BUILDERS CAPITAL MORTGAGE -A (BCF.CA) Stock Overview
Canada - TSX-V:BCF - CA12008G1019
9.78 CAD
0 (0%)
We assign a fundamental rating of 5 out of 10 to BCF. BCF was compared to 29 industry peers in the Financial Services industry. Both the profitability and the financial health of BCF get a neutral evaluation. Nothing too spectacular is happening here. BCF has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
BCF had positive earnings in the past year.
BCF had a negative operating cash flow in the past year.
In the past 5 years BCF has always been profitable.
In multiple years BCF reported negative operating cash flow during the last 5 years.
1.2 Ratios
BCF's Return On Assets of 6.48% is amongst the best of the industry. BCF outperforms 93.10% of its industry peers.
The Return On Equity of BCF (11.53%) is better than 89.66% of its industry peers.
| 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
BCF's Profit Margin of 580.48% is amongst the best of the industry. BCF outperforms 100.00% of its industry peers.
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
The number of shares outstanding for BCF has been reduced compared to 1 year ago.
Compared to 5 years ago, BCF has more shares outstanding
BCF has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.51, we must say that BCF is in the distress zone and has some risk of bankruptcy.
BCF has a Altman-Z score of 1.51. This is in the lower half of the industry: BCF underperforms 65.52% 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.
BCF has a Debt to Equity ratio of 0.75. This is comparable to the rest of the industry: BCF outperforms 55.17% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.75 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.51 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 4.79 indicates that BCF has no problem at all paying its short term obligations.
BCF's Current ratio of 4.79 is amongst the best of 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.
The Quick ratio of BCF (4.79) is better than 96.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.79 | ||
| Quick Ratio | 4.79 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 3.65% over the past year.
Measured over the past years, BCF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.62% on average per year.
The Revenue has grown by 29.29% in the past year. This is a very strong growth!
The Revenue has been growing by 18.23% on average over the past years. This is quite good.
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
The Earnings Per Share is expected to decrease by -6.40% on average over the next years.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
BCF is valuated reasonably with a Price/Earnings ratio of 9.14.
Compared to the rest of the industry, the Price/Earnings ratio of BCF indicates a rather cheap valuation: BCF is cheaper than 86.21% of the companies listed in the same industry.
BCF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.
Based on the Price/Forward Earnings ratio of 9.59, the valuation of BCF can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BCF indicates a rather cheap valuation: BCF is cheaper than 89.66% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of BCF to the average of the S&P500 Index (22.73), we can say BCF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.14 | ||
| Fwd PE | 9.59 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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)0.59
EPS Next 2Y-6.4%
EPS Next 3YN/A
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 6.71, BCF pays a better dividend. On top of this BCF pays more dividend than 82.76% 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 2.38.
| 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
BCF pays out 96.10% of its income as dividend. 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 (9/12/2025, 7:00:00 PM)
9.78
0 (0%)
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 Cap22.00M
Analysts84.44
Price Target11.15 (14.01%)
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)7.16%
PT rev (3m)10.18%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.14 | ||
| Fwd PE | 9.59 | ||
| P/S | 37.77 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.75 | ||
| P/tB | 0.75 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.07
EY10.94%
EPS(NY)1.02
Fwd EY10.43%
FCF(TTM)-1.62
FCFYN/A
OCF(TTM)-1.62
OCFYN/A
SpS0.26
BVpS13.03
TBVpS13.03
PEG (NY)N/A
PEG (5Y)0.59
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
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 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 | 1.51 |
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