FIRM CAP MTG INV CORP (FC-DB-L.CA) Stock Fundamental Analysis
TSX:FC-DB-L - Toronto Stock Exchange - CA318323AN27 - Currency: CAD
Taking everything into account, FC-DB-L scores 5 out of 10 in our fundamental rating. FC-DB-L was compared to 32 industry peers in the Financial Services industry. FC-DB-L has an excellent profitability rating, but there are some minor concerns on its financial health. FC-DB-L has a expensive valuation and it also scores bad on growth.
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.
FC-DB-L had positive earnings in each of the past 5 years.
In the past 5 years FC-DB-L always reported a positive cash flow from operatings.
1.2 Ratios
With an excellent Return On Assets value of 5.55%, FC-DB-L belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
Looking at the Return On Equity, with a value of 8.10%, FC-DB-L is in line with its industry, outperforming 56.25% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 5.81%, FC-DB-L is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for FC-DB-L is in line with the industry average of 5.84%.
The 3 year average ROIC (4.61%) for FC-DB-L 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-L (48.76%) is better than 87.50% of its industry peers.
In the last couple of years the Profit Margin of FC-DB-L has declined.
The Operating Margin of FC-DB-L (70.12%) is better than 75.00% of its industry peers.
FC-DB-L's Operating Margin has improved in the last couple of years.
FC-DB-L's Gross Margin of 72.53% is amongst the best of the industry. FC-DB-L outperforms 81.25% of its industry peers.
FC-DB-L'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
Compared to 1 year ago, FC-DB-L has about the same amount of shares outstanding.
The number of shares outstanding for FC-DB-L has been increased compared to 5 years ago.
Compared to 1 year ago, FC-DB-L has an improved debt to assets ratio.
2.2 Solvency
FC-DB-L has an Altman-Z score of 11.34. This indicates that FC-DB-L is financially healthy and has little risk of bankruptcy at the moment.
With a decent Altman-Z score value of 11.34, FC-DB-L is doing good in the industry, outperforming 71.88% of the companies in the same industry.
FC-DB-L has a debt to FCF ratio of 2.96. This is a good value and a sign of high solvency as FC-DB-L would need 2.96 years to pay back of all of its debts.
FC-DB-L has a better Debt to FCF ratio (2.96) than 87.50% of its industry peers.
A Debt/Equity ratio of 0.44 indicates that FC-DB-L is not too dependend on debt financing.
FC-DB-L has a better Debt to Equity ratio (0.44) than 78.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 2.96 | ||
| Altman-Z | 11.34 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.12 indicates that FC-DB-L may have some problems paying its short term obligations.
With a Current ratio value of 0.12, FC-DB-L perfoms like the industry average, outperforming 40.63% of the companies in the same industry.
A Quick Ratio of 0.12 indicates that FC-DB-L may have some problems paying its short term obligations.
FC-DB-L has a Quick ratio of 0.12. This is comparable to the rest of the industry: FC-DB-L outperforms 40.63% of its industry peers.
The current and quick ratio evaluation for FC-DB-L is rather negative, while it does have excellent solvency and profitability. These ratios do not necessarly indicate liquidity issues and need to be evaluated against the specifics of the business.
| 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.
FC-DB-L shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.45% yearly.
Looking at the last year, FC-DB-L shows a decrease in Revenue. The Revenue has decreased by -0.69% in the last year.
The Revenue has been growing by 8.73% on average over the past years. This is quite good.
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.
FC-DB-L is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -8.14% yearly.
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
A Price/Earnings ratio of 98.98 indicates a quite expensive valuation of FC-DB-L.
Compared to the rest of the industry, the Price/Earnings ratio of FC-DB-L is on the same level as its industry peers.
FC-DB-L is valuated expensively when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 95.14, the valuation of FC-DB-L can be described as expensive.
FC-DB-L's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, FC-DB-L is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.98 | ||
| Fwd PE | 95.14 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 56.76 | ||
| EV/EBITDA | N/A |
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.
The excellent profitability rating of FC-DB-L may justify a higher PE ratio.
PEG (NY)28.96
PEG (5Y)218.83
EPS Next 2Y2.21%
EPS Next 3Y1.8%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.90%, FC-DB-L is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 8.05, FC-DB-L has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.33, FC-DB-L pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.9% |
5.2 History
The dividend of FC-DB-L decreases each year by -1.14%.
FC-DB-L 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-L. This is not a sustainable payout ratio.
DP99.77%
EPS Next 2Y2.21%
EPS Next 3Y1.8%
TSX:FC-DB-L (3/6/2025, 7:00:00 PM)
97.99
+1.23 (+1.27%)
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 Cap3.60B
Analysts84
Price Target111.53 (13.82%)
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 | 98.98 | ||
| Fwd PE | 95.14 | ||
| P/S | 51.01 | ||
| P/FCF | 56.76 | ||
| P/OCF | 56.76 | ||
| P/B | 8.47 | ||
| P/tB | 8.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.99
EY1.01%
EPS(NY)1.03
Fwd EY1.05%
FCF(TTM)1.73
FCFY1.76%
OCF(TTM)1.73
OCFY1.76%
SpS1.92
BVpS11.57
TBVpS11.57
PEG (NY)28.96
PEG (5Y)218.83
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 | 11.34 |
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%