FIRM CAP MTG INV CORP (FC-DB-K.CA) Stock Price, Quote, News and Overview
TSX:FC-DB-K - Toronto Stock Exchange - CA318323AM44 - Currency: CAD
Overall FC-DB-K gets a fundamental rating of 3 out of 10. We evaluated FC-DB-K against 29 industry peers in the Financial Services industry. FC-DB-K has a medium profitability rating, but doesn't score so well on its financial health evaluation. FC-DB-K has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
FC-DB-K had positive earnings in the past year.
FC-DB-K had a negative operating cash flow in the past year.
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
Looking at the Return On Assets, with a value of 5.58%, 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 Equity (8.32%) which is in line with its industry peers.
The Return On Invested Capital of FC-DB-K (5.56%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for FC-DB-K is in line with the industry average of 5.71%.
The last Return On Invested Capital (5.56%) for FC-DB-K is above the 3 year average (5.27%), which is a sign of increasing profitability.
| 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
With an excellent Profit Margin value of 51.33%, FC-DB-K belongs to the best of the industry, outperforming 82.76% of the companies in the same industry.
In the last couple of years the Profit Margin of FC-DB-K has declined.
FC-DB-K has a better Operating Margin (70.17%) than 68.97% of its industry peers.
FC-DB-K's Operating Margin has improved in the last couple of years.
FC-DB-K has a better Gross Margin (72.66%) than 75.86% of its industry peers.
FC-DB-K's Gross Margin has improved in the last couple of years.
| 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-K has more shares outstanding
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
FC-DB-K has an Altman-Z score of 10.63. This indicates that FC-DB-K is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 10.63, FC-DB-K belongs to the top of the industry, outperforming 82.76% of the companies in the same industry.
A Debt/Equity ratio of 0.47 indicates that FC-DB-K is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.47, FC-DB-K is doing good in the industry, outperforming 75.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 10.63 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.11 indicates that FC-DB-K may have some problems paying its short term obligations.
FC-DB-K has a Current ratio (0.11) which is comparable to the rest of the industry.
A Quick Ratio of 0.11 indicates that FC-DB-K may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.11, FC-DB-K is in line with its industry, outperforming 51.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 |
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 0.61%.
FC-DB-K shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.04% yearly.
FC-DB-K 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
FC-DB-K is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.91% yearly.
The Revenue is expected to decrease by -8.26% on average over the next years.
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
With a Price/Earnings ratio of 98.98, 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 is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.41, FC-DB-K is valued quite expensively.
With a Price/Forward Earnings ratio of 95.14, FC-DB-K can be considered very expensive at the moment.
The rest of the industry has a similar Price/Forward Earnings ratio as FC-DB-K.
FC-DB-K's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 35.19.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.98 | ||
| Fwd PE | 95.14 |
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-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)25.84
PEG (5Y)N/A
EPS Next 2Y2.91%
EPS Next 3YN/A
5. Dividend
5.1 Amount
FC-DB-K has a Yearly Dividend Yield of 7.63%, which is a nice return.
FC-DB-K's Dividend Yield is comparable with the industry average which is at 7.27.
Compared to an average S&P500 Dividend Yield of 2.35, FC-DB-K pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.63% |
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
98.91% of the earnings are spent on dividend by FC-DB-K. This is not a sustainable payout ratio.
DP98.91%
EPS Next 2Y2.91%
EPS Next 3YN/A
TSX:FC-DB-K (7/10/2025, 7:00:00 PM)
97.99
-1.51 (-1.52%)
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 Cap3.60B
Analysts84
Price Target111.05 (13.33%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.63% |
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)-0.86%
PT rev (3m)-3.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
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 | 98.98 | ||
| Fwd PE | 95.14 | ||
| P/S | 52.46 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 8.5 | ||
| P/tB | 8.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.99
EY1.01%
EPS(NY)1.03
Fwd EY1.05%
FCF(TTM)-0.37
FCFYN/A
OCF(TTM)-0.37
OCFYN/A
SpS1.87
BVpS11.52
TBVpS11.52
PEG (NY)25.84
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 | 10.63 |
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