FIRM CAP MTG INV CORP (FC-DB-J.CA) Stock Overview
Canada - TSX:FC-DB-J - CA318323AL60
100.22 CAD
-0.27 (-0.27%)
Overall FC-DB-J gets a fundamental rating of 4 out of 10. We evaluated FC-DB-J against 28 industry peers in the Financial Services industry. While FC-DB-J belongs to the best of the industry regarding profitability, there are concerns on its financial health. FC-DB-J does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
FC-DB-J had positive earnings in the past year.
In the past year FC-DB-J had a positive cash flow from operations.
Each year in the past 5 years FC-DB-J has been profitable.
Of the past 5 years FC-DB-J 4 years had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 5.98%, FC-DB-J belongs to the best of the industry, outperforming 82.14% of the companies in the same industry.
The Return On Equity of FC-DB-J (8.92%) is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 5.58%, FC-DB-J is in the better half of the industry, outperforming 60.71% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for FC-DB-J is in line with the industry average of 5.33%.
The 3 year average ROIC (5.27%) for FC-DB-J is below the current ROIC(5.58%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.98% | ||
| ROE | 8.92% | ||
| ROIC | 5.58% |
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
FC-DB-J has a better Profit Margin (55.47%) than 78.57% of its industry peers.
In the last couple of years the Profit Margin of FC-DB-J has declined.
FC-DB-J has a better Operating Margin (70.97%) than 75.00% of its industry peers.
FC-DB-J's Operating Margin has improved in the last couple of years.
With a decent Gross Margin value of 73.45%, FC-DB-J is doing good in the industry, outperforming 71.43% of the companies in the same industry.
FC-DB-J's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 70.97% | ||
| PM (TTM) | 55.47% | ||
| GM | 73.45% |
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
The number of shares outstanding for FC-DB-J has been increased compared to 1 year ago.
Compared to 5 years ago, FC-DB-J has more shares outstanding
FC-DB-J has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 10.87 indicates that FC-DB-J is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 10.87, FC-DB-J belongs to the top of the industry, outperforming 82.14% of the companies in the same industry.
The Debt to FCF ratio of FC-DB-J is 19.43, which is on the high side as it means it would take FC-DB-J, 19.43 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 19.43, FC-DB-J perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
A Debt/Equity ratio of 0.47 indicates that FC-DB-J is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.47, FC-DB-J is doing good in the industry, outperforming 71.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 19.43 | ||
| Altman-Z | 10.87 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.11 indicates that FC-DB-J may have some problems paying its short term obligations.
FC-DB-J's Current ratio of 0.11 is on the low side compared to the rest of the industry. FC-DB-J is outperformed by 67.86% of its industry peers.
A Quick Ratio of 0.11 indicates that FC-DB-J may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.11, FC-DB-J is doing worse than 67.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.47% over the past year.
Measured over the past years, FC-DB-J shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.04% on average per year.
The Revenue has decreased by -0.92% in the past year.
FC-DB-J shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.71% yearly.
EPS 1Y (TTM)4.47%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%6.07%
Revenue 1Y (TTM)-0.92%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.66%
3.2 Future
The Earnings Per Share is expected to grow by 2.59% on average over the next years.
Based on estimates for the next years, FC-DB-J will show a decrease in Revenue. The Revenue will decrease by -5.37% on average per year.
EPS Next Y5.91%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
EPS Next 5YN/A
Revenue Next Year-7.15%
Revenue Next 2Y-7.38%
Revenue Next 3Y-5.37%
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.
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
Based on the Price/Earnings ratio of 97.30, the valuation of FC-DB-J can be described as expensive.
Based on the Price/Earnings ratio, FC-DB-J is valued a bit more expensive than the industry average as 60.71% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 27.70. FC-DB-J is valued rather expensively when compared to this.
With a Price/Forward Earnings ratio of 94.93, FC-DB-J can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FC-DB-J is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 23.15. FC-DB-J is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.3 | ||
| Fwd PE | 94.93 |
4.2 Price Multiples
FC-DB-J's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. FC-DB-J is more expensive than 60.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 357.98 | ||
| 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.
FC-DB-J has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)16.47
PEG (5Y)N/A
EPS Next 2Y3.16%
EPS Next 3Y2.59%
5. Dividend
5.1 Amount
FC-DB-J has a Yearly Dividend Yield of 7.67%, which is a nice return.
FC-DB-J's Dividend Yield is a higher than the industry average which is at 6.68.
FC-DB-J's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.67% |
5.2 History
The dividend of FC-DB-J decreases each year by -0.40%.
FC-DB-J 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
95.55% of the earnings are spent on dividend by FC-DB-J. This is not a sustainable payout ratio.
DP95.55%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
TSX:FC-DB-J (10/7/2025, 7:00:00 PM)
100.22
-0.27 (-0.27%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.58%
Inst Owner ChangeN/A
Ins Owners2.2%
Ins Owner ChangeN/A
Market Cap3.68B
Analysts84
Price Target113.93 (13.68%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.67% |
Yearly Dividend0.98
Dividend Growth(5Y)-0.4%
DP95.55%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.74%
Min EPS beat(2)3.66%
Max EPS beat(2)3.82%
EPS beat(4)2
Avg EPS beat(4)-1.94%
Min EPS beat(4)-13.31%
Max EPS beat(4)3.82%
EPS beat(8)2
Avg EPS beat(8)-2.81%
EPS beat(12)3
Avg EPS beat(12)-4.09%
EPS beat(16)4
Avg EPS beat(16)-3.57%
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.92%
EPS NY rev (1m)0.49%
EPS NY rev (3m)2%
Revenue NQ rev (1m)2.73%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.11%
Revenue NY rev (3m)3.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.3 | ||
| Fwd PE | 94.93 | ||
| P/S | 54.08 | ||
| P/FCF | 357.98 | ||
| P/OCF | 357.98 | ||
| P/B | 8.7 | ||
| P/tB | 8.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY1.03%
EPS(NY)1.06
Fwd EY1.05%
FCF(TTM)0.28
FCFY0.28%
OCF(TTM)0.28
OCFY0.28%
SpS1.85
BVpS11.52
TBVpS11.52
PEG (NY)16.47
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.98% | ||
| ROE | 8.92% | ||
| ROCE | 8.68% | ||
| ROIC | 5.58% | ||
| ROICexc | 5.58% | ||
| ROICexgc | 5.58% | ||
| OM | 70.97% | ||
| PM (TTM) | 55.47% | ||
| GM | 73.45% | ||
| FCFM | 15.11% |
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-Score5
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 19.43 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 4.06 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 27.23% | ||
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 | ||
| Altman-Z | 10.87 |
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)4.47%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%6.07%
EPS Next Y5.91%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.92%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.66%
Revenue Next Year-7.15%
Revenue Next 2Y-7.38%
Revenue Next 3Y-5.37%
Revenue Next 5YN/A
EBIT growth 1Y1.37%
EBIT growth 3Y15.28%
EBIT growth 5Y10.11%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-82.99%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-82.99%
OCF growth 3YN/A
OCF growth 5YN/A