FIRM CAP MTG INV CORP (FC-DB-L.CA) Fundamental Analysis & Valuation

TSX:FC-DB-L • CA318323AN27

Current stock price

99.51 CAD
+0.19 (+0.19%)
Last:

This FC-DB-L.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. FC-DB-L.CA Profitability Analysis

1.1 Basic Checks

  • In the past year FC-DB-L was profitable.
  • 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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M

1.2 Ratios

  • FC-DB-L's Return On Assets of 6.30% is fine compared to the rest of the industry. FC-DB-L outperforms 78.57% of its industry peers.
  • FC-DB-L has a better Return On Equity (8.81%) than 67.86% of its industry peers.
  • The Return On Invested Capital of FC-DB-L (5.87%) is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for FC-DB-L is in line with the industry average of 7.43%.
  • The last Return On Invested Capital (5.87%) for FC-DB-L is above the 3 year average (5.85%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 6.3%
ROE 8.81%
ROIC 5.87%
ROA(3y)5.89%
ROA(5y)5.45%
ROE(3y)8.56%
ROE(5y)8.32%
ROIC(3y)5.85%
ROIC(5y)5.05%
FC-DB-L.CA Yearly ROA, ROE, ROICFC-DB-L.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • Looking at the Profit Margin, with a value of 56.16%, FC-DB-L is in the better half of the industry, outperforming 78.57% of the companies in the same industry.
  • FC-DB-L's Profit Margin has been stable in the last couple of years.
  • FC-DB-L's Operating Margin of 71.58% is amongst the best of the industry. FC-DB-L outperforms 85.71% of its industry peers.
  • In the last couple of years the Operating Margin of FC-DB-L has grown nicely.
  • FC-DB-L's Gross Margin of 74.30% is amongst the best of the industry. FC-DB-L outperforms 92.86% of its industry peers.
  • FC-DB-L's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 71.58%
PM (TTM) 56.16%
GM 74.3%
OM growth 3Y4.89%
OM growth 5Y2.65%
PM growth 3Y1.56%
PM growth 5Y-1.2%
GM growth 3Y3.27%
GM growth 5Y1.9%
FC-DB-L.CA Yearly Profit, Operating, Gross MarginsFC-DB-L.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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8

2. FC-DB-L.CA Health Analysis

2.1 Basic Checks

  • FC-DB-L has about the same amout of shares outstanding than it did 1 year ago.
  • FC-DB-L has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for FC-DB-L has been reduced compared to a year ago.
FC-DB-L.CA Yearly Shares OutstandingFC-DB-L.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

2.2 Solvency

  • FC-DB-L has an Altman-Z score of 13.33. This indicates that FC-DB-L is financially healthy and has little risk of bankruptcy at the moment.
  • The Altman-Z score of FC-DB-L (13.33) is better than 85.71% of its industry peers.
  • The Debt to FCF ratio of FC-DB-L is 1.79, which is an excellent value as it means it would take FC-DB-L, only 1.79 years of fcf income to pay off all of its debts.
  • FC-DB-L has a better Debt to FCF ratio (1.79) than 82.14% of its industry peers.
  • FC-DB-L has a Debt/Equity ratio of 0.38. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of FC-DB-L (0.38) is better than 78.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 1.79
Altman-Z 13.33
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M 400M

2.3 Liquidity

  • A Current Ratio of 2.45 indicates that FC-DB-L has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 2.45, FC-DB-L belongs to the top of the industry, outperforming 89.29% of the companies in the same industry.
  • A Quick Ratio of 2.45 indicates that FC-DB-L has no problem at all paying its short term obligations.
  • FC-DB-L's Quick ratio of 2.45 is amongst the best of the industry. FC-DB-L outperforms 89.29% of its industry peers.
Industry RankSector Rank
Current Ratio 2.45
Quick Ratio 2.45
FC-DB-L.CA Yearly Current Assets VS Current LiabilitesFC-DB-L.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. FC-DB-L.CA Growth Analysis

