FIRM CAP MTG INV CORP (FC-DB-J.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:FC-DB-J - CA318323AL60
100 CAD
-0.01 (-0.01%)
Overall FC-DB-J gets a fundamental rating of 5 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 some minor concerns on its financial health. FC-DB-J is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year FC-DB-J was profitable.
- 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.
- FC-DB-J had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of FC-DB-J (6.32%) is better than 82.14% of its industry peers.
- Looking at the Return On Equity, with a value of 8.87%, FC-DB-J is in the better half of the industry, outperforming 60.71% of the companies in the same industry.
- The Return On Invested Capital of FC-DB-J (5.85%) is better than 64.29% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for FC-DB-J is below the industry average of 7.80%.
- The 3 year average ROIC (5.27%) for FC-DB-J is below the current ROIC(5.85%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.32% | ||
| ROE | 8.87% | ||
| ROIC | 5.85% |
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 Profit Margin of 55.47%. This is in the better half of the industry: FC-DB-J outperforms 75.00% of its industry peers.
- FC-DB-J's Profit Margin has declined in the last couple of years.
- FC-DB-J has a better Operating Margin (70.96%) than 82.14% of its industry peers.
- In the last couple of years the Operating Margin of FC-DB-J has grown nicely.
- The Gross Margin of FC-DB-J (73.45%) is better than 75.00% of its industry peers.
- FC-DB-J's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 70.96% | ||
| 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
- Compared to 1 year ago, FC-DB-J has more shares outstanding
- FC-DB-J has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for FC-DB-J is higher compared to a year ago.
2.2 Solvency
- FC-DB-J has an Altman-Z score of 13.21. This indicates that FC-DB-J is financially healthy and has little risk of bankruptcy at the moment.
- The Altman-Z score of FC-DB-J (13.21) is better than 78.57% of its industry peers.
- The Debt to FCF ratio of FC-DB-J is 16.79, which is on the high side as it means it would take FC-DB-J, 16.79 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 16.79, FC-DB-J is in the better half of the industry, outperforming 60.71% of the companies in the same industry.
- FC-DB-J has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
- With a decent Debt to Equity ratio value of 0.39, FC-DB-J is doing good in the industry, outperforming 78.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 16.79 | ||
| Altman-Z | 13.21 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- A Current Ratio of 2.51 indicates that FC-DB-J has no problem at all paying its short term obligations.
- With an excellent Current ratio value of 2.51, FC-DB-J belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
- A Quick Ratio of 2.51 indicates that FC-DB-J has no problem at all paying its short term obligations.
- The Quick ratio of FC-DB-J (2.51) is better than 85.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.51 | ||
| Quick Ratio | 2.51 |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 3.96% over the past year.
- FC-DB-J 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 -6.64% in the past year.
- The Revenue has been growing slightly by 7.71% on average over the past years.
EPS 1Y (TTM)3.96%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%-1.6%
Revenue 1Y (TTM)-6.64%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.14%
3.2 Future
- FC-DB-J is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.18% yearly.
- Based on estimates for the next years, FC-DB-J will show a decrease in Revenue. The Revenue will decrease by -5.64% on average per year.
EPS Next Y5.86%
EPS Next 2Y2.91%
EPS Next 3Y2.18%
EPS Next 5YN/A
Revenue Next Year-5.58%
Revenue Next 2Y-7.81%
Revenue Next 3Y-5.64%
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.
- 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 98.04, FC-DB-J can be considered very expensive at the moment.
- FC-DB-J's Price/Earnings ratio is in line with the industry average.
- When comparing the Price/Earnings ratio of FC-DB-J to the average of the S&P500 Index (27.38), we can say FC-DB-J is valued expensively.
- With a Price/Forward Earnings ratio of 95.18, FC-DB-J can be considered very expensive at the moment.
- The rest of the industry has a similar Price/Forward Earnings ratio as FC-DB-J.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, FC-DB-J is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.04 | ||
| Fwd PE | 95.18 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of FC-DB-J is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 371.52 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FC-DB-J does not grow enough to justify the current Price/Earnings ratio.
