BUILDERS CAPITAL MORTGAGE -A (BCF.CA) Fundamental Analysis & Valuation

TSX-V:BCF • CA12008G1019

Current stock price

9.6 CAD
+0.15 (+1.59%)
Last:

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

4

1. BCF.CA Profitability Analysis

1.1 Basic Checks

  • In the past year BCF was profitable.
  • In the past year BCF had a positive cash flow from operations.
  • Each year in the past 5 years BCF has been profitable.
  • In multiple years BCF reported negative operating cash flow during the last 5 years.
BCF.CA Yearly Net Income VS EBIT VS OCF VS FCFBCF.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 0 5M -5M -10M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 6.79%, BCF belongs to the top of the industry, outperforming 93.33% of the companies in the same industry.
  • The Return On Equity of BCF (12.19%) is better than 86.67% of its industry peers.
Industry RankSector Rank
ROA 6.79%
ROE 12.19%
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
BCF.CA Yearly ROA, ROE, ROICBCF.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 485.87%, 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.
  • BCF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 485.87%
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
BCF.CA Yearly Profit, Operating, Gross MarginsBCF.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500 -500 1K

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5

2. BCF.CA Health Analysis

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.
  • The debt/assets ratio for BCF is higher compared to a year ago.
BCF.CA Yearly Shares OutstandingBCF.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M
BCF.CA Yearly Total Debt VS Total AssetsBCF.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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.
  • With a Altman-Z score value of 1.48, BCF perfoms like the industry average, outperforming 46.67% of the companies in the same industry.
  • BCF has a debt to FCF ratio of 27.67. This is a negative value and a sign of low solvency as BCF would need 27.67 years to pay back of all of its debts.
  • BCF has a Debt to FCF ratio (27.67) which is in line with its industry peers.
  • A Debt/Equity ratio of 0.75 indicates that BCF is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.75, BCF is in line with its industry, outperforming 50.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.75
Debt/FCF 27.67
Altman-Z 1.48
ROIC/WACCN/A
WACCN/A
BCF.CA Yearly LT Debt VS Equity VS FCFBCF.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M

2.3 Liquidity

  • BCF has a Current Ratio of 4.71. This indicates that BCF is financially healthy and has no problem in meeting its short term obligations.
  • BCF's Current ratio of 4.71 is amongst the best of the industry. BCF outperforms 96.67% of its industry peers.
  • BCF has a Quick Ratio of 4.71. This indicates that BCF is financially healthy and has no problem in meeting its short term obligations.
  • The Quick ratio of BCF (4.71) is better than 96.67% of its industry peers.
Industry RankSector Rank
Current Ratio 4.71
Quick Ratio 4.71
BCF.CA Yearly Current Assets VS Current LiabilitesBCF.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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

7

3. BCF.CA Growth Analysis

3.1 Past

  • BCF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.62%, which is quite good.
  • The Earnings Per Share has been growing by 15.62% on average over the past years. This is quite good.
  • Looking at the last year, BCF shows a very strong growth in Revenue. The Revenue has grown by 56.85%.
  • 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)10.62%
EPS 3Y9.06%
EPS 5Y15.62%
EPS Q2Q%12.59%
Revenue 1Y (TTM)56.85%
Revenue growth 3Y12.1%
Revenue growth 5Y18.23%
Sales Q2Q%56.38%

3.2 Future

  • Based on estimates for the next years, BCF will show a decrease in Earnings Per Share. The EPS will decrease by -6.40% on average per year.
  • 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.
BCF.CA Yearly Revenue VS EstimatesBCF.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2M 4M 6M 8M
BCF.CA Yearly EPS VS EstimatesBCF.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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5

4. BCF.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.35, the valuation of BCF can be described as reasonable.
  • 90.00% of the companies in the same industry are more expensive than BCF, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of BCF to the average of the S&P500 Index (25.23), we can say BCF is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 9.41, the valuation of BCF can be described as reasonable.
  • 86.67% of the companies in the same industry are more expensive than BCF, based on the Price/Forward Earnings ratio.
  • BCF is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.51, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.35
Fwd PE 9.41
BCF.CA Price Earnings VS Forward Price EarningsBCF.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, BCF is valued a bit cheaper than the industry average as 70.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 26.87
EV/EBITDA N/A
BCF.CA Per share dataBCF.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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)0.53
EPS Next 2Y-6.4%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. BCF.CA Dividend Analysis

5.1 Amount

  • BCF has a Yearly Dividend Yield of 8.74%, which is a nice return.
  • Compared to an average industry Dividend Yield of 5.62, BCF pays a better dividend. On top of this BCF pays more dividend than 83.33% of the companies listed in the same industry.
  • BCF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector 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.
  • The dividend of BCF decreased recently.
Dividend Growth(5Y)7.59%
Div Incr Years1
Div Non Decr Years1
BCF.CA Yearly Dividends per shareBCF.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

  • 89.68% of the earnings are spent on dividend by BCF. This is not a sustainable payout ratio.
  • BCF's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP89.68%
EPS Next 2Y-6.4%
EPS Next 3YN/A
BCF.CA Yearly Income VS Free CF VS DividendBCF.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M -10M
BCF.CA Dividend Payout.BCF.CA Dividend Payout, showing the Payout Ratio.BCF.CA Dividend Payout.PayoutRetained Earnings

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BCF.CA Fundamentals: All Metrics, Ratios and Statistics

BUILDERS CAPITAL MORTGAGE -A

TSX-V:BCF (3/26/2026, 7:00:00 PM)

9.6

+0.15 (+1.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-27
Earnings (Next)04-21
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners2.15%
Ins Owner ChangeN/A
Market Cap21.60M
Revenue(TTM)742.20K
Net Income(TTM)3.61M
Analysts84.44
Price Target10.8 (12.5%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.74%
Yearly Dividend1.03
Dividend Growth(5Y)7.59%
DP89.68%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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)0%
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 RankSector Rank
PE 8.35
Fwd PE 9.41
P/S 29.1
P/FCF 26.87
P/OCF 26.87
P/B 0.73
P/tB 0.73
EV/EBITDA N/A
EPS(TTM)1.15
EY11.98%
EPS(NY)1.02
Fwd EY10.62%
FCF(TTM)0.36
FCFY3.72%
OCF(TTM)0.36
OCFY3.72%
SpS0.33
BVpS13.15
TBVpS13.15
PEG (NY)N/A
PEG (5Y)0.53
Graham Number18.45
Profitability
Industry RankSector Rank
ROA 6.79%
ROE 12.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 485.87%
GM N/A
FCFM 108.31%
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-Score5
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 0.75
Debt/FCF 27.67
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 22.29%
Current Ratio 4.71
Quick Ratio 4.71
Altman-Z 1.48
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)10.62%
EPS 3Y9.06%
EPS 5Y15.62%
EPS Q2Q%12.59%
EPS Next Y-6.19%
EPS Next 2Y-6.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)56.85%
Revenue growth 3Y12.1%
Revenue growth 5Y18.23%
Sales Q2Q%56.38%
Revenue Next Year48.65%
Revenue Next 2Y30.46%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-27.19%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y146.69%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y146.69%
OCF growth 3YN/A
OCF growth 5YN/A

BUILDERS CAPITAL MORTGAGE -A / BCF.CA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for BUILDERS CAPITAL MORTGAGE -A?

ChartMill assigns a fundamental rating of 5 / 10 to BCF.CA.


Can you provide the valuation status for BUILDERS CAPITAL MORTGAGE -A?

ChartMill assigns a valuation rating of 5 / 10 to BUILDERS CAPITAL MORTGAGE -A (BCF.CA). This can be considered as Fairly Valued.


Can you provide the profitability details for BUILDERS CAPITAL MORTGAGE -A?

BUILDERS CAPITAL MORTGAGE -A (BCF.CA) has a profitability rating of 4 / 10.


How financially healthy is BUILDERS CAPITAL MORTGAGE -A?

The financial health rating of BUILDERS CAPITAL MORTGAGE -A (BCF.CA) is 5 / 10.


Can you provide the dividend sustainability for BCF stock?

The dividend rating of BUILDERS CAPITAL MORTGAGE -A (BCF.CA) is 6 / 10 and the dividend payout ratio is 89.68%.