FIRM CAP MTG INV CORP (FC-DB-J.CA) Stock Price, Quote, News and Overview
TSX:FC-DB-J - Toronto Stock Exchange - CA318323AL60 - Currency: CAD
FC-DB-J gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 28 industry peers in the Financial Services industry. FC-DB-J has a medium profitability rating, but doesn't score so well on its financial health evaluation. FC-DB-J does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year FC-DB-J was profitable.
In the past year FC-DB-J has reported a negative 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
Looking at the Return On Assets, with a value of 5.58%, FC-DB-J is in the better half of the industry, outperforming 64.29% of the companies in the same industry.
With a Return On Equity value of 8.32%, FC-DB-J perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
FC-DB-J has a Return On Invested Capital (5.56%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for FC-DB-J is in line with the industry average of 5.22%.
The 3 year average ROIC (5.27%) for FC-DB-J is below the current ROIC(5.56%), indicating increased profibility in the last year.
| 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
The Profit Margin of FC-DB-J (51.33%) is better than 78.57% of its industry peers.
In the last couple of years the Profit Margin of FC-DB-J has declined.
The Operating Margin of FC-DB-J (70.17%) is better than 64.29% of its industry peers.
In the last couple of years the Operating Margin of FC-DB-J has grown nicely.
Looking at the Gross Margin, with a value of 72.66%, FC-DB-J is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
In the last couple of years the Gross Margin of FC-DB-J 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-J has more shares outstanding
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 10.84 indicates that FC-DB-J is not in any danger for bankruptcy at the moment.
FC-DB-J's Altman-Z score of 10.84 is amongst the best of the industry. FC-DB-J outperforms 85.71% of its industry peers.
FC-DB-J has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.47, FC-DB-J is doing good in the industry, outperforming 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 10.84 |
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.
The Current ratio of FC-DB-J (0.11) is comparable to the rest of the industry.
FC-DB-J has a Quick Ratio of 0.11. This is a bad value and indicates that FC-DB-J is not financially healthy enough and could expect problems in meeting its short term obligations.
FC-DB-J has a Quick ratio (0.11) which is comparable to the rest of the 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 0.61% 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.
FC-DB-J shows a decrease in Revenue. In the last year, the revenue decreased by -4.55%.
The Revenue has been growing slightly by 7.71% on average over the past years.
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-J will show a small growth in Earnings Per Share. The EPS will grow by 2.91% on average per year.
FC-DB-J is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -8.26% yearly.
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
Based on the Price/Earnings ratio of 101.02, the valuation of FC-DB-J can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of FC-DB-J indicates a slightly more expensive valuation: FC-DB-J is more expensive than 64.29% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.45. FC-DB-J is valued rather expensively when compared to this.
The Price/Forward Earnings ratio is 97.10, which means the current valuation is very expensive for FC-DB-J.
FC-DB-J's Price/Forward Earnings 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.
The average S&P500 Price/Forward Earnings ratio is at 21.90. FC-DB-J is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 101.02 | ||
| Fwd PE | 97.1 |
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-J does not grow enough to justify the current Price/Earnings ratio.
The decent profitability rating of FC-DB-J may justify a higher PE ratio.
PEG (NY)26.37
PEG (5Y)N/A
EPS Next 2Y2.91%
EPS Next 3YN/A
5. Dividend
5.1 Amount
FC-DB-J has a Yearly Dividend Yield of 7.66%, which is a nice return.
FC-DB-J's Dividend Yield is comparable with the industry average which is at 7.22.
Compared to an average S&P500 Dividend Yield of 2.42, FC-DB-J pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.66% |
5.2 History
The dividend of FC-DB-J decreases each year by -0.40%.
FC-DB-J does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)-0.4%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
FC-DB-J pays out 98.91% of its income as dividend. This is not a sustainable payout ratio.
DP98.91%
EPS Next 2Y2.91%
EPS Next 3YN/A
TSX:FC-DB-J (6/26/2025, 7:00:00 PM)
100.01
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.61%
Inst Owner ChangeN/A
Ins Owners2.2%
Ins Owner ChangeN/A
Market Cap3.67B
Analysts84
Price Target113.93 (13.92%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.66% |
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)-2.76%
PT rev (3m)-0.73%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.4%
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)1.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 101.02 | ||
| Fwd PE | 97.1 | ||
| P/S | 53.54 | ||
| 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)26.37
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 | 10.84 |
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