FIRM CAP MTG INV CORP (FC-DB-K.CA) Stock Overview
Canada - TSX:FC-DB-K - CA318323AM44
100 CAD
0 (0%)
Overall FC-DB-K gets a fundamental rating of 4 out of 10. We evaluated FC-DB-K against 29 industry peers in the Financial Services industry. While FC-DB-K belongs to the best of the industry regarding profitability, there are 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.
Each year in the past 5 years FC-DB-K has been profitable.
FC-DB-K had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
FC-DB-K's Return On Assets of 5.98% is amongst the best of the industry. FC-DB-K outperforms 82.76% of its industry peers.
Looking at the Return On Equity, with a value of 8.92%, FC-DB-K is in line with its industry, outperforming 58.62% of the companies in the same industry.
FC-DB-K has a Return On Invested Capital of 5.58%. This is comparable to the rest of the industry: FC-DB-K outperforms 58.62% 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 5.62%.
The 3 year average ROIC (5.27%) for FC-DB-K is below the current ROIC(5.58%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.98% | ||
| ROE | 8.92% | ||
| ROIC | 5.58% |
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 has a Profit Margin of 55.47%. This is amongst the best in the industry. FC-DB-K outperforms 82.76% of its industry peers.
FC-DB-K's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 70.97%, FC-DB-K is in the better half of the industry, outperforming 72.41% of the companies in the same industry.
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 75.86% 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 | 70.97% | ||
| 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
FC-DB-K has more shares outstanding than it did 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 10.84. 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 10.84 is amongst the best of the industry. FC-DB-K outperforms 82.76% of its industry peers.
FC-DB-K has a debt to FCF ratio of 19.43. This is a negative value and a sign of low solvency as FC-DB-K would need 19.43 years to pay back of all of its debts.
FC-DB-K has a better Debt to FCF ratio (19.43) than 62.07% 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.
With a decent Debt to Equity ratio value of 0.47, FC-DB-K is doing good in the industry, outperforming 75.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 19.43 | ||
| Altman-Z | 10.84 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.11 indicates that FC-DB-K may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.11, FC-DB-K is doing worse than 62.07% of the companies in the same industry.
A Quick Ratio of 0.11 indicates that FC-DB-K may have some problems paying its short term obligations.
FC-DB-K's Quick ratio of 0.11 is on the low side compared to the rest of the industry. FC-DB-K is outperformed by 62.07% of 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 4.47%.
Measured over the past years, FC-DB-K shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.04% on average per year.
Looking at the last year, FC-DB-K shows a decrease in Revenue. The Revenue has decreased by -0.92% in the last 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)4.47%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%6.07%
Revenue 1Y (TTM)-0.92%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.66%
3.2 Future
The Earnings Per Share is expected to grow by 2.82% on average over the next years.
The Revenue is expected to decrease by -5.37% on average over the next years.
EPS Next Y5.39%
EPS Next 2Y3.41%
EPS Next 3Y2.82%
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
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 97.09, 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.
The average S&P500 Price/Earnings ratio is at 27.41. FC-DB-K is valued rather expensively when compared to this.
A Price/Forward Earnings ratio of 94.26 indicates a quite expensive valuation of FC-DB-K.
FC-DB-K's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of FC-DB-K to the average of the S&P500 Index (22.88), we can say FC-DB-K is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.09 | ||
| Fwd PE | 94.26 |
4.2 Price Multiples
FC-DB-K's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 357.19 | ||
| 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.
The decent profitability rating of FC-DB-K may justify a higher PE ratio.
PEG (NY)18.02
PEG (5Y)N/A
EPS Next 2Y3.41%
EPS Next 3Y2.82%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.68%, 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 6.71.
FC-DB-K's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.68% |
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
FC-DB-K pays out 95.55% of its income as dividend. This is not a sustainable payout ratio.
DP95.55%
EPS Next 2Y3.41%
EPS Next 3Y2.82%
TSX:FC-DB-K (9/17/2025, 7:00:00 PM)
100
0 (0%)
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 Cap3.67B
Analysts84
Price Target107.64 (7.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.68% |
Yearly Dividend0.98
Dividend Growth(5Y)-0.4%
DP95.55%
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)-5.81%
PT rev (3m)-3.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.92%
EPS NY rev (1m)1.5%
EPS NY rev (3m)1.5%
Revenue NQ rev (1m)2.73%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.11%
Revenue NY rev (3m)3.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.09 | ||
| Fwd PE | 94.26 | ||
| P/S | 53.96 | ||
| P/FCF | 357.19 | ||
| P/OCF | 357.19 | ||
| P/B | 8.68 | ||
| P/tB | 8.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY1.03%
EPS(NY)1.06
Fwd EY1.06%
FCF(TTM)0.28
FCFY0.28%
OCF(TTM)0.28
OCFY0.28%
SpS1.85
BVpS11.52
TBVpS11.52
PEG (NY)18.02
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.98% | ||
| ROE | 8.92% | ||
| ROCE | 8.68% | ||
| ROIC | 5.58% | ||
| ROICexc | 5.58% | ||
| ROICexgc | 5.58% | ||
| OM | 70.97% | ||
| PM (TTM) | 55.47% | ||
| GM | 73.45% | ||
| FCFM | 15.11% |
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-Score5
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 19.43 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 4.06 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 27.23% | ||
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 | ||
| Altman-Z | 10.84 |
F-Score5
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)4.47%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%6.07%
EPS Next Y5.39%
EPS Next 2Y3.41%
EPS Next 3Y2.82%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.92%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.66%
Revenue Next Year-7.15%
Revenue Next 2Y-7.38%
Revenue Next 3Y-5.37%
Revenue Next 5YN/A
EBIT growth 1Y1.37%
EBIT growth 3Y15.28%
EBIT growth 5Y10.11%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-82.99%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-82.99%
OCF growth 3YN/A
OCF growth 5YN/A