FIRM CAP MTG INV CORP (FC-DB-K.CA) Stock Fundamental Analysis

Canada • Toronto Stock Exchange • TSX:FC-DB-K • CA318323AM44

100.03 CAD
+0.52 (+0.52%)
Last: Feb 10, 2026, 07:00 PM
Overview Stock Chart Technical Analysis News
Fundamental Rating

4

Taking everything into account, FC-DB-K scores 4 out of 10 in our fundamental rating. FC-DB-K was compared to 27 industry peers in the Financial Services industry. FC-DB-K has only an average score on both its financial health and profitability. FC-DB-K is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • FC-DB-K had positive earnings in the past year.
  • In the past year FC-DB-K had a positive cash flow from operations.
  • FC-DB-K had positive earnings in each of the past 5 years.
  • FC-DB-K had a positive operating cash flow in 4 of the past 5 years.
FC-DB-K.CA Yearly Net Income VS EBIT VS OCF VS FCFFC-DB-K.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M

1.2 Ratios

  • The Return On Assets of FC-DB-K (6.32%) is better than 77.78% of its industry peers.
  • With a Return On Equity value of 8.87%, FC-DB-K perfoms like the industry average, outperforming 59.26% of the companies in the same industry.
  • FC-DB-K has a Return On Invested Capital of 5.85%. This is comparable to the rest of the industry: FC-DB-K outperforms 59.26% of its industry peers.
  • FC-DB-K had an Average Return On Invested Capital over the past 3 years of 5.27%. This is below the industry average of 8.08%.
  • The last Return On Invested Capital (5.85%) for FC-DB-K is above the 3 year average (5.27%), which is a sign of increasing profitability.
Industry RankSector 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%
FC-DB-K.CA Yearly ROA, ROE, ROICFC-DB-K.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • FC-DB-K's Profit Margin of 55.47% is fine compared to the rest of the industry. FC-DB-K outperforms 74.07% of its industry peers.
  • In the last couple of years the Profit Margin of FC-DB-K has declined.
  • FC-DB-K has a better Operating Margin (70.96%) than 81.48% of its industry peers.
  • FC-DB-K's Operating Margin has improved in the last couple of years.
  • With a decent Gross Margin value of 73.45%, FC-DB-K is doing good in the industry, outperforming 74.07% of the companies in the same industry.
  • FC-DB-K's Gross Margin has improved in the last couple of years.
Industry RankSector 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%
FC-DB-K.CA Yearly Profit, Operating, Gross MarginsFC-DB-K.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, FC-DB-K has more shares outstanding
  • The number of shares outstanding for FC-DB-K has been increased compared to 5 years ago.
  • The debt/assets ratio for FC-DB-K is higher compared to a year ago.
FC-DB-K.CA Yearly Shares OutstandingFC-DB-K.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
FC-DB-K.CA Yearly Total Debt VS Total AssetsFC-DB-K.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.2 Solvency

  • FC-DB-K has an Altman-Z score of 13.15. This indicates that FC-DB-K is financially healthy and has little risk of bankruptcy at the moment.
  • FC-DB-K's Altman-Z score of 13.15 is amongst the best of the industry. FC-DB-K outperforms 88.89% of its industry peers.
  • The Debt to FCF ratio of FC-DB-K is 16.79, which is on the high side as it means it would take FC-DB-K, 16.79 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of FC-DB-K (16.79) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.39 indicates that FC-DB-K is not too dependend on debt financing.
  • FC-DB-K's Debt to Equity ratio of 0.39 is fine compared to the rest of the industry. FC-DB-K outperforms 74.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 16.79
Altman-Z 13.15
ROIC/WACCN/A
WACCN/A
FC-DB-K.CA Yearly LT Debt VS Equity VS FCFFC-DB-K.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

2.3 Liquidity

  • A Current Ratio of 2.51 indicates that FC-DB-K has no problem at all paying its short term obligations.
  • FC-DB-K has a Current ratio of 2.51. This is amongst the best in the industry. FC-DB-K outperforms 85.19% of its industry peers.
  • FC-DB-K has a Quick Ratio of 2.51. This indicates that FC-DB-K is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 2.51, FC-DB-K belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.51
Quick Ratio 2.51
FC-DB-K.CA Yearly Current Assets VS Current LiabilitesFC-DB-K.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 3.96% over the past year.
  • FC-DB-K shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.04% yearly.
  • Looking at the last year, FC-DB-K shows a decrease in Revenue. The Revenue has decreased by -6.64% in the last year.
  • The Revenue has been growing slightly by 7.71% on average over the past years.
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

