BUILDERS CAPITAL MORTGAGE -A (BCF.CA) Stock Price, Forecast & Analysis
Canada - TSX Venture Exchange - TSX-V:BCF - CA12008G1019
9.36 CAD
+0.03 (+0.32%)
Overall BCF gets a fundamental rating of 5 out of 10. We evaluated BCF against 27 industry peers in the Financial Services industry. BCF has only an average score on both its financial health and profitability. BCF has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year BCF was profitable.
In the past year BCF has reported a negative cash flow from operations.
BCF had positive earnings in each of the past 5 years.
In multiple years BCF reported negative operating cash flow during the last 5 years.
1.2 Ratios
With an excellent Return On Assets value of 6.48%, BCF belongs to the best of the industry, outperforming 96.30% of the companies in the same industry.
With an excellent Return On Equity value of 11.53%, BCF belongs to the best of the industry, outperforming 92.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.48% | ||
| ROE | 11.53% | ||
| ROIC | N/A |
ROA(3y)8.34%
ROA(5y)8.08%
ROE(3y)10.56%
ROE(5y)9.66%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 580.48%, BCF belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
BCF's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for BCF so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 580.48% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.04%
PM growth 5Y-0.37%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
Compared to 1 year ago, BCF has less shares outstanding
The number of shares outstanding for BCF has been increased compared to 5 years ago.
BCF has a worse debt/assets ratio than last year.
2.2 Solvency
BCF has an Altman-Z score of 1.48. This is a bad value and indicates that BCF is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of BCF (1.48) is worse than 66.67% of its industry peers.
BCF has a Debt/Equity ratio of 0.75. This is a neutral value indicating BCF is somewhat dependend on debt financing.
The Debt to Equity ratio of BCF (0.75) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.75 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.48 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
BCF has a Current Ratio of 4.79. This indicates that BCF is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 4.79, BCF belongs to the top of the industry, outperforming 96.30% of the companies in the same industry.
A Quick Ratio of 4.79 indicates that BCF has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 4.79, BCF belongs to the best of the industry, outperforming 96.30% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.79 | ||
| Quick Ratio | 4.79 |
3. Growth
3.1 Past
BCF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.65%.
BCF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.62% yearly.
The Revenue has grown by 29.29% in the past year. This is a very strong growth!
BCF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.23% yearly.
EPS 1Y (TTM)3.65%
EPS 3Y9.06%
EPS 5Y15.62%
EPS Q2Q%13.39%
Revenue 1Y (TTM)29.29%
Revenue growth 3Y12.1%
Revenue growth 5Y18.23%
Sales Q2Q%62.53%
3.2 Future
BCF is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -6.40% yearly.
BCF is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 30.46% yearly.
EPS Next Y-6.19%
EPS Next 2Y-6.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year48.65%
Revenue Next 2Y30.46%
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 decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.75, the valuation of BCF can be described as reasonable.
Based on the Price/Earnings ratio, BCF is valued cheaper than 92.59% of the companies in the same industry.
When comparing the Price/Earnings ratio of BCF to the average of the S&P500 Index (25.45), we can say BCF is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.18, the valuation of BCF can be described as reasonable.
BCF's Price/Forward Earnings ratio is rather cheap when compared to the industry. BCF is cheaper than 88.89% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.46, BCF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.75 | ||
| Fwd PE | 9.18 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BCF's earnings are expected to decrease with -6.40% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.56
EPS Next 2Y-6.4%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.74%, BCF is a good candidate for dividend investing.
BCF's Dividend Yield is rather good when compared to the industry average which is at 6.83. BCF pays more dividend than 81.48% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.42, BCF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.74% |
5.2 History
On average, the dividend of BCF grows each year by 7.59%, which is quite nice.
BCF has paid a dividend for at least 10 years, which is a reliable track record.
BCF has decreased its dividend recently.
Dividend Growth(5Y)7.59%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
96.10% of the earnings are spent on dividend by BCF. This is not a sustainable payout ratio.
The Dividend Rate of BCF has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP96.1%
EPS Next 2Y-6.4%
EPS Next 3YN/A
TSX-V:BCF (11/17/2025, 7:00:00 PM)
9.36
+0.03 (+0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners2.13%
Ins Owner ChangeN/A
Market Cap21.06M
Revenue(TTM)582.60K
Net Income(TTM)3.38M
Analysts84.44
Price Target11.15 (19.12%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.74% |
Yearly Dividend1.03
Dividend Growth(5Y)7.59%
DP96.1%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
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)0%
PT rev (3m)7.16%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.75 | ||
| Fwd PE | 9.18 | ||
| P/S | 36.15 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.72 | ||
| P/tB | 0.72 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.07
EY11.43%
EPS(NY)1.02
Fwd EY10.89%
FCF(TTM)-1.62
FCFYN/A
OCF(TTM)-1.62
OCFYN/A
SpS0.26
BVpS13.03
TBVpS13.03
PEG (NY)N/A
PEG (5Y)0.56
Graham Number17.71
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.48% | ||
| ROE | 11.53% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 580.48% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)8.34%
ROA(5y)8.08%
ROE(3y)10.56%
ROE(5y)9.66%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.04%
PM growth 5Y-0.37%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.01
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.75 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 4.79 | ||
| Quick Ratio | 4.79 | ||
| Altman-Z | 1.48 |
F-Score2
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)3.65%
EPS 3Y9.06%
EPS 5Y15.62%
EPS Q2Q%13.39%
EPS Next Y-6.19%
EPS Next 2Y-6.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)29.29%
Revenue growth 3Y12.1%
Revenue growth 5Y18.23%
Sales Q2Q%62.53%
Revenue Next Year48.65%
Revenue Next 2Y30.46%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-43.98%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-42.61%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-42.61%
OCF growth 3YN/A
OCF growth 5YN/A
BUILDERS CAPITAL MORTGAGE -A / BCF.CA FAQ
What does BCF do?
Builders Capital Mortgage Corp. provides short-term course of construction financing to builders of residential, wood-frame properties in Western Canada. The company is headquartered in Calgary, Alberta. The company went IPO on 2013-12-23. The firm is engaged in providing short-term course of construction financing to builders of residential, wood-frame properties in Western Canada. Its investment objective is to generate attractive returns, relative to risk, in order to provide stable and consistent distributions to shareholders while remaining focused on capital preservation and satisfying the criteria mandated for mortgage investment corporations (MIC). The Company’s mortgage portfolio and operations are managed by Builders Capital Management Corp.
What is the current price of BCF stock?
The current stock price of BCF.CA is 9.36 CAD. The price increased by 0.32% in the last trading session.
How is the ChartMill rating for BUILDERS CAPITAL MORTGAGE -A?
BCF.CA has a ChartMill Technical rating of 1 out of 10 and a ChartMill Fundamental rating of 5 out of 10.
Which stock exchange lists BCF stock?
BCF.CA stock is listed on the TSX Venture Exchange exchange.