FIRM CAP MTG INV CORP (FC-DB-K.CA) Stock Fundamental Analysis
TSX:FC-DB-K - Toronto Stock Exchange - CA318323AM44 - Currency: CAD
Overall FC-DB-K gets a fundamental rating of 5 out of 10. We evaluated FC-DB-K against 32 industry peers in the Financial Services industry. FC-DB-K scores excellent on profitability, 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
In the past year FC-DB-K was profitable.
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.
Each year in the past 5 years FC-DB-K had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 5.55%, FC-DB-K belongs to the best of the industry, outperforming 84.38% of the companies in the same industry.
FC-DB-K has a Return On Equity of 8.10%. This is comparable to the rest of the industry: FC-DB-K outperforms 53.13% of its industry peers.
FC-DB-K has a Return On Invested Capital of 5.81%. This is comparable to the rest of the industry: FC-DB-K outperforms 59.38% of its industry peers.
FC-DB-K had an Average Return On Invested Capital over the past 3 years of 4.61%. This is in line with the industry average of 5.84%.
The 3 year average ROIC (4.61%) for FC-DB-K is below the current ROIC(5.81%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.55% | ||
| ROE | 8.1% | ||
| ROIC | 5.81% |
ROA(3y)5.13%
ROA(5y)5.19%
ROE(3y)8.16%
ROE(5y)8.21%
ROIC(3y)4.61%
ROIC(5y)4.39%
1.3 Margins
The Profit Margin of FC-DB-K (48.76%) is better than 84.38% of its industry peers.
In the last couple of years the Profit Margin of FC-DB-K has declined.
FC-DB-K has a Operating Margin of 70.12%. This is in the better half of the industry: FC-DB-K outperforms 71.88% of its industry peers.
FC-DB-K's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 72.53%, FC-DB-K is in the better half of the industry, outperforming 78.13% of the companies in the same industry.
FC-DB-K's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 70.12% | ||
| PM (TTM) | 48.76% | ||
| GM | 72.53% |
OM growth 3Y3.14%
OM growth 5Y3.51%
PM growth 3Y-7.3%
PM growth 5Y-2.68%
GM growth 3Y1.84%
GM growth 5Y3.48%
2. Health
2.1 Basic Checks
FC-DB-K has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, FC-DB-K has more shares outstanding
The debt/assets ratio for FC-DB-K has been reduced compared to a year ago.
2.2 Solvency
FC-DB-K has an Altman-Z score of 11.42. This indicates that FC-DB-K is financially healthy and has little risk of bankruptcy at the moment.
FC-DB-K has a Altman-Z score of 11.42. This is in the better half of the industry: FC-DB-K outperforms 75.00% of its industry peers.
The Debt to FCF ratio of FC-DB-K is 2.96, which is a good value as it means it would take FC-DB-K, 2.96 years of fcf income to pay off all of its debts.
FC-DB-K has a better Debt to FCF ratio (2.96) than 84.38% of its industry peers.
FC-DB-K has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.44, FC-DB-K is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 2.96 | ||
| Altman-Z | 11.42 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
FC-DB-K has a Current Ratio of 0.12. 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.
The Current ratio of FC-DB-K (0.12) is worse than 62.50% of its industry peers.
FC-DB-K has a Quick Ratio of 0.12. 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.
Looking at the Quick ratio, with a value of 0.12, FC-DB-K is doing worse than 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.12 | ||
| Quick Ratio | 0.12 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 1.97% over the past year.
The Earnings Per Share has been growing slightly by 0.45% on average over the past years.
The Revenue has decreased by -0.69% in the past year.
Measured over the past years, FC-DB-K shows a quite strong growth in Revenue. The Revenue has been growing by 8.73% on average per year.
EPS 1Y (TTM)1.97%
EPS 3Y2.34%
EPS 5Y0.45%
EPS Q2Q%0.4%
Revenue 1Y (TTM)-0.69%
Revenue growth 3Y17.63%
Revenue growth 5Y8.73%
Sales Q2Q%3.67%
3.2 Future
The Earnings Per Share is expected to grow by 1.80% on average over the next years.
The Revenue is expected to decrease by -8.14% on average over the next years.
EPS Next Y3.42%
EPS Next 2Y2.21%
EPS Next 3Y1.8%
EPS Next 5YN/A
Revenue Next Year-6.63%
Revenue Next 2Y-9.39%
Revenue Next 3Y-8.14%
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
Based on the Price/Earnings ratio of 99.75, the valuation of FC-DB-K can be described as expensive.
FC-DB-K's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 29.35, FC-DB-K is valued quite expensively.
