FIRM CAP MTG INV CORP (FC-DB-L.CA) Stock Price, Forecast & Analysis
Canada - TSX:FC-DB-L - CA318323AN27
101.93 CAD
+0.93 (+0.92%)
FC-DB-L gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 27 industry peers in the Financial Services industry. While FC-DB-L has a great profitability rating, there are quite some concerns on its financial health. 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.
FC-DB-L had a positive operating cash flow in the past year.
Each year in the past 5 years FC-DB-L has been profitable.
Of the past 5 years FC-DB-L 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of FC-DB-L (5.98%) is better than 81.48% of its industry peers.
FC-DB-L has a Return On Equity (8.92%) which is comparable to the rest of the industry.
With a Return On Invested Capital value of 5.58%, FC-DB-L perfoms like the industry average, outperforming 59.26% of the companies in the same industry.
FC-DB-L had an Average Return On Invested Capital over the past 3 years of 5.27%. This is in line with the industry average of 5.55%.
The 3 year average ROIC (5.27%) for FC-DB-L 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-L's Profit Margin of 55.47% is fine compared to the rest of the industry. FC-DB-L outperforms 77.78% 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 74.07% 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 70.37% of the companies in the same industry.
In the last couple of years the Gross Margin of FC-DB-L 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
FC-DB-L has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, FC-DB-L has more shares outstanding
FC-DB-L has a worse debt/assets ratio than last year.
2.2 Solvency
FC-DB-L has an Altman-Z score of 11.05. This indicates that FC-DB-L is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 11.05, FC-DB-L belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
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.
With a Debt to FCF ratio value of 19.43, FC-DB-L perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
A Debt/Equity ratio of 0.47 indicates that FC-DB-L is not too dependend on debt financing.
FC-DB-L has a Debt to Equity ratio of 0.47. This is in the better half of the industry: FC-DB-L outperforms 70.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 19.43 | ||
| Altman-Z | 11.05 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.11 indicates that FC-DB-L may have some problems paying its short term obligations.
FC-DB-L's Current ratio of 0.11 is on the low side compared to the rest of the industry. FC-DB-L is outperformed by 70.37% of 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.
FC-DB-L has a Quick ratio of 0.11. This is in the lower half of the industry: FC-DB-L underperforms 70.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.47% over the past year.
Measured over the past years, FC-DB-L 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-L shows a decrease in Revenue. The Revenue has decreased by -0.92% in the last 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 2.59% on average over the next years.
The Revenue is expected to decrease by -5.37% on average over the next years.
EPS Next Y5.91%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 98.96, which means the current valuation is very expensive for FC-DB-L.
FC-DB-L's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.34, FC-DB-L is valued quite expensively.
A Price/Forward Earnings ratio of 96.55 indicates a quite expensive valuation of FC-DB-L.
Compared to the rest of the industry, the Price/Forward 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/Forward Earnings ratio to 34.43, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.96 | ||
| Fwd PE | 96.55 |
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 | 364.09 | ||
| 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-L may justify a higher PE ratio.
PEG (NY)16.75
PEG (5Y)N/A
EPS Next 2Y3.16%
EPS Next 3Y2.59%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.90%, FC-DB-L is a good candidate for dividend investing.
FC-DB-L's Dividend Yield is a higher than the industry average which is at 6.86.
Compared to an average S&P500 Dividend Yield of 2.36, 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 -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
95.55% of the earnings are spent on dividend by FC-DB-L. This is not a sustainable payout ratio.
DP95.55%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
TSX:FC-DB-L (11/6/2025, 7:00:00 PM)
101.93
+0.93 (+0.92%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.58%
Inst Owner ChangeN/A
Ins Owners2.2%
Ins Owner ChangeN/A
Market Cap3.74B
Revenue(TTM)68.09M
Net Income(TTM)37.77M
Analysts84
Price Target111.23 (9.12%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.9% |
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)3.22%
PT rev (3m)-0.65%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.96 | ||
| Fwd PE | 96.55 | ||
| P/S | 55 | ||
| P/FCF | 364.09 | ||
| P/OCF | 364.09 | ||
| P/B | 8.85 | ||
| P/tB | 8.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY1.01%
EPS(NY)1.06
Fwd EY1.04%
FCF(TTM)0.28
FCFY0.27%
OCF(TTM)0.28
OCFY0.27%
SpS1.85
BVpS11.52
TBVpS11.52
PEG (NY)16.75
PEG (5Y)N/A
Graham Number16.34
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%
ROICexgc growth 3Y16%
ROICexgc 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 | 11.05 |
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 Y5.91%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
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
FIRM CAP MTG INV CORP / FC-DB-L.CA FAQ
What does FIRM CAP MTG INV CORP do?
Firm Capital Mortgage Investment Corp. is a non-bank lender, which engages in the investment in short-term residential and commercial real estate mortgage loans and real estate related debt investments. The company is headquartered in Toronto, Ontario and currently employs 1 full-time employees. The Company, through its mortgage banker, Firm Capital Corporation, is a non-bank lender providing residential and commercial short-term bridge and conventional real estate financing, including construction, mezzanine and equity investments. The Company’s investment objective is the preservation of shareholders’ equity, while providing shareholders with a stable stream of monthly dividends from investments. The company achieves its investment objectives through investments in selected niche markets that are under-serviced by large lending institutions. Its investment categories include conventional first mortgages, conventional non-first mortgages, related debt investments, debtor-in-possession loans, marketable securities and non-conventional mortgages. The Company’s mortgage banker provides loan origination, underwriting, loan servicing and syndication services.
What is the stock price of FIRM CAP MTG INV CORP today?
The current stock price of FC-DB-L.CA is 101.93 CAD. The price increased by 0.92% in the last trading session.
What is the ChartMill rating of FIRM CAP MTG INV CORP stock?
FC-DB-L.CA has a ChartMill Technical rating of 6 out of 10 and a ChartMill Fundamental rating of 4 out of 10.
Should I buy FC-DB-L stock?
This depends on your investment goals. Check the Technical and Fundamental Analysis tabs for insights on FC-DB-L.CA.