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BUILDERS CAPITAL MORTGAGE -A (BCF.CA) Stock Overview

Canada - TSX-V:BCF - CA12008G1019

9.25 CAD
0 (0%)
Last: 10/17/2025, 7:00:00 PM
Fundamental Rating

5

Overall BCF gets a fundamental rating of 5 out of 10. We evaluated BCF against 28 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.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year BCF was profitable.
BCF had a negative operating cash flow in the past year.
BCF had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: BCF reported negative operating cash flow in multiple 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 2015 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 6.48%, BCF belongs to the top of the industry, outperforming 96.55% of the companies in the same industry.
BCF has a better Return On Equity (11.53%) than 89.66% of its industry peers.
Industry RankSector 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
BCF.CA Yearly ROA, ROE, ROICBCF.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

With an excellent Profit Margin value of 580.48%, BCF belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
In the last couple of years the Profit Margin of BCF has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for BCF so they could not be analyzed.
Industry RankSector 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
BCF.CA Yearly Profit, Operating, Gross MarginsBCF.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500 -500 1K

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4

2. Health

2.1 Basic Checks

The number of shares outstanding for BCF has been reduced compared to 1 year ago.
BCF has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, BCF has a worse debt to assets ratio.
BCF.CA Yearly Shares OutstandingBCF.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 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.
Looking at the Altman-Z score, with a value of 1.48, BCF is doing worse than 65.52% of the companies in the same industry.
BCF has a Debt/Equity ratio of 0.75. This is a neutral value indicating 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 55.17% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.75
Debt/FCF N/A
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M

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.
BCF has a Current ratio of 4.79. This is amongst the best in the industry. BCF outperforms 96.55% of its industry peers.
A Quick Ratio of 4.79 indicates that BCF has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 4.79, BCF belongs to the top of the industry, outperforming 96.55% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 4.79
Quick Ratio 4.79
BCF.CA Yearly Current Assets VS Current LiabilitesBCF.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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6

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%.
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 29.29%.
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.
Based on estimates for the next years, BCF will show a very strong growth in Revenue. The Revenue will grow by 30.46% on average per year.
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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.64 indicates a reasonable valuation of BCF.
Based on the Price/Earnings ratio, BCF is valued cheaply inside the industry as 93.10% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of BCF to the average of the S&P500 Index (27.42), we can say BCF is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.07, the valuation of BCF can be described as reasonable.
Based on the Price/Forward Earnings ratio, BCF is valued cheaper than 89.66% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.94. BCF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.64
Fwd PE 9.07
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 80 100

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BCF.CA Per share dataBCF.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

A cheap valuation may be justified as BCF's earnings are expected to decrease with -6.40% in the coming years.
PEG (NY)N/A
PEG (5Y)0.55
EPS Next 2Y-6.4%
EPS Next 3YN/A

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6

5. Dividend

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 6.69, BCF pays a better dividend. On top of this BCF pays more dividend than 82.76% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, BCF pays a better dividend.
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 been paying a dividend for at least 10 years, so it has 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

96.10% 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.
DP96.1%
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 2015 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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BUILDERS CAPITAL MORTGAGE -A

TSX-V:BCF (10/17/2025, 7:00:00 PM)

9.25

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-27 2025-08-27
Earnings (Next)11-27 2025-11-27
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners2.13%
Ins Owner ChangeN/A
Market Cap20.81M
Analysts84.44
Price Target11.15 (20.54%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.74%
Yearly Dividend1.03
Dividend Growth(5Y)7.59%
DP96.1%
Div Incr Years1
Div Non Decr Years1
Ex-Date09-29 2025-09-29 (0.2)
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)51.78%
Valuation
Industry RankSector Rank
PE 8.64
Fwd PE 9.07
P/S 35.72
P/FCF N/A
P/OCF N/A
P/B 0.71
P/tB 0.71
EV/EBITDA N/A
EPS(TTM)1.07
EY11.57%
EPS(NY)1.02
Fwd EY11.02%
FCF(TTM)-1.62
FCFYN/A
OCF(TTM)-1.62
OCFYN/A
SpS0.26
BVpS13.03
TBVpS13.03
PEG (NY)N/A
PEG (5Y)0.55
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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