FIRM CAP MTG INV CORP (FC-DB-K.CA) Stock Overview
Canada - TSX:FC-DB-K - CA318323AM44
100 CAD
+0.02 (+0.02%)
FC-DB-K gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 28 industry peers in the Financial Services industry. While FC-DB-K belongs to the best of the industry regarding profitability, there are concerns on its financial health. 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.
FC-DB-K had a positive operating cash flow in the past year.
Each year in the past 5 years FC-DB-K has been profitable.
FC-DB-K had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
FC-DB-K's Return On Assets of 5.98% is amongst the best of the industry. FC-DB-K outperforms 85.71% of its industry peers.
The Return On Equity of FC-DB-K (8.92%) is better than 60.71% of its industry peers.
FC-DB-K has a better Return On Invested Capital (5.58%) 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 5.33%.
The 3 year average ROIC (5.27%) for FC-DB-K is below the current ROIC(5.58%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.98% | ||
| ROE | 8.92% | ||
| ROIC | 5.58% |
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
Looking at the Profit Margin, with a value of 55.47%, FC-DB-K belongs to the top of the industry, outperforming 82.14% of the companies in the same industry.
FC-DB-K's Profit Margin has declined in the last couple of years.
FC-DB-K's Operating Margin of 70.97% 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 75.00% of its industry peers.
FC-DB-K's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 70.97% | ||
| 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.
Compared to 5 years ago, FC-DB-K has more shares outstanding
The debt/assets ratio for FC-DB-K is higher compared to a year ago.
2.2 Solvency
FC-DB-K has an Altman-Z score of 10.84. This indicates that FC-DB-K is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of FC-DB-K (10.84) is better than 78.57% of its industry peers.
The Debt to FCF ratio of FC-DB-K is 19.43, which is on the high side as it means it would take FC-DB-K, 19.43 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FC-DB-K (19.43) is better than 60.71% of its industry peers.
A Debt/Equity ratio of 0.47 indicates that FC-DB-K is not too dependend on debt financing.
The Debt to Equity ratio of FC-DB-K (0.47) is better than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 19.43 | ||
| Altman-Z | 10.84 |
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.
Looking at the Current ratio, with a value of 0.11, FC-DB-K is doing worse than 64.29% of the companies in the same industry.
FC-DB-K has a Quick Ratio of 0.11. This is a bad value and indicates that FC-DB-K is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.11, FC-DB-K is not doing good in the industry: 64.29% of the companies in the same industry are doing better.
| 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 4.47% over the past year.
FC-DB-K shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.04% yearly.
Looking at the last year, FC-DB-K shows a decrease in Revenue. The Revenue has decreased by -0.92% in the last 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)4.47%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%6.07%
Revenue 1Y (TTM)-0.92%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.66%
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
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 97.09 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.
FC-DB-K is valuated expensively when we compare the Price/Earnings ratio to 27.70, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 94.72, FC-DB-K can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FC-DB-K is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 23.15. FC-DB-K is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.09 | ||
| Fwd PE | 94.72 |
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 | 357.19 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
FC-DB-K has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)16.44
PEG (5Y)N/A
EPS Next 2Y3.16%
EPS Next 3Y2.59%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.67%, FC-DB-K is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.68, 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 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.67% |
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
95.55% of the earnings are spent on dividend by FC-DB-K. This is not a sustainable payout ratio.
DP95.55%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
TSX:FC-DB-K (10/8/2025, 7:00:00 PM)
100
+0.02 (+0.02%)
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 Cap3.67B
Analysts84
Price Target107.64 (7.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.67% |
Yearly Dividend0.98
Dividend Growth(5Y)-0.4%
DP95.55%
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)-5.81%
PT rev (3m)-3.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.49%
EPS NY rev (3m)2%
Revenue NQ rev (1m)2.73%
Revenue NQ rev (3m)2.73%
Revenue NY rev (1m)2.11%
Revenue NY rev (3m)3.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.09 | ||
| Fwd PE | 94.72 | ||
| P/S | 53.96 | ||
| P/FCF | 357.19 | ||
| P/OCF | 357.19 | ||
| P/B | 8.68 | ||
| P/tB | 8.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY1.03%
EPS(NY)1.06
Fwd EY1.06%
FCF(TTM)0.28
FCFY0.28%
OCF(TTM)0.28
OCFY0.28%
SpS1.85
BVpS11.52
TBVpS11.52
PEG (NY)16.44
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.98% | ||
| ROE | 8.92% | ||
| ROCE | 8.68% | ||
| ROIC | 5.58% | ||
| ROICexc | 5.58% | ||
| ROICexgc | 5.58% | ||
| OM | 70.97% | ||
| PM (TTM) | 55.47% | ||
| GM | 73.45% | ||
| FCFM | 15.11% |
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-Score5
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 19.43 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 4.06 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 27.23% | ||
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 | ||
| Altman-Z | 10.84 |
F-Score5
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)4.47%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%6.07%
EPS Next Y5.91%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.92%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.66%
Revenue Next Year-7.15%
Revenue Next 2Y-7.38%
Revenue Next 3Y-5.37%
Revenue Next 5YN/A
EBIT growth 1Y1.37%
EBIT growth 3Y15.28%
EBIT growth 5Y10.11%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-82.99%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-82.99%
OCF growth 3YN/A
OCF growth 5YN/A