Based on the Price/Forward Earnings ratio of 95.87, the valuation of FC-DB-K can be described as expensive.
FC-DB-K's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.10. FC-DB-K is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 99.75 | ||
| Fwd PE | 95.87 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 57.2 | ||
| 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)29.18
PEG (5Y)220.52
EPS Next 2Y2.21%
EPS Next 3Y1.8%
5. Dividend
5.1 Amount
FC-DB-K has a Yearly Dividend Yield of 7.90%, which is a nice return.
Compared to an average industry Dividend Yield of 8.05, FC-DB-K has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.33, FC-DB-K pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.9% |
5.2 History
The dividend of FC-DB-K decreases each year by -1.14%.
FC-DB-K is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)-1.14%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
99.77% of the earnings are spent on dividend by FC-DB-K. This is not a sustainable payout ratio.
DP99.77%
EPS Next 2Y2.21%
EPS Next 3Y1.8%
TSX:FC-DB-K (3/6/2025, 7:00:00 PM)
98.75
+1.05 (+1.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners2.08%
Inst Owner ChangeN/A
Ins Owners2.28%
Ins Owner ChangeN/A
Market Cap3.63B
Analysts84
Price Target111.87 (13.29%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.9% |
Yearly Dividend0.95
Dividend Growth(5Y)-1.14%
DP99.77%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.11%
Min EPS beat(2)-13.31%
Max EPS beat(2)-0.91%
EPS beat(4)0
Avg EPS beat(4)-6.18%
Min EPS beat(4)-13.31%
Max EPS beat(4)-0.91%
EPS beat(8)1
Avg EPS beat(8)-6%
EPS beat(12)1
Avg EPS beat(12)-5.62%
EPS beat(16)3
Avg EPS beat(16)-4.19%
Revenue beat(2)2
Avg Revenue beat(2)4.11%
Min Revenue beat(2)2.87%
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 99.75 | ||
| Fwd PE | 95.87 | ||
| P/S | 51.41 | ||
| P/FCF | 57.2 | ||
| P/OCF | 57.2 | ||
| P/B | 8.54 | ||
| P/tB | 8.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.99
EY1%
EPS(NY)1.03
Fwd EY1.04%
FCF(TTM)1.73
FCFY1.75%
OCF(TTM)1.73
OCFY1.75%
SpS1.92
BVpS11.57
TBVpS11.57
PEG (NY)29.18
PEG (5Y)220.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.55% | ||
| ROE | 8.1% | ||
| ROCE | 8.86% | ||
| ROIC | 5.81% | ||
| ROICexc | 5.81% | ||
| ROICexgc | 5.81% | ||
| OM | 70.12% | ||
| PM (TTM) | 48.76% | ||
| GM | 72.53% | ||
| FCFM | 89.88% |
ROA(3y)5.13%
ROA(5y)5.19%
ROE(3y)8.16%
ROE(5y)8.21%
ROIC(3y)4.61%
ROIC(5y)4.39%
ROICexc(3y)4.64%
ROICexc(5y)4.41%
ROICexgc(3y)4.64%
ROICexgc(5y)4.41%
ROCE(3y)6.99%
ROCE(5y)6.65%
ROICexcg growth 3Y19.97%
ROICexcg growth 5Y8.63%
ROICexc growth 3Y19.97%
ROICexc growth 5Y8.63%
OM growth 3Y3.14%
OM growth 5Y3.51%
PM growth 3Y-7.3%
PM growth 5Y-2.68%
GM growth 3Y1.84%
GM growth 5Y3.48%
F-Score6
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 2.96 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.82 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 184.34% | ||
| Current Ratio | 0.12 | ||
| Quick Ratio | 0.12 | ||
| Altman-Z | 11.42 |
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)161.08%
Profit Quality(5y)154.37%
High Growth Momentum
Growth
EPS 1Y (TTM)1.97%
EPS 3Y2.34%
EPS 5Y0.45%
EPS Q2Q%0.4%
EPS Next Y3.42%
EPS Next 2Y2.21%
EPS Next 3Y1.8%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.69%
Revenue growth 3Y17.63%
Revenue growth 5Y8.73%
Sales Q2Q%3.67%
Revenue Next Year-6.63%
Revenue Next 2Y-9.39%
Revenue Next 3Y-8.14%
Revenue Next 5YN/A
EBIT growth 1Y2.09%
EBIT growth 3Y21.32%
EBIT growth 5Y12.55%
EBIT Next Year-1.67%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y32.52%
FCF growth 3Y18.87%
FCF growth 5Y9.13%
OCF growth 1Y32.52%
OCF growth 3Y18.87%
OCF growth 5Y9.13%