FIRM CAP MTG INV CORP (FC-DB-I.CA) Stock Overview
Canada - TSX:FC-DB-I - CA318323AK87
100.03 CAD
0 (0%)
Taking everything into account, FC-DB-I scores 3 out of 10 in our fundamental rating. FC-DB-I was compared to 29 industry peers in the Financial Services industry. FC-DB-I has a medium profitability rating, but doesn't score so well on its financial health evaluation. FC-DB-I has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
FC-DB-I had positive earnings in the past year.
FC-DB-I had a negative operating cash flow in the past year.
In the past 5 years FC-DB-I has always been profitable.
Of the past 5 years FC-DB-I 4 years had a positive operating cash flow.
1.2 Ratios
FC-DB-I's Return On Assets of 5.58% is fine compared to the rest of the industry. FC-DB-I outperforms 80.00% of its industry peers.
Looking at the Return On Equity, with a value of 8.32%, FC-DB-I is in line with its industry, outperforming 53.33% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 5.56%, FC-DB-I is in line with its industry, outperforming 53.33% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for FC-DB-I is in line with the industry average of 5.62%.
The last Return On Invested Capital (5.56%) for FC-DB-I is above the 3 year average (5.27%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.58% | ||
| ROE | 8.32% | ||
| ROIC | 5.56% |
ROA(3y)5.43%
ROA(5y)5.14%
ROE(3y)8.32%
ROE(5y)8.09%
ROIC(3y)5.27%
ROIC(5y)4.6%
1.3 Margins
Looking at the Profit Margin, with a value of 51.33%, FC-DB-I is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
In the last couple of years the Profit Margin of FC-DB-I has declined.
FC-DB-I's Operating Margin of 70.17% is fine compared to the rest of the industry. FC-DB-I outperforms 66.67% of its industry peers.
FC-DB-I's Operating Margin has improved in the last couple of years.
The Gross Margin of FC-DB-I (72.66%) is better than 73.33% of its industry peers.
In the last couple of years the Gross Margin of FC-DB-I has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 70.17% | ||
| PM (TTM) | 51.33% | ||
| GM | 72.66% |
OM growth 3Y2.26%
OM growth 5Y2.23%
PM growth 3Y-6.4%
PM growth 5Y-2.8%
GM growth 3Y2.15%
GM growth 5Y2.11%
2. Health
2.1 Basic Checks
Compared to 1 year ago, FC-DB-I has more shares outstanding
FC-DB-I has more shares outstanding than it did 5 years ago.
FC-DB-I has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 10.85 indicates that FC-DB-I is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 10.85, FC-DB-I is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
A Debt/Equity ratio of 0.47 indicates that FC-DB-I is not too dependend on debt financing.
The Debt to Equity ratio of FC-DB-I (0.47) is better than 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 10.85 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
FC-DB-I has a Current Ratio of 0.11. This is a bad value and indicates that FC-DB-I is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Current ratio value of 0.11, FC-DB-I is not doing good in the industry: 63.33% of the companies in the same industry are doing better.
A Quick Ratio of 0.11 indicates that FC-DB-I may have some problems paying its short term obligations.
FC-DB-I has a Quick ratio of 0.11. This is in the lower half of the industry: FC-DB-I underperforms 63.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 |
3. Growth
3.1 Past
FC-DB-I shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.61%.
FC-DB-I shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.04% yearly.
The Revenue has decreased by -4.55% in the past year.
Measured over the past years, FC-DB-I shows a small growth in Revenue. The Revenue has been growing by 7.71% on average per year.
EPS 1Y (TTM)0.61%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%2.9%
Revenue 1Y (TTM)-4.55%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-10.64%
3.2 Future
Based on estimates for the next years, FC-DB-I will show a small growth in Earnings Per Share. The EPS will grow by 2.91% on average per year.
Based on estimates for the next years, FC-DB-I will show a decrease in Revenue. The Revenue will decrease by -8.26% on average per year.
