FIRM CAP MTG INV CORP (FC-DB-L.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:FC-DB-L • CA318323AN27
100.7 CAD
0 (0%)
Last: Jan 28, 2026, 07:00 PM
Taking everything into account, FC-DB-L scores 4 out of 10 in our fundamental rating. FC-DB-L was compared to 28 industry peers in the Financial Services industry. Both the profitability and the financial health of FC-DB-L get a neutral evaluation. Nothing too spectacular is happening here. FC-DB-L does not seem to be growing, but still is valued expensively.
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.
- In the past 5 years FC-DB-L has always been profitable.
- FC-DB-L had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of FC-DB-L (6.32%) is better than 78.57% of its industry peers.
- FC-DB-L has a Return On Equity (8.87%) which is in line with its industry peers.
- Looking at the Return On Invested Capital, with a value of 5.85%, FC-DB-L is in line with its industry, outperforming 57.14% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for FC-DB-L is below the industry average of 7.80%.
- The last Return On Invested Capital (5.85%) for FC-DB-L is above the 3 year average (5.27%), which is a sign of increasing profitability.
| 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
- With a decent Profit Margin value of 55.47%, FC-DB-L is doing good in the industry, outperforming 71.43% of the companies in the same industry.
- FC-DB-L's Profit Margin has declined in the last couple of years.
- FC-DB-L has a better Operating Margin (70.96%) than 78.57% of its industry peers.
- In the last couple of years the Operating Margin of FC-DB-L has grown nicely.
- With a decent Gross Margin value of 73.45%, FC-DB-L is doing good in the industry, outperforming 71.43% of the companies in the same industry.
- FC-DB-L's Gross Margin has improved in the last couple of years.
| 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
- FC-DB-L has more shares outstanding than it did 1 year ago.
- FC-DB-L has more shares outstanding than it did 5 years ago.
- FC-DB-L has a worse debt/assets ratio than last year.
2.2 Solvency
- FC-DB-L has an Altman-Z score of 13.30. This indicates that FC-DB-L is financially healthy and has little risk of bankruptcy at the moment.
- FC-DB-L has a better Altman-Z score (13.30) than 89.29% of its industry peers.
- FC-DB-L has a debt to FCF ratio of 16.79. This is a negative value and a sign of low solvency as FC-DB-L would need 16.79 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 16.79, FC-DB-L is in line with its industry, outperforming 57.14% of the companies in the same industry.
- FC-DB-L has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
- FC-DB-L has a Debt to Equity ratio of 0.39. This is in the better half of the industry: FC-DB-L outperforms 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 16.79 | ||
| Altman-Z | 13.3 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- FC-DB-L has a Current Ratio of 2.51. This indicates that FC-DB-L is financially healthy and has no problem in meeting its short term obligations.
- FC-DB-L's Current ratio of 2.51 is amongst the best of the industry. FC-DB-L outperforms 82.14% of its industry peers.
- A Quick Ratio of 2.51 indicates that FC-DB-L has no problem at all paying its short term obligations.
- Looking at the Quick ratio, with a value of 2.51, FC-DB-L 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-L shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.96%.
- FC-DB-L shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.04% yearly.
- Looking at the last year, FC-DB-L shows a decrease in Revenue. The Revenue has decreased by -6.64% in the last year.
- The Revenue has been growing slightly by 7.71% on average over the past years.
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
- FC-DB-L is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.18% yearly.
- Based on estimates for the next years, FC-DB-L will show a decrease in Revenue. The Revenue will decrease by -5.64% on average per year.
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
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 98.73, the valuation of FC-DB-L can be described as expensive.
- FC-DB-L's Price/Earnings is on the same level as the industry average.
- When comparing the Price/Earnings ratio of FC-DB-L to the average of the S&P500 Index (28.30), we can say FC-DB-L is valued expensively.
- Based on the Price/Forward Earnings ratio of 95.85, the valuation of FC-DB-L can be described as expensive.
- FC-DB-L's Price/Forward Earnings ratio is in line with the industry average.
- When comparing the Price/Forward Earnings ratio of FC-DB-L to the average of the S&P500 Index (25.57), we can say FC-DB-L is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.73 | ||
| Fwd PE | 95.85 |
4.2 Price Multiples
- 60.71% of the companies in the same industry are cheaper than FC-DB-L, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 374.12 | ||
| 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.
- FC-DB-L has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)16.86
PEG (5Y)N/A
EPS Next 2Y2.91%
EPS Next 3Y2.18%
5. Dividend
5.1 Amount
- FC-DB-L has a Yearly Dividend Yield of 7.72%, which is a nice return.
- FC-DB-L's Dividend Yield is a higher than the industry average which is at 5.64.
- FC-DB-L's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.72% |
5.2 History
- The dividend of FC-DB-L decreases each year by -0.40%.
- FC-DB-L 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
- FC-DB-L pays out 95.98% of its income as dividend. This is not a sustainable payout ratio.
DP95.98%
EPS Next 2Y2.91%
EPS Next 3Y2.18%
FIRM CAP MTG INV CORP / FC-DB-L.CA FAQ
What is the ChartMill fundamental rating of FIRM CAP MTG INV CORP (FC-DB-L.CA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to FC-DB-L.CA.
What is the valuation status for FC-DB-L stock?
ChartMill assigns a valuation rating of 1 / 10 to FIRM CAP MTG INV CORP (FC-DB-L.CA). This can be considered as Overvalued.
What is the profitability of FC-DB-L stock?
FIRM CAP MTG INV CORP (FC-DB-L.CA) has a profitability rating of 6 / 10.
How financially healthy is FIRM CAP MTG INV CORP?
The financial health rating of FIRM CAP MTG INV CORP (FC-DB-L.CA) is 6 / 10.
What is the expected EPS growth for FIRM CAP MTG INV CORP (FC-DB-L.CA) stock?
The Earnings per Share (EPS) of FIRM CAP MTG INV CORP (FC-DB-L.CA) is expected to grow by 5.86% in the next year.