FIRM CAP MTG INV CORP (FC-DB-K.CA) Fundamental Analysis & Valuation

TSX:FC-DB-K • CA318323AM44

Current stock price

99 CAD
-1 (-1%)
Last:

This FC-DB-K.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. FC-DB-K.CA Profitability Analysis

1.1 Basic Checks

  • In the past year FC-DB-K was profitable.
  • In the past year FC-DB-K had a positive cash flow from operations.
  • FC-DB-K had positive earnings in 4 of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: FC-DB-K reported negative operating cash flow in multiple years.
FC-DB-K.CA Yearly Net Income VS EBIT VS OCF VS FCFFC-DB-K.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M

1.2 Ratios

  • FC-DB-K has a Return On Assets of 6.32%. This is amongst the best in the industry. FC-DB-K outperforms 82.76% of its industry peers.
  • Looking at the Return On Equity, with a value of 8.87%, FC-DB-K is in the better half of the industry, outperforming 68.97% of the companies in the same industry.
  • FC-DB-K has a Return On Invested Capital (5.88%) which is in line with its industry peers.
  • FC-DB-K had an Average Return On Invested Capital over the past 3 years of 5.27%. This is below the industry average of 7.70%.
  • The 3 year average ROIC (5.27%) for FC-DB-K is below the current ROIC(5.88%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 6.32%
ROE 8.87%
ROIC 5.88%
ROA(3y)5.43%
ROA(5y)5.14%
ROE(3y)8.32%
ROE(5y)8.09%
ROIC(3y)5.27%
ROIC(5y)4.6%
FC-DB-K.CA Yearly ROA, ROE, ROICFC-DB-K.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • FC-DB-K's Profit Margin of 55.47% is fine compared to the rest of the industry. FC-DB-K outperforms 79.31% of its industry peers.
  • In the last couple of years the Profit Margin of FC-DB-K has declined.
  • FC-DB-K's Operating Margin of 70.96% is amongst the best of the industry. FC-DB-K outperforms 86.21% of its industry peers.
  • In the last couple of years the Operating Margin of FC-DB-K has grown nicely.
  • FC-DB-K has a Gross Margin of 73.45%. This is amongst the best in the industry. FC-DB-K outperforms 93.10% of its industry peers.
  • FC-DB-K's Gross Margin has improved in the last couple of years.
Industry RankSector 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%
FC-DB-K.CA Yearly Profit, Operating, Gross MarginsFC-DB-K.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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6

2. FC-DB-K.CA Health Analysis

2.1 Basic Checks

  • There is no outstanding debt for FC-DB-K. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
FC-DB-K.CA Yearly Shares OutstandingFC-DB-K.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
FC-DB-K.CA Yearly Total Debt VS Total AssetsFC-DB-K.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.2 Solvency

  • An Altman-Z score of 13.10 indicates that FC-DB-K is not in any danger for bankruptcy at the moment.
  • With an excellent Altman-Z score value of 13.10, FC-DB-K belongs to the best of the industry, outperforming 86.21% of the companies in the same industry.
  • FC-DB-K has a debt to FCF ratio of 16.80. This is a negative value and a sign of low solvency as FC-DB-K would need 16.80 years to pay back of all of its debts.
  • FC-DB-K has a Debt to FCF ratio of 16.80. This is in the better half of the industry: FC-DB-K outperforms 68.97% of its industry peers.
  • FC-DB-K has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of FC-DB-K (0.39) is better than 79.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 16.8
Altman-Z 13.1
ROIC/WACCN/A
WACCN/A
FC-DB-K.CA Yearly LT Debt VS Equity VS FCFFC-DB-K.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

2.3 Liquidity

  • FC-DB-K has a Current Ratio of 1.30. This is a normal value and indicates that FC-DB-K is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 1.30, FC-DB-K belongs to the top of the industry, outperforming 89.66% of the companies in the same industry.
  • FC-DB-K has a Quick Ratio of 1.30. This is a normal value and indicates that FC-DB-K is financially healthy and should not expect problems in meeting its short term obligations.
  • FC-DB-K has a better Quick ratio (1.30) than 89.66% of its industry peers.
Industry RankSector Rank
Current Ratio 1.3
Quick Ratio 1.3
FC-DB-K.CA Yearly Current Assets VS Current LiabilitesFC-DB-K.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. FC-DB-K.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 1.81% over the past year.
  • Measured over the past 5 years, FC-DB-K shows a small growth in Earnings Per Share. The EPS has been growing by 1.88% on average per year.
EPS 1Y (TTM)1.81%
EPS 3Y2.97%
EPS 5Y1.88%
EPS Q2Q%-5.65%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%5.73%

3.2 Future

  • The Earnings Per Share is expected to grow by 2.36% on average over the next years.
  • FC-DB-K is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -5.66% yearly.
EPS Next Y4.02%
EPS Next 2Y2.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-9.99%
Revenue Next 2Y-5.66%
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.
FC-DB-K.CA Yearly Revenue VS EstimatesFC-DB-K.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M
FC-DB-K.CA Yearly EPS VS EstimatesFC-DB-K.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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2

