FIRM CAP MTG INV CORP (FC-DB-K.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:FC-DB-K - CA318323AM44
98.6 CAD
-1.4 (-1.4%)
FC-DB-K gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 28 industry peers in the Financial Services industry. FC-DB-K has an excellent profitability rating, but there are some minor concerns on its financial health. FC-DB-K does not seem to be growing, but still is valued expensively.
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.
FC-DB-K had positive earnings in each of the past 5 years.
FC-DB-K had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 6.32%, FC-DB-K belongs to the top of the industry, outperforming 89.29% of the companies in the same industry.
With a decent Return On Equity value of 8.87%, FC-DB-K is doing good in the industry, outperforming 64.29% of the companies in the same industry.
FC-DB-K has a better Return On Invested Capital (5.85%) than 64.29% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FC-DB-K is in line with the industry average of 5.58%.
The 3 year average ROIC (5.27%) for FC-DB-K 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
The Profit Margin of FC-DB-K (55.47%) is better than 85.71% of its industry peers.
FC-DB-K's Profit Margin has declined in the last couple of years.
FC-DB-K's Operating Margin of 70.96% is fine compared to the rest of the industry. FC-DB-K outperforms 78.57% of its industry peers.
In the last couple of years the Operating Margin of FC-DB-K has grown nicely.
FC-DB-K's Gross Margin of 73.45% is fine compared to the rest of the industry. FC-DB-K outperforms 78.57% of its industry peers.
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
FC-DB-K has more shares outstanding than it did 1 year ago.
FC-DB-K has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, FC-DB-K has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 13.03 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 13.03, FC-DB-K is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
The Debt to FCF ratio of FC-DB-K is 16.79, which is on the high side as it means it would take FC-DB-K, 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-K is in the better half of the industry, outperforming 64.29% of the companies in the same industry.
FC-DB-K has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
FC-DB-K's Debt to Equity ratio of 0.39 is fine compared to the rest of the industry. FC-DB-K outperforms 78.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 16.79 | ||
| Altman-Z | 13.03 |
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 89.29% 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.
With an excellent Quick ratio value of 2.51, FC-DB-K belongs to the best of the industry, outperforming 89.29% of the companies in the same industry.
| 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%.
Measured over the past years, FC-DB-K shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.04% on average per year.
Looking at the last year, FC-DB-K shows a decrease in Revenue. The Revenue has decreased by -6.64% in the last 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
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-K 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
With a Price/Earnings ratio of 96.67, FC-DB-K can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of FC-DB-K indicates a somewhat cheap valuation: FC-DB-K is cheaper than 60.71% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.47, FC-DB-K is valued quite expensively.
FC-DB-K is valuated quite expensively with a Price/Forward Earnings ratio of 93.39.
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 64.29% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of FC-DB-K to the average of the S&P500 Index (34.42), we can say FC-DB-K is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 96.67 | ||
| Fwd PE | 93.39 |
4.2 Price Multiples
FC-DB-K's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 366.32 | ||
| 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)16.36
PEG (5Y)N/A
EPS Next 2Y3.16%
EPS Next 3Y2.59%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.06%, FC-DB-K is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.89, FC-DB-K has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, FC-DB-K pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.06% |
5.2 History
The dividend of FC-DB-K decreases each year by -0.40%.
FC-DB-K 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
95.98% of the earnings are spent on dividend by FC-DB-K. This is not a sustainable payout ratio.
DP95.98%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
TSX:FC-DB-K (11/18/2025, 7:00:00 PM)
98.6
-1.4 (-1.4%)
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 Cap3.62B
Revenue(TTM)65.87M
Net Income(TTM)37.77M
Analysts84
Price Target112.56 (14.16%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.06% |
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)4.58%
PT rev (3m)-1.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 96.67 | ||
| Fwd PE | 93.39 | ||
| P/S | 53.2 | ||
| P/FCF | 366.32 | ||
| P/OCF | 366.32 | ||
| P/B | 8.5 | ||
| P/tB | 8.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.02
EY1.03%
EPS(NY)1.06
Fwd EY1.07%
FCF(TTM)0.27
FCFY0.27%
OCF(TTM)0.27
OCFY0.27%
SpS1.85
BVpS11.59
TBVpS11.6
PEG (NY)16.36
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 | 13.03 |
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 Y5.91%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.64%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.14%
Revenue Next Year-7.15%
Revenue Next 2Y-7.38%
Revenue Next 3Y-5.37%
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 FAQ
What does FC-DB-K 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-K.CA is 98.6 CAD. The price decreased by -1.4% in the last trading session.
How is the ChartMill rating for FIRM CAP MTG INV CORP?
FC-DB-K.CA has a ChartMill Technical rating of 1 out of 10 and a ChartMill Fundamental rating of 5 out of 10.
Which stock exchange lists FC-DB-K stock?
FC-DB-K.CA stock is listed on the Toronto Stock Exchange exchange.