FIRM CAP MTG INV CORP (FC-DB-I.CA) Stock Price, Quote, News and Overview
TSX:FC-DB-I - Toronto Stock Exchange - CA318323AK87 - Currency: CAD
We assign a fundamental rating of 3 out of 10 to FC-DB-I. FC-DB-I was compared to 28 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.
FC-DB-I had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 5.58%, FC-DB-I is doing good in the industry, outperforming 80.00% of the companies in the same industry.
The Return On Equity of FC-DB-I (8.32%) is comparable to the rest of the industry.
FC-DB-I has a Return On Invested Capital of 5.56%. This is comparable to the rest of the industry: FC-DB-I outperforms 53.33% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FC-DB-I is in line with the industry average of 5.22%.
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 has a better Operating Margin (70.17%) than 66.67% of its industry peers.
FC-DB-I's Operating Margin has improved in the last couple of years.
FC-DB-I has a Gross Margin of 72.66%. This is in the better half of the industry: FC-DB-I outperforms 73.33% of its industry peers.
FC-DB-I's Gross Margin has improved in the last couple of years.
| 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
The number of shares outstanding for FC-DB-I has been increased compared to 5 years ago.
Compared to 1 year ago, FC-DB-I has a worse debt to assets ratio.
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.
FC-DB-I has a better Altman-Z score (10.85) than 80.00% of its industry peers.
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
A Current Ratio of 0.11 indicates that FC-DB-I may have some problems paying its short term obligations.
FC-DB-I has a worse Current ratio (0.11) than 63.33% of its industry peers.
FC-DB-I has a Quick 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.
FC-DB-I has a worse Quick ratio (0.11) than 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%.
Measured over the past years, FC-DB-I shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.04% on average per year.
The Revenue has decreased by -4.55% in the past year.
FC-DB-I shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.71% yearly.
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
The Earnings Per Share is expected to grow by 2.91% on average over the next years.
The Revenue is expected to decrease by -8.26% on average over the next years.
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
The EPS growth rate is accelerating: in the next years the growth will be better 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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 101.04, FC-DB-I can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of FC-DB-I is on the same level as its industry peers.
FC-DB-I is valuated expensively when we compare the Price/Earnings ratio to 27.28, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 97.12, FC-DB-I can be considered very expensive at the moment.
FC-DB-I's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 21.76. 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 FC-DB-I does not grow enough to justify the current Price/Earnings ratio.
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
FC-DB-I has a Yearly Dividend Yield of 7.77%, which is a nice return.
FC-DB-I's Dividend Yield is comparable with the industry average which is at 7.22.
FC-DB-I's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| 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