  • The Earnings Per Share is expected to grow by 2.18% on average over the next years.
  • FC-DB-K is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -5.64% yearly.
EPS Next Y5.86%
EPS Next 2Y2.91%
EPS Next 3Y2.18%
EPS Next 5YN/A
Revenue Next Year-5.58%
Revenue Next 2Y-7.81%
Revenue Next 3Y-5.64%
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.
FC-DB-K.CA Yearly Revenue VS EstimatesFC-DB-K.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M
FC-DB-K.CA Yearly EPS VS EstimatesFC-DB-K.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 98.07, FC-DB-K can be considered very expensive at the moment.
  • Compared to the rest of the industry, the Price/Earnings ratio of FC-DB-K is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 28.03. FC-DB-K is valued rather expensively when compared to this.
  • Based on the Price/Forward Earnings ratio of 95.21, the valuation of FC-DB-K can be described as expensive.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FC-DB-K is on the same level as its industry peers.
  • FC-DB-K's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.97.
Industry RankSector Rank
PE 98.07
Fwd PE 95.21
FC-DB-K.CA Price Earnings VS Forward Price EarningsFC-DB-K.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FC-DB-K is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 371.63
EV/EBITDA N/A
FC-DB-K.CA Per share dataFC-DB-K.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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)16.75
PEG (5Y)N/A
EPS Next 2Y2.91%
EPS Next 3Y2.18%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • FC-DB-K has a Yearly Dividend Yield of 7.68%, which is a nice return.
  • Compared to an average industry Dividend Yield of 5.61, FC-DB-K pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, FC-DB-K pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.68%

5.2 History

  • The dividend of FC-DB-K decreases each year by -0.40%.
  • FC-DB-K 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-K pays out 95.98% of its income as dividend. This is not a sustainable payout ratio.
DP95.98%
EPS Next 2Y2.91%
EPS Next 3Y2.18%
FC-DB-K.CA Yearly Income VS Free CF VS DividendFC-DB-K.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M
FC-DB-K.CA Dividend Payout.FC-DB-K.CA Dividend Payout, showing the Payout Ratio.FC-DB-K.CA Dividend Payout.PayoutRetained Earnings

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FIRM CAP MTG INV CORP

TSX:FC-DB-K (2/10/2026, 7:00:00 PM)

100.03

+0.52 (+0.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04
Earnings (Next)03-30
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 Target110.14 (10.11%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.68%
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)-2%
PT rev (3m)-1.82%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.69%
Valuation
Industry RankSector Rank
PE 98.07
Fwd PE 95.21
P/S 53.98
P/FCF 371.63
P/OCF 371.63
P/B 8.63
P/tB 8.63
EV/EBITDA N/A
EPS(TTM)1.02
EY1.02%
EPS(NY)1.05
Fwd EY1.05%
FCF(TTM)0.27
FCFY0.27%
OCF(TTM)0.27
OCFY0.27%
SpS1.85
BVpS11.59
TBVpS11.6
PEG (NY)16.75
PEG (5Y)N/A
Graham Number16.31
Profitability
Industry RankSector 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 RankSector 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 13.15
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 Y5.86%
EPS Next 2Y2.91%
EPS Next 3Y2.18%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.64%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.14%
Revenue Next Year-5.58%
Revenue Next 2Y-7.81%
Revenue Next 3Y-5.64%
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-K.CA FAQ

What is the fundamental rating for FC-DB-K stock?

ChartMill assigns a fundamental rating of 4 / 10 to FC-DB-K.CA.


What is the valuation status of FIRM CAP MTG INV CORP (FC-DB-K.CA) stock?

ChartMill assigns a valuation rating of 2 / 10 to FIRM CAP MTG INV CORP (FC-DB-K.CA). This can be considered as Overvalued.


Can you provide the profitability details for FIRM CAP MTG INV CORP?

FIRM CAP MTG INV CORP (FC-DB-K.CA) has a profitability rating of 6 / 10.


Can you provide the financial health for FC-DB-K stock?

The financial health rating of FIRM CAP MTG INV CORP (FC-DB-K.CA) is 6 / 10.


How sustainable is the dividend of FIRM CAP MTG INV CORP (FC-DB-K.CA) stock?

The dividend rating of FIRM CAP MTG INV CORP (FC-DB-K.CA) is 3 / 10 and the dividend payout ratio is 95.98%.