3.1 Past

  • FC-DB-L shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.81%.
  • The Earnings Per Share has been growing slightly by 1.88% on average over the past years.
  • FC-DB-L shows a decrease in Revenue. In the last year, the revenue decreased by -2.78%.
  • Measured over the past years, FC-DB-L shows a quite strong growth in Revenue. The Revenue has been growing by 8.59% on average per year.
EPS 1Y (TTM)1.81%
EPS 3Y2.97%
EPS 5Y1.88%
EPS Q2Q%-5.65%
Revenue 1Y (TTM)-2.78%
Revenue growth 3Y3.53%
Revenue growth 5Y8.59%
Sales Q2Q%5.73%

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 2.21% yearly.
  • Based on estimates for the next years, FC-DB-L will show a decrease in Revenue. The Revenue will decrease by -6.58% on average per year.
EPS Next Y2.8%
EPS Next 2Y2.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-12.65%
Revenue Next 2Y-6.58%
Revenue Next 3YN/A
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 stable.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FC-DB-L.CA Yearly Revenue VS EstimatesFC-DB-L.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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2

4. FC-DB-L.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 98.52, FC-DB-L can be considered very expensive at the moment.
  • Compared to the rest of the industry, the Price/Earnings ratio of FC-DB-L is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of FC-DB-L to the average of the S&P500 Index (27.71), we can say FC-DB-L is valued expensively.
  • The Price/Forward Earnings ratio is 95.84, which means the current valuation is very expensive for FC-DB-L.
  • The rest of the industry has a similar Price/Forward Earnings ratio as FC-DB-L.
  • FC-DB-L is valuated expensively when we compare the Price/Forward Earnings ratio to 38.09, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 98.52
Fwd PE 95.84
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 40.65
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)35.24
PEG (5Y)52.29
EPS Next 2Y2.21%
EPS Next 3YN/A

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5

5. FC-DB-L.CA Dividend Analysis

5.1 Amount

  • FC-DB-L has a Yearly Dividend Yield of 7.68%, which is a nice return.
  • FC-DB-L's Dividend Yield is a higher than the industry average which is at 5.50.
  • Compared to an average S&P500 Dividend Yield of 1.81, FC-DB-L pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.68%

5.2 History

  • The dividend of FC-DB-L has a limited annual growth rate of 0.24%.
  • FC-DB-L does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)0.24%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • FC-DB-L pays out 97.25% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of FC-DB-L is growing, but earnings are growing more, so the dividend growth is sustainable.
DP97.25%
EPS Next 2Y2.21%
EPS Next 3YN/A
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M
FC-DB-L.CA Dividend Payout.FC-DB-L.CA Dividend Payout, showing the Payout Ratio.FC-DB-L.CA Dividend Payout.PayoutRetained Earnings

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FC-DB-L.CA Fundamentals: All Metrics, Ratios and Statistics

FIRM CAP MTG INV CORP

TSX:FC-DB-L (4/15/2026, 7:00:00 PM)

99.51

+0.19 (+0.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-11
Earnings (Next)05-12
Inst Owners1.44%
Inst Owner ChangeN/A
Ins Owners2.2%
Ins Owner ChangeN/A
Market Cap3.66B
Revenue(TTM)66.72M
Net Income(TTM)37.47M
Analysts84
Price Target106.22 (6.74%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.68%
Yearly Dividend0.99
Dividend Growth(5Y)0.24%
DP97.25%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.63%
Min EPS beat(2)-4.74%
Max EPS beat(2)-2.52%
EPS beat(4)2
Avg EPS beat(4)0.06%
Min EPS beat(4)-4.74%
Max EPS beat(4)3.82%
EPS beat(8)2
Avg EPS beat(8)-2.5%
EPS beat(12)3
Avg EPS beat(12)-2.75%
EPS beat(16)3
Avg EPS beat(16)-4.2%
Revenue beat(2)2
Avg Revenue beat(2)7.54%
Min Revenue beat(2)5.21%
Max Revenue beat(2)9.87%
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)-1.56%
PT rev (3m)-3.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.92%
EPS NY rev (1m)-1.18%
EPS NY rev (3m)-1.18%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.96%
Revenue NY rev (3m)-2.96%
Valuation
Industry RankSector Rank
PE 98.52
Fwd PE 95.84
P/S 54.79
P/FCF 40.65
P/OCF 40.65
P/B 8.6
P/tB 8.6
EV/EBITDA N/A
EPS(TTM)1.01
EY1.01%
EPS(NY)1.04
Fwd EY1.04%
FCF(TTM)2.45
FCFY2.46%
OCF(TTM)2.45
OCFY2.46%
SpS1.82
BVpS11.57
TBVpS11.57
PEG (NY)35.24
PEG (5Y)52.29
Graham Number16.2158 (-83.7%)
Profitability
Industry RankSector Rank
ROA 6.3%
ROE 8.81%
ROCE 8.15%
ROIC 5.87%
ROICexc 6.01%
ROICexgc 6.01%
OM 71.58%
PM (TTM) 56.16%
GM 74.3%
FCFM 134.79%
ROA(3y)5.89%
ROA(5y)5.45%
ROE(3y)8.56%
ROE(5y)8.32%
ROIC(3y)5.85%
ROIC(5y)5.05%
ROICexc(3y)5.94%
ROICexc(5y)5.1%
ROICexgc(3y)5.94%
ROICexgc(5y)5.1%
ROCE(3y)8.56%
ROCE(5y)7.55%
ROICexgc growth 3Y13.36%
ROICexgc growth 5Y10.76%
ROICexc growth 3Y13.36%
ROICexc growth 5Y10.76%
OM growth 3Y4.89%
OM growth 5Y2.65%
PM growth 3Y1.56%
PM growth 5Y-1.2%
GM growth 3Y3.27%
GM growth 5Y1.9%
F-Score7
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 1.79
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 4.49
Cash Conversion N/A
Profit Quality 240.01%
Current Ratio 2.45
Quick Ratio 2.45
Altman-Z 13.33
F-Score7
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)1.81%
EPS 3Y2.97%
EPS 5Y1.88%
EPS Q2Q%-5.65%
EPS Next Y2.8%
EPS Next 2Y2.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.78%
Revenue growth 3Y3.53%
Revenue growth 5Y8.59%
Sales Q2Q%5.73%
Revenue Next Year-12.65%
Revenue Next 2Y-6.58%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-0.81%
EBIT growth 3Y8.59%
EBIT growth 5Y11.47%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y753.45%
FCF growth 3Y20.14%
FCF growth 5Y18.93%
OCF growth 1Y753.45%
OCF growth 3Y20.14%
OCF growth 5Y18.93%

FIRM CAP MTG INV CORP / FC-DB-L.CA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FIRM CAP MTG INV CORP (FC-DB-L.CA) stock?

ChartMill assigns a fundamental rating of 6 / 10 to FC-DB-L.CA.


Can you provide the valuation status for FIRM CAP MTG INV CORP?

ChartMill assigns a valuation rating of 2 / 10 to FIRM CAP MTG INV CORP (FC-DB-L.CA). This can be considered as Overvalued.


Can you provide the profitability details for FIRM CAP MTG INV CORP?

FIRM CAP MTG INV CORP (FC-DB-L.CA) has a profitability rating of 7 / 10.


What are the PE and PB ratios of FIRM CAP MTG INV CORP (FC-DB-L.CA) stock?

The Price/Earnings (PE) ratio for FIRM CAP MTG INV CORP (FC-DB-L.CA) is 98.52 and the Price/Book (PB) ratio is 8.6.


What is the earnings growth outlook for FIRM CAP MTG INV CORP?

The Earnings per Share (EPS) of FIRM CAP MTG INV CORP (FC-DB-L.CA) is expected to grow by 2.8% in the next year.