EPS Next Y3.83%
EPS Next 2Y2.91%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-10.67%
Revenue Next 2Y-8.26%
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 accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 101.04, which means the current valuation is very expensive for FC-DB-I.
FC-DB-I's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.38, FC-DB-I is valued quite expensively.
The Price/Forward Earnings ratio is 97.12, which means the current valuation is very expensive for FC-DB-I.
FC-DB-I's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.86. FC-DB-I is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 101.04 | ||
| Fwd PE | 97.12 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The decent profitability rating of FC-DB-I may justify a higher PE ratio.
PEG (NY)26.38
PEG (5Y)N/A
EPS Next 2Y2.91%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.77%, FC-DB-I is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.71, FC-DB-I has a dividend in line with its industry peers.
FC-DB-I's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.77% |
5.2 History
The dividend of FC-DB-I decreases each year by -0.40%.
FC-DB-I is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)-0.4%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
98.91% of the earnings are spent on dividend by FC-DB-I. This is not a sustainable payout ratio.
DP98.91%
EPS Next 2Y2.91%
EPS Next 3YN/A
TSX:FC-DB-I (5/8/2025, 7:00:00 PM)
100.03
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners2.08%
Inst Owner ChangeN/A
Ins Owners2.28%
Ins Owner ChangeN/A
Market Cap3.68B
Analysts84
Price Target117.23 (17.19%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.77% |
Yearly Dividend0.98
Dividend Growth(5Y)-0.4%
DP98.91%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.62%
Min EPS beat(2)-13.31%
Max EPS beat(2)-1.92%
EPS beat(4)0
Avg EPS beat(4)-5.06%
Min EPS beat(4)-13.31%
Max EPS beat(4)-0.91%
EPS beat(8)1
Avg EPS beat(8)-4.15%
EPS beat(12)1
Avg EPS beat(12)-5.62%
EPS beat(16)2
Avg EPS beat(16)-4.65%
Revenue beat(2)1
Avg Revenue beat(2)1.22%
Min Revenue beat(2)-2.91%
Max Revenue beat(2)5.34%
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)0.81%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.59%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 101.04 | ||
| Fwd PE | 97.12 | ||
| P/S | 53.55 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 8.68 | ||
| P/tB | 8.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.99
EY0.99%
EPS(NY)1.03
Fwd EY1.03%
FCF(TTM)-0.37
FCFYN/A
OCF(TTM)-0.37
OCFYN/A
SpS1.87
BVpS11.52
TBVpS11.52
PEG (NY)26.38
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.58% | ||
| ROE | 8.32% | ||
| ROCE | 8.65% | ||
| ROIC | 5.56% | ||
| ROICexc | 5.56% | ||
| ROICexgc | 5.56% | ||
| OM | 70.17% | ||
| PM (TTM) | 51.33% | ||
| GM | 72.66% | ||
| FCFM | N/A |
ROA(3y)5.43%
ROA(5y)5.14%
ROE(3y)8.32%
ROE(5y)8.09%
ROIC(3y)5.27%
ROIC(5y)4.6%
ROICexc(3y)5.31%
ROICexc(5y)4.62%
ROICexgc(3y)5.31%
ROICexgc(5y)4.62%
ROCE(3y)8%
ROCE(5y)7.07%
ROICexcg growth 3Y16%
ROICexcg growth 5Y4.26%
ROICexc growth 3Y16%
ROICexc growth 5Y4.26%
OM growth 3Y2.26%
OM growth 5Y2.23%
PM growth 3Y-6.4%
PM growth 5Y-2.8%
GM growth 3Y2.15%
GM growth 5Y2.11%
F-Score3
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.83 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 | ||
| Altman-Z | 10.85 |
F-Score3
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)0.61%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%2.9%
EPS Next Y3.83%
EPS Next 2Y2.91%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.55%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-10.64%
Revenue Next Year-10.67%
Revenue Next 2Y-8.26%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-2.8%
EBIT growth 3Y15.28%
EBIT growth 5Y10.11%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-121.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-121.68%
OCF growth 3YN/A
OCF growth 5YN/A