FIRM CAP MTG INV CORP (FC-DB-K.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:FC-DB-K - CA318323AM44
100.74 CAD
+0.04 (+0.04%)
We assign a fundamental rating of 4 out of 10 to FC-DB-K. FC-DB-K was compared to 28 industry peers in the Financial Services industry. Both the profitability and the financial health of FC-DB-K get a neutral evaluation. Nothing too spectacular is happening here. 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.
FC-DB-K had a positive operating cash flow in the past year.
Each year in the past 5 years FC-DB-K has been profitable.
Of the past 5 years FC-DB-K 4 years had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 6.32%, FC-DB-K is doing good in the industry, outperforming 78.57% of the companies in the same industry.
FC-DB-K has a Return On Equity of 8.87%. This is comparable to the rest of the industry: FC-DB-K outperforms 57.14% of its industry peers.
With a decent Return On Invested Capital value of 5.85%, FC-DB-K is doing good in the industry, outperforming 60.71% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for FC-DB-K is below the industry average of 7.35%.
The 3 year average ROIC (5.27%) for FC-DB-K 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
FC-DB-K's Profit Margin of 55.47% is fine compared to the rest of the industry. FC-DB-K outperforms 71.43% of its industry peers.
In the last couple of years the Profit Margin of FC-DB-K has declined.
FC-DB-K's Operating Margin of 70.96% is fine compared to the rest of the industry. FC-DB-K outperforms 78.57% of its industry peers.
FC-DB-K's Operating Margin has improved in the last couple of years.
FC-DB-K's Gross Margin of 73.45% is fine compared to the rest of the industry. FC-DB-K outperforms 71.43% of its industry peers.
In the last couple of years the Gross Margin of FC-DB-K 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
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.
Compared to 1 year ago, FC-DB-K has a worse debt to assets ratio.
2.2 Solvency
FC-DB-K has an Altman-Z score of 13.31. This indicates that FC-DB-K is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 13.31, FC-DB-K belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
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.
Looking at the Debt to FCF ratio, with a value of 16.79, FC-DB-K is in line with its industry, outperforming 57.14% of the companies in the same industry.
FC-DB-K has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of FC-DB-K (0.39) is better than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 16.79 | ||
| Altman-Z | 13.31 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 2.51 indicates that FC-DB-K has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 2.51, FC-DB-K belongs to the top of the industry, outperforming 82.14% 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.
Looking at the Quick ratio, with a value of 2.51, FC-DB-K belongs to the top of the industry, outperforming 82.14% 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 3.96%.
FC-DB-K shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.04% yearly.
FC-DB-K shows a decrease in Revenue. In the last year, the revenue decreased by -6.64%.
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)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
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.
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
With a Price/Earnings ratio of 98.76, FC-DB-K can be considered very expensive at the moment.
The rest of the industry has a similar Price/Earnings ratio as FC-DB-K.
Compared to an average S&P500 Price/Earnings ratio of 27.25, FC-DB-K is valued quite expensively.
With a Price/Forward Earnings ratio of 95.89, FC-DB-K can be considered very expensive at the moment.
FC-DB-K's Price/Forward Earnings ratio is in line with the industry average.
FC-DB-K is valuated expensively when we compare the Price/Forward Earnings ratio to 23.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.76 | ||
| Fwd PE | 95.89 |
4.2 Price Multiples
60.71% of the companies in the same industry are cheaper than FC-DB-K, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 374.27 | ||
| 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)16.87
PEG (5Y)N/A
EPS Next 2Y2.91%
EPS Next 3Y2.18%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.79%, FC-DB-K is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.69, FC-DB-K pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.92, FC-DB-K pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.79% |
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
95.98% of the earnings are spent on dividend by FC-DB-K. This is not a sustainable payout ratio.
DP95.98%
EPS Next 2Y2.91%
EPS Next 3Y2.18%
TSX:FC-DB-K (1/9/2026, 7:00:00 PM)
100.74
+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 Cap3.70B
Revenue(TTM)65.87M
Net Income(TTM)37.77M
Analysts84
Price Target112.38 (11.55%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.79% |
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)-2.35%
PT rev (3m)4.41%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.76 | ||
| Fwd PE | 95.89 | ||
| P/S | 54.36 | ||
| P/FCF | 374.27 | ||
| P/OCF | 374.27 | ||
| P/B | 8.69 | ||
| P/tB | 8.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.02
EY1.01%
EPS(NY)1.05
Fwd EY1.04%
FCF(TTM)0.27
FCFY0.27%
OCF(TTM)0.27
OCFY0.27%
SpS1.85
BVpS11.59
TBVpS11.6
PEG (NY)16.87
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 | 13.31 |
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 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.
What is the stock price of FIRM CAP MTG INV CORP today?
The current stock price of FC-DB-K.CA is 100.74 CAD. The price increased by 0.04% 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 6 out of 10 and a ChartMill Fundamental rating of 4 out of 10.
Where is FIRM CAP MTG INV CORP (FC-DB-K.CA) stock traded?
FC-DB-K.CA stock is listed on the Toronto Stock Exchange exchange.