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FIRM CAP MTG INV CORP (FC-DB-L.CA) Stock Overview

Canada - TSX:FC-DB-L - CA318323AN27

98 CAD
+0.35 (+0.36%)
Last: 9/15/2025, 7:00:00 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FC-DB-L. FC-DB-L was compared to 29 industry peers in the Financial Services industry. FC-DB-L scores excellent on profitability, but there are some minor concerns on its financial health. FC-DB-L is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

FC-DB-L had positive earnings in the past year.
In the past year FC-DB-L had a positive cash flow from operations.
Each year in the past 5 years FC-DB-L has been profitable.
FC-DB-L had a positive operating cash flow in 4 of the past 5 years.
FC-DB-L.CA Yearly Net Income VS EBIT VS OCF VS FCFFC-DB-L.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M

1.2 Ratios

Looking at the Return On Assets, with a value of 5.98%, FC-DB-L belongs to the top of the industry, outperforming 86.21% of the companies in the same industry.
FC-DB-L's Return On Equity of 8.92% is fine compared to the rest of the industry. FC-DB-L outperforms 62.07% of its industry peers.
With a decent Return On Invested Capital value of 5.58%, FC-DB-L is doing good in the industry, outperforming 62.07% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for FC-DB-L is in line with the industry average of 5.62%.
The last Return On Invested Capital (5.58%) for FC-DB-L is above the 3 year average (5.27%), which is a sign of increasing profitability.
Industry RankSector 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%
FC-DB-L.CA Yearly ROA, ROE, ROICFC-DB-L.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

The Profit Margin of FC-DB-L (55.47%) is better than 86.21% of its industry peers.
FC-DB-L's Profit Margin has declined in the last couple of years.
FC-DB-L has a Operating Margin of 70.97%. This is in the better half of the industry: FC-DB-L outperforms 75.86% of its industry peers.
In the last couple of years the Operating Margin of FC-DB-L has grown nicely.
FC-DB-L has a better Gross Margin (73.45%) than 79.31% of its industry peers.
In the last couple of years the Gross Margin of FC-DB-L has grown nicely.
Industry RankSector 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%
FC-DB-L.CA Yearly Profit, Operating, Gross MarginsFC-DB-L.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

4

2. Health

2.1 Basic Checks

The number of shares outstanding for FC-DB-L has been increased compared to 1 year ago.
FC-DB-L has more shares outstanding than it did 5 years ago.
The debt/assets ratio for FC-DB-L is higher compared to a year ago.
FC-DB-L.CA Yearly Shares OutstandingFC-DB-L.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
FC-DB-L.CA Yearly Total Debt VS Total AssetsFC-DB-L.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.2 Solvency

FC-DB-L has an Altman-Z score of 10.63. This indicates that FC-DB-L is financially healthy and has little risk of bankruptcy at the moment.
FC-DB-L's Altman-Z score of 10.63 is fine compared to the rest of the industry. FC-DB-L outperforms 79.31% of its industry peers.
FC-DB-L has a debt to FCF ratio of 19.43. This is a negative value and a sign of low solvency as FC-DB-L would need 19.43 years to pay back of all of its debts.
FC-DB-L has a Debt to FCF ratio of 19.43. This is in the better half of the industry: FC-DB-L outperforms 65.52% of its industry peers.
FC-DB-L has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
FC-DB-L has a better Debt to Equity ratio (0.47) than 79.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 19.43
Altman-Z 10.63
ROIC/WACCN/A
WACCN/A
FC-DB-L.CA Yearly LT Debt VS Equity VS FCFFC-DB-L.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

2.3 Liquidity

FC-DB-L has a Current Ratio of 0.11. This is a bad value and indicates that FC-DB-L is not financially healthy enough and could expect problems in meeting its short term obligations.
FC-DB-L has a Current ratio (0.11) which is in line with its industry peers.
FC-DB-L has a Quick Ratio of 0.11. This is a bad value and indicates that FC-DB-L is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.11, FC-DB-L perfoms like the industry average, outperforming 41.38% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.11
Quick Ratio 0.11
FC-DB-L.CA Yearly Current Assets VS Current LiabilitesFC-DB-L.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

2

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 4.47% over the past year.
The Earnings Per Share has been decreasing by -0.04% on average over the past years.
The Revenue has decreased by -0.92% in the past year.
FC-DB-L shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.71% yearly.
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

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-L.CA Yearly Revenue VS EstimatesFC-DB-L.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M
FC-DB-L.CA Yearly EPS VS EstimatesFC-DB-L.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 95.15 indicates a quite expensive valuation of FC-DB-L.
FC-DB-L's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.20, FC-DB-L is valued quite expensively.
Based on the Price/Forward Earnings ratio of 92.37, the valuation of FC-DB-L can be described as expensive.
FC-DB-L's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FC-DB-L is cheaper than 62.07% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FC-DB-L to the average of the S&P500 Index (22.71), we can say FC-DB-L is valued expensively.
Industry RankSector Rank
PE 95.15
Fwd PE 92.37
FC-DB-L.CA Price Earnings VS Forward Price EarningsFC-DB-L.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-L is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 350.05
EV/EBITDA N/A
FC-DB-L.CA Per share dataFC-DB-L.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 FC-DB-L does not grow enough to justify the current Price/Earnings ratio.
FC-DB-L has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)17.66
PEG (5Y)N/A
EPS Next 2Y3.41%
EPS Next 3Y2.82%

3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.68%, FC-DB-L is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.71, FC-DB-L has a dividend in line with its industry peers.
FC-DB-L's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 7.68%

5.2 History

The dividend of FC-DB-L decreases each year by -0.40%.
FC-DB-L 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

95.55% of the earnings are spent on dividend by FC-DB-L. This is not a sustainable payout ratio.
DP95.55%
EPS Next 2Y3.41%
EPS Next 3Y2.82%
FC-DB-L.CA Yearly Income VS Free CF VS DividendFC-DB-L.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M
FC-DB-L.CA Dividend Payout.FC-DB-L.CA Dividend Payout, showing the Payout Ratio.FC-DB-L.CA Dividend Payout.PayoutRetained Earnings

FIRM CAP MTG INV CORP

TSX:FC-DB-L (9/15/2025, 7:00:00 PM)

98

+0.35 (+0.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-07 2025-08-07/amc
Earnings (Next)11-03 2025-11-03
Inst Owners1.61%
Inst Owner ChangeN/A
Ins Owners2.2%
Ins Owner ChangeN/A
Market Cap3.60B
Analysts84
Price Target107.44 (9.63%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)-4.04%
PT rev (3m)-2.68%
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 RankSector Rank
PE 95.15
Fwd PE 92.37
P/S 52.88
P/FCF 350.05
P/OCF 350.05
P/B 8.5
P/tB 8.5
EV/EBITDA N/A
EPS(TTM)1.03
EY1.05%
EPS(NY)1.06
Fwd EY1.08%
FCF(TTM)0.28
FCFY0.29%
OCF(TTM)0.28
OCFY0.29%
SpS1.85
BVpS11.52
TBVpS11.52
PEG (NY)17.66
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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 10.63
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