FIRM CAP MTG INV CORP (FC-DB-K.CA) Stock Price, Forecast & Analysis
Canada - TSX:FC-DB-K - CA318323AM44
98.6 CAD
-1.4 (-1.4%)
FC-DB-K 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-K has an excellent profitability rating, but there are some minor 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
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.
1.2 Ratios
The Return On Assets of FC-DB-K (6.31%) is better than 88.89% of its industry peers.
Looking at the Return On Equity, with a value of 8.86%, FC-DB-K is in the better half of the industry, outperforming 62.96% of the companies in the same industry.
With a decent Return On Invested Capital value of 5.84%, FC-DB-K is doing good in the industry, outperforming 62.96% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for FC-DB-K is in line with the industry average of 5.61%.
The last Return On Invested Capital (5.84%) for FC-DB-K 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
The Profit Margin of FC-DB-K (55.46%) is better than 85.19% of its industry peers.
FC-DB-K's Profit Margin has declined in the last couple of years.
FC-DB-K's Operating Margin of 70.94% is fine compared to the rest of the industry. FC-DB-K outperforms 77.78% of its industry peers.
In the last couple of years the Operating Margin of FC-DB-K has grown nicely.
The Gross Margin of FC-DB-K (73.45%) is better than 77.78% of its industry peers.
FC-DB-K's Gross Margin has improved in the last couple of years.
| 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-K has been increased compared to 1 year ago.
The number of shares outstanding for FC-DB-K has been increased compared to 5 years ago.
FC-DB-K has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 13.21 indicates that FC-DB-K is not in any danger for bankruptcy at the moment.
FC-DB-K has a better Altman-Z score (13.21) than 77.78% of its industry peers.
The Debt to FCF ratio of FC-DB-K is 16.60, which is on the high side as it means it would take FC-DB-K, 16.60 years of fcf income to pay off all of its debts.
FC-DB-K has a Debt to FCF ratio of 16.60. This is in the better half of the industry: FC-DB-K outperforms 66.67% of its industry peers.
A Debt/Equity ratio of 0.39 indicates that FC-DB-K is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.39, FC-DB-K is doing good in the industry, outperforming 77.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 16.6 | ||
| Altman-Z | 13.21 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
FC-DB-K has a Current Ratio of 2.51. This indicates that FC-DB-K is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 2.51, FC-DB-K belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
A Quick Ratio of 2.51 indicates that FC-DB-K has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 2.51, FC-DB-K belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.51 | ||
| Quick Ratio | 2.51 |
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%.
FC-DB-K shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.04% yearly.
The Revenue has decreased by -6.64% in the past year.
Measured over the past years, FC-DB-K 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-K will show a small growth in Earnings Per Share. The EPS will grow by 2.59% on average per year.
The Revenue is expected to decrease by -5.37% on average over the next years.
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
The Price/Earnings ratio is 99.60, which means the current valuation is very expensive for FC-DB-K.
Compared to the rest of the industry, the Price/Earnings ratio of FC-DB-K is on the same level as its industry peers.
FC-DB-K's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.46.
A Price/Forward Earnings ratio of 93.39 indicates a quite expensive valuation of FC-DB-K.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FC-DB-K indicates a somewhat cheap valuation: FC-DB-K is cheaper than 62.96% of the companies listed in the same industry.
FC-DB-K is valuated expensively when we compare the Price/Forward Earnings ratio to 35.39, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 99.6 | ||
| Fwd PE | 93.39 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as FC-DB-K.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 362.26 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FC-DB-K does not grow enough to justify the current Price/Earnings ratio.
The decent profitability rating of FC-DB-K may justify a higher PE ratio.
PEG (NY)16.86
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-K is a good candidate for dividend investing.
FC-DB-K's Dividend Yield is comparable with the industry average which is at 6.79.
Compared to an average S&P500 Dividend Yield of 2.44, FC-DB-K pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.95% |
5.2 History
The dividend of FC-DB-K decreases each year by -0.25%.
FC-DB-K is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)-0.25%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
FC-DB-K pays out 95.34% of its income as dividend. This is not a sustainable payout ratio.
DP95.34%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
TSX:FC-DB-K (11/18/2025, 7:00:00 PM)
98.6
-1.4 (-1.4%)
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 Cap3.62B
Revenue(TTM)65.87M
Net Income(TTM)37.76M
Analysts84
Price Target112.17 (13.76%)
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)4.22%
PT rev (3m)-1.83%
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 | 99.6 | ||
| Fwd PE | 93.39 | ||
| P/S | 53.2 | ||
| P/FCF | 362.26 | ||
| P/OCF | 362.26 | ||
| P/B | 8.5 | ||
| P/tB | 8.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.99
EY1%
EPS(NY)1.06
Fwd EY1.07%
FCF(TTM)0.27
FCFY0.28%
OCF(TTM)0.27
OCFY0.28%
SpS1.85
BVpS11.59
TBVpS11.6
PEG (NY)16.86
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 | 13.21 |
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-K.CA FAQ
What does FC-DB-K 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.
Can you provide the latest stock price for FIRM CAP MTG INV CORP?
The current stock price of FC-DB-K.CA is 98.6 CAD. The price decreased by -1.4% in the last trading session.
How is the ChartMill rating for FIRM CAP MTG INV CORP?
FC-DB-K.CA has a ChartMill Technical rating of 1 out of 10 and a ChartMill Fundamental rating of 5 out of 10.
Which stock exchange lists FC-DB-K stock?
FC-DB-K.CA stock is listed on the Toronto Stock Exchange exchange.