FIRM CAP MTG INV CORP (FC-DB-K.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:FC-DB-K • CA318323AM44
99.99 CAD
+0.49 (+0.49%)
Last: Jan 29, 2026, 07:00 PM
Taking everything into account, FC-DB-K scores 5 out of 10 in our fundamental rating. FC-DB-K was compared to 28 industry peers in the Financial Services industry. FC-DB-K has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. FC-DB-K is valued expensive and it does not seem to be growing.
1. Profitability
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.
- In the past 5 years FC-DB-K has always been profitable.
- FC-DB-K had a positive operating cash flow in 4 of the past 5 years.
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 82.14% 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 60.71% of the companies in the same industry.
- With a decent Return On Invested Capital value of 5.85%, FC-DB-K is doing good in the industry, outperforming 60.71% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for FC-DB-K is below the industry average of 7.80%.
- The last Return On Invested Capital (5.85%) for FC-DB-K is above the 3 year average (5.27%), which is a sign of increasing profitability.
| 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
- The Profit Margin of FC-DB-K (55.47%) is better than 75.00% 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 82.14% of its industry peers.
- In the last couple of years the Operating Margin of FC-DB-K has grown nicely.
- Looking at the Gross Margin, with a value of 73.45%, FC-DB-K is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
- FC-DB-K'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-K has more shares outstanding
- The number of shares outstanding for FC-DB-K has been increased compared to 5 years ago.
- The debt/assets ratio for FC-DB-K is higher compared to a year ago.
2.2 Solvency
- An Altman-Z score of 13.21 indicates that FC-DB-K is not in any danger for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 13.21, FC-DB-K belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
- FC-DB-K has a debt to FCF ratio of 16.79. This is a negative value and a sign of low solvency as FC-DB-K would need 16.79 years to pay back of all of its debts.
- FC-DB-K's Debt to FCF ratio of 16.79 is fine compared to the rest of the industry. FC-DB-K outperforms 60.71% 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 75.00% of its industry peers.
| 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-K has no problem at all paying its short term obligations.
- Looking at the Current ratio, with a value of 2.51, FC-DB-K belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
- FC-DB-K has a Quick Ratio of 2.51. This indicates that FC-DB-K is financially healthy and has no problem in meeting its short term obligations.
- FC-DB-K's Quick ratio of 2.51 is amongst the best of the industry. FC-DB-K outperforms 85.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.51 | ||
| Quick Ratio | 2.51 |
3. Growth
3.1 Past
- FC-DB-K shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.96%.
- The Earnings Per Share has been decreasing by -0.04% on average over the past years.
- The Revenue has decreased by -6.64% in the past year.
- Measured over the past years, FC-DB-K shows a small growth in Revenue. The Revenue has been growing by 7.71% on average per year.
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
- The Earnings Per Share is expected to grow by 2.18% on average over the next years.
- Based on estimates for the next years, FC-DB-K 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
- A Price/Earnings ratio of 98.03 indicates a quite expensive valuation of FC-DB-K.
- Compared to the rest of the industry, the Price/Earnings ratio of FC-DB-K is on the same level as its industry peers.
- When comparing the Price/Earnings ratio of FC-DB-K to the average of the S&P500 Index (28.30), we can say FC-DB-K is valued expensively.
- A Price/Forward Earnings ratio of 95.17 indicates a quite expensive valuation of FC-DB-K.
- FC-DB-K's Price/Forward Earnings is on the same level as the industry average.
- FC-DB-K's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.03 | ||
| Fwd PE | 95.17 |
4.2 Price Multiples
- FC-DB-K's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 371.48 | ||
| EV/EBITDA | N/A |
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.
- FC-DB-K 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-K is a good candidate for dividend investing.
- FC-DB-K's Dividend Yield is a higher than the industry average which is at 5.64.
- FC-DB-K's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.72% |
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
- FC-DB-K pays out 95.98% of its income as dividend. This is not a sustainable payout ratio.
DP95.98%
EPS Next 2Y2.91%
EPS Next 3Y2.18%
FIRM CAP MTG INV CORP / FC-DB-K.CA 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 7 / 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%.