4. FC-DB-K.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 98.02, the valuation of FC-DB-K can be described as expensive.
  • FC-DB-K's Price/Earnings ratio is a bit cheaper when compared to the industry. FC-DB-K is cheaper than 62.07% of the companies in the same industry.
  • FC-DB-K's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 24.89.
  • The Price/Forward Earnings ratio is 94.23, which means the current valuation is very expensive for FC-DB-K.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FC-DB-K indicates a somewhat cheap valuation: FC-DB-K is cheaper than 62.07% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. FC-DB-K is valued rather expensively when compared to this.
Industry RankSector Rank
PE 98.02
Fwd PE 94.23
FC-DB-K.CA Price Earnings VS Forward Price EarningsFC-DB-K.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

  • FC-DB-K's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 367.8
EV/EBITDA N/A
FC-DB-K.CA Per share dataFC-DB-K.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FC-DB-K does not grow enough to justify the current Price/Earnings ratio.
  • The decent profitability rating of FC-DB-K may justify a higher PE ratio.
PEG (NY)24.38
PEG (5Y)52.02
EPS Next 2Y2.36%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. FC-DB-K.CA Dividend Analysis

5.1 Amount

  • FC-DB-K has a Yearly Dividend Yield of 7.93%, which is a nice return.
  • Compared to an average industry Dividend Yield of 5.48, FC-DB-K pays a bit more dividend than its industry peers.
  • FC-DB-K's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 7.93%

5.2 History

  • The dividend of FC-DB-K decreases each year by -0.40%.
  • FC-DB-K 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-K. This is not a sustainable payout ratio.
DP95.98%
EPS Next 2Y2.36%
EPS Next 3YN/A
FC-DB-K.CA Yearly Income VS Free CF VS DividendFC-DB-K.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M
FC-DB-K.CA Dividend Payout.FC-DB-K.CA Dividend Payout, showing the Payout Ratio.FC-DB-K.CA Dividend Payout.PayoutRetained Earnings

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FC-DB-K.CA Fundamentals: All Metrics, Ratios and Statistics

FIRM CAP MTG INV CORP

TSX:FC-DB-K (3/25/2026, 7:00:00 PM)

99

-1 (-1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-11
Earnings (Next)05-04
Inst Owners1.47%
Inst Owner ChangeN/A
Ins Owners2.2%
Ins Owner ChangeN/A
Market Cap3.64B
Revenue(TTM)N/A
Net Income(TTM)37.77M
Analysts84
Price Target110.14 (11.25%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.93%
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%
PT rev (3m)-2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 98.02
Fwd PE 94.23
P/S 53.42
P/FCF 367.8
P/OCF 367.8
P/B 8.54
P/tB 8.54
EV/EBITDA N/A
EPS(TTM)1.01
EY1.02%
EPS(NY)1.05
Fwd EY1.06%
FCF(TTM)0.27
FCFY0.27%
OCF(TTM)0.27
OCFY0.27%
SpS1.85
BVpS11.59
TBVpS11.59
PEG (NY)24.38
PEG (5Y)52.02
Graham Number16.23
Profitability
Industry RankSector Rank
ROA 6.32%
ROE 8.87%
ROCE 8.16%
ROIC 5.88%
ROICexc 5.88%
ROICexgc 5.88%
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 RankSector Rank
Debt/Equity 0.39
Debt/FCF 16.8
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 1.3
Quick Ratio 1.3
Altman-Z 13.1
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)1.81%
EPS 3Y2.97%
EPS 5Y1.88%
EPS Q2Q%-5.65%
EPS Next Y4.02%
EPS Next 2Y2.36%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%5.73%
Revenue Next Year-9.99%
Revenue Next 2Y-5.66%
Revenue Next 3YN/A
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-K.CA Fundamental Analysis FAQ

What is the fundamental rating for FC-DB-K stock?

ChartMill assigns a fundamental rating of 5 / 10 to FC-DB-K.CA.


What is the valuation status of FIRM CAP MTG INV CORP (FC-DB-K.CA) stock?

ChartMill assigns a valuation rating of 2 / 10 to FIRM CAP MTG INV CORP (FC-DB-K.CA). This can be considered as Overvalued.


Can you provide the profitability details for FIRM CAP MTG INV CORP?

FIRM CAP MTG INV CORP (FC-DB-K.CA) has a profitability rating of 7 / 10.


Can you provide the financial health for FC-DB-K stock?

The financial health rating of FIRM CAP MTG INV CORP (FC-DB-K.CA) is 6 / 10.


How sustainable is the dividend of FIRM CAP MTG INV CORP (FC-DB-K.CA) stock?

The dividend rating of FIRM CAP MTG INV CORP (FC-DB-K.CA) is 3 / 10 and the dividend payout ratio is 95.98%.