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

Canada • TSX Venture Exchange • TSX-V:BCF • CA12008G1019

9.75 CAD
+0.07 (+0.72%)
Last: Feb 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis News
Fundamental Rating

5

Taking everything into account, BCF scores 5 out of 10 in our fundamental rating. BCF was compared to 27 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 is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • BCF had positive earnings in the past year.
  • In the past year BCF had a positive cash flow from operations.
  • Each year in the past 5 years BCF has been profitable.
  • 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 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 92.59% of the companies in the same industry.
  • BCF has a Return On Equity of 12.19%. This is amongst the best in the industry. BCF outperforms 85.19% 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

  • BCF's Profit Margin of 485.87% 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 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, BCF has less shares outstanding
  • Compared to 5 years ago, BCF has more shares outstanding
  • BCF has a worse debt/assets ratio than last year.
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

  • Based on the Altman-Z score of 1.49, we must say that BCF is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of 1.49, BCF perfoms like the industry average, outperforming 40.74% 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.
  • With a Debt to FCF ratio value of 27.67, BCF perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
  • A Debt/Equity ratio of 0.75 indicates that BCF is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.75, BCF perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.75
Debt/FCF 27.67
Altman-Z 1.49
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

  • A Current Ratio of 4.71 indicates that BCF has no problem at all paying its short term obligations.
  • BCF has a better Current ratio (4.71) than 96.30% 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.
  • With an excellent Quick ratio value of 4.71, BCF belongs to the best of the industry, outperforming 96.30% of the companies in the same industry.
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

More info and screens

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

7

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 10.62% over the past year.
  • The Earnings Per Share has been growing by 15.62% on average over the past years. This is quite good.
  • BCF shows a strong growth in Revenue. In the last year, the Revenue has grown by 56.85%.
  • The Revenue has been growing by 18.23% on average over the past years. This is quite good.
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

  • 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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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

More info and screens

Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • BCF is valuated reasonably with a Price/Earnings ratio of 8.48.
  • Based on the Price/Earnings ratio, BCF is valued cheaply inside the industry as 85.19% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 28.06, BCF is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.56, the valuation of BCF can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BCF indicates a rather cheap valuation: BCF is cheaper than 81.48% of the companies listed in the same industry.
  • BCF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.86.
Industry RankSector Rank
PE 8.48
Fwd PE 9.56
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BCF indicates a somewhat cheap valuation: BCF is cheaper than 66.67% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 27.29
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)0.54
EPS Next 2Y-6.4%
EPS Next 3YN/A

More info and screens

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

6

5. Dividend

5.1 Amount

  • BCF has a Yearly Dividend Yield of 8.74%, which is a nice return.
  • BCF's Dividend Yield is rather good when compared to the industry average which is at 5.61. BCF pays more dividend than 81.48% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, BCF pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.74%

5.2 History

  • The dividend of BCF is nicely growing with an annual growth rate of 7.59%!
  • BCF has been paying a dividend for at least 10 years, so it has a reliable track record.
  • BCF has decreased its dividend 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

More info and screens

Find the best dividend stocksShow peers with best dividend

BUILDERS CAPITAL MORTGAGE -A

TSX-V:BCF (2/6/2026, 7:00:00 PM)

9.75

+0.07 (+0.72%)

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 Cap21.94M
Revenue(TTM)742.20K
Net Income(TTM)3.61M
Analysts84.44
Price Target10.8 (10.77%)
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)-3.11%
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 8.48
Fwd PE 9.56
P/S 29.56
P/FCF 27.29
P/OCF 27.29
P/B 0.74
P/tB 0.74
EV/EBITDA N/A
EPS(TTM)1.15
EY11.79%
EPS(NY)1.02
Fwd EY10.46%
FCF(TTM)0.36
FCFY3.66%
OCF(TTM)0.36
OCFY3.66%
SpS0.33
BVpS13.15
TBVpS13.15
PEG (NY)N/A
PEG (5Y)0.54
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 1.49
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 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%.