- FC-DB-J has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)16.74
PEG (5Y)N/A
EPS Next 2Y2.91%
EPS Next 3Y2.18%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 7.72%, FC-DB-J is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 6.56, FC-DB-J has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.85, FC-DB-J pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.72% |
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
- 95.98% of the earnings are spent on dividend by FC-DB-J. This is not a sustainable payout ratio.
DP95.98%
EPS Next 2Y2.91%
EPS Next 3Y2.18%
TSX:FC-DB-J (1/16/2026, 7:00:00 PM)
100
-0.01 (-0.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)03-30 2026-03-30
Inst Owners1.58%
Inst Owner ChangeN/A
Ins Owners2.2%
Ins Owner ChangeN/A
Market Cap3.67B
Revenue(TTM)65.87M
Net Income(TTM)37.77M
Analysts84
Price Target112.38 (12.38%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.72% |
Yearly Dividend0.98
Dividend Growth(5Y)-0.4%
DP95.98%
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)0.47%
PT rev (3m)-1.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.04 | ||
| Fwd PE | 95.18 | ||
| P/S | 53.96 | ||
| P/FCF | 371.52 | ||
| P/OCF | 371.52 | ||
| P/B | 8.62 | ||
| P/tB | 8.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.02
EY1.02%
EPS(NY)1.05
Fwd EY1.05%
FCF(TTM)0.27
FCFY0.27%
OCF(TTM)0.27
OCFY0.27%
SpS1.85
BVpS11.59
TBVpS11.6
PEG (NY)16.74
PEG (5Y)N/A
Graham Number16.31
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.32% | ||
| ROE | 8.87% | ||
| ROCE | 8.12% | ||
| ROIC | 5.85% | ||
| ROICexc | 5.85% | ||
| ROICexgc | 5.85% | ||
| OM | 70.96% | ||
| PM (TTM) | 55.47% | ||
| GM | 73.45% | ||
| FCFM | 14.52% |
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%
ROICexgc growth 3Y16%
ROICexgc 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-Score6
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 16.79 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.92 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 26.18% | ||
| Current Ratio | 2.51 | ||
| Quick Ratio | 2.51 | ||
| Altman-Z | 13.21 |
F-Score6
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)3.96%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%-1.6%
EPS Next Y5.86%
EPS Next 2Y2.91%
EPS Next 3Y2.18%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.64%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.14%
Revenue Next Year-5.58%
Revenue Next 2Y-7.81%
Revenue Next 3Y-5.64%
Revenue Next 5YN/A
EBIT growth 1Y1.38%
EBIT growth 3Y15.28%
EBIT growth 5Y10.11%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-83.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-83.64%
OCF growth 3YN/A
OCF growth 5YN/A
FIRM CAP MTG INV CORP / FC-DB-J.CA FAQ
What does FC-DB-J do?
Firm Capital Mortgage Investment Corp. is a non-bank lender, which engages in the investment in short-term residential and commercial real estate mortgage loans and real estate related debt investments. The company is headquartered in Toronto, Ontario and currently employs 1 full-time employees. The Company, through its mortgage banker, Firm Capital Corporation, is a non-bank lender providing residential and commercial short-term bridge and conventional real estate financing, including construction, mezzanine and equity investments. The Company’s investment objective is the preservation of shareholders’ equity, while providing shareholders with a stable stream of monthly dividends from investments. The company achieves its investment objectives through investments in selected niche markets that are under-serviced by large lending institutions. Its investment categories include conventional first mortgages, conventional non-first mortgages, related debt investments, debtor-in-possession loans, marketable securities and non-conventional mortgages. The Company’s mortgage banker provides loan origination, underwriting, loan servicing and syndication services.
Can you provide the latest stock price for FIRM CAP MTG INV CORP?
The current stock price of FC-DB-J.CA is 100 CAD. The price decreased by -0.01% in the last trading session.
What is the ChartMill rating of FIRM CAP MTG INV CORP stock?
FC-DB-J.CA has a ChartMill Technical rating of 0 out of 10 and a ChartMill Fundamental rating of 5 out of 10.