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

TSX:FC-DB-L • CA318323AN27

Current stock price

99.15 CAD
0 (0%)
Last:

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

6

1. FC-DB-L.CA Profitability Analysis

1.1 Basic Checks

  • In the past year FC-DB-L was profitable.
  • In the past year FC-DB-L had a positive cash flow from operations.
  • Of the past 5 years FC-DB-L 4 years were profitable.
  • In multiple years FC-DB-L reported negative operating cash flow during the last 5 years.
FC-DB-L.CA Yearly Net Income VS EBIT VS OCF VS FCFFC-DB-L.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-L has a Return On Assets of 6.32%. This is in the better half of the industry: FC-DB-L outperforms 79.31% of its industry peers.
  • FC-DB-L has a better Return On Equity (8.87%) than 65.52% of its industry peers.
  • FC-DB-L has a Return On Invested Capital of 5.88%. This is comparable to the rest of the industry: FC-DB-L outperforms 48.28% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for FC-DB-L is below the industry average of 7.70%.
  • The 3 year average ROIC (5.27%) for FC-DB-L 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-L.CA Yearly ROA, ROE, ROICFC-DB-L.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-L has a better Profit Margin (55.47%) than 75.86% of its industry peers.
  • FC-DB-L's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 70.96%, FC-DB-L belongs to the top of the industry, outperforming 82.76% of the companies in the same industry.
  • In the last couple of years the Operating Margin of FC-DB-L has grown nicely.
  • FC-DB-L has a Gross Margin of 73.45%. This is amongst the best in the industry. FC-DB-L outperforms 89.66% of its industry peers.
  • FC-DB-L'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-L.CA Yearly Profit, Operating, Gross MarginsFC-DB-L.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-L.CA Health Analysis

2.1 Basic Checks

  • There is no outstanding debt for FC-DB-L. 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-L.CA Yearly Shares OutstandingFC-DB-L.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
FC-DB-L.CA Yearly Total Debt VS Total AssetsFC-DB-L.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

  • FC-DB-L has an Altman-Z score of 13.12. This indicates that FC-DB-L is financially healthy and has little risk of bankruptcy at the moment.
  • The Altman-Z score of FC-DB-L (13.12) is better than 89.66% of its industry peers.
  • FC-DB-L has a debt to FCF ratio of 16.80. This is a negative value and a sign of low solvency as FC-DB-L would need 16.80 years to pay back of all of its debts.
  • FC-DB-L has a Debt to FCF ratio of 16.80. This is in the better half of the industry: FC-DB-L outperforms 65.52% of its industry peers.
  • A Debt/Equity ratio of 0.39 indicates that FC-DB-L is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.39, FC-DB-L is in the better half of the industry, outperforming 75.86% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 16.8
Altman-Z 13.12
ROIC/WACCN/A
WACCN/A
FC-DB-L.CA Yearly LT Debt VS Equity VS FCFFC-DB-L.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-L has a Current Ratio of 1.30. This is a normal value and indicates that FC-DB-L is financially healthy and should not expect problems in meeting its short term obligations.
  • FC-DB-L's Current ratio of 1.30 is amongst the best of the industry. FC-DB-L outperforms 86.21% of its industry peers.
  • A Quick Ratio of 1.30 indicates that FC-DB-L should not have too much problems paying its short term obligations.
  • The Quick ratio of FC-DB-L (1.30) is better than 86.21% of its industry peers.
Industry RankSector Rank
Current Ratio 1.3
Quick Ratio 1.3
FC-DB-L.CA Yearly Current Assets VS Current LiabilitesFC-DB-L.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-L.CA Growth Analysis

3.1 Past

  • FC-DB-L shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.81%.
  • The Earnings Per Share has been growing slightly by 1.88% on average over the past years.
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

  • Based on estimates for the next years, FC-DB-L will show a small growth in Earnings Per Share. The EPS will grow by 2.36% on average per year.
  • The Revenue is expected to decrease by -5.66% on average over the next years.
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-L.CA Yearly Revenue VS EstimatesFC-DB-L.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-L.CA Yearly EPS VS EstimatesFC-DB-L.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-L.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • FC-DB-L is valuated quite expensively with a Price/Earnings ratio of 98.17.
  • FC-DB-L's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of FC-DB-L to the average of the S&P500 Index (24.89), we can say FC-DB-L is valued expensively.
  • FC-DB-L is valuated quite expensively with a Price/Forward Earnings ratio of 94.37.
  • The rest of the industry has a similar Price/Forward Earnings ratio as FC-DB-L.
  • When comparing the Price/Forward Earnings ratio of FC-DB-L to the average of the S&P500 Index (22.19), we can say FC-DB-L is valued expensively.
Industry RankSector Rank
PE 98.17
Fwd PE 94.37
FC-DB-L.CA Price Earnings VS Forward Price EarningsFC-DB-L.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-L's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 368.36
EV/EBITDA N/A
FC-DB-L.CA Per share dataFC-DB-L.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 an expensive valuation of the company.
  • FC-DB-L has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)24.42
PEG (5Y)52.1
EPS Next 2Y2.36%
EPS Next 3YN/A

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3

5. FC-DB-L.CA Dividend Analysis

5.1 Amount

  • FC-DB-L has a Yearly Dividend Yield of 7.93%, which is a nice return.
  • FC-DB-L's Dividend Yield is a higher than the industry average which is at 5.48.
  • Compared to an average S&P500 Dividend Yield of 1.89, FC-DB-L pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.93%

5.2 History

  • The dividend of FC-DB-L decreases each year by -0.40%.
  • FC-DB-L 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-L pays out 95.98% of its income as dividend. This is not a sustainable payout ratio.
DP95.98%
EPS Next 2Y2.36%
EPS Next 3YN/A
FC-DB-L.CA Yearly Income VS Free CF VS DividendFC-DB-L.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-L.CA Dividend Payout.FC-DB-L.CA Dividend Payout, showing the Payout Ratio.FC-DB-L.CA Dividend Payout.PayoutRetained Earnings

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

FIRM CAP MTG INV CORP

TSX:FC-DB-L (3/27/2026, 7:00:00 PM)

99.15

0 (0%)

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 Target107.91 (8.84%)
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)-3.03%
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 98.17
Fwd PE 94.37
P/S 53.5
P/FCF 368.36
P/OCF 368.36
P/B 8.55
P/tB 8.55
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)24.42
PEG (5Y)52.1
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 13.12
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-L.CA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FIRM CAP MTG INV CORP (FC-DB-L.CA) stock?

ChartMill assigns a fundamental rating of 4 / 10 to FC-DB-L.CA.


What is the valuation status for FC-DB-L stock?

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


What is the profitability of FC-DB-L stock?

FIRM CAP MTG INV CORP (FC-DB-L.CA) has a profitability rating of 6 / 10.


How financially healthy is FIRM CAP MTG INV CORP?

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


What is the expected EPS growth for FIRM CAP MTG INV CORP (FC-DB-L.