52
TBVpS11.52
PEG (NY)26.24
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.58% | ||
| ROE | 8.32% | ||
| ROCE | 8.65% | ||
| ROIC | 5.56% | ||
| ROICexc | 5.56% | ||
| ROICexgc | 5.56% | ||
| OM | 70.17% | ||
| PM (TTM) | 51.33% | ||
| GM | 72.66% | ||
| FCFM | N/A |
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%
ROICexcg growth 3Y16%
ROICexcg 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-Score3
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.83 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 | ||
| Altman-Z | 10.74 |
F-Score3
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%2.9%
EPS Next Y3.83%
EPS Next 2Y2.91%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.55%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-10.64%
Revenue Next Year-10.67%
Revenue Next 2Y-8.26%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-2.8%
EBIT growth 3Y15.28%
EBIT growth 5Y10.11%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-121.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-121.68%
OCF growth 3YN/A
OCF growth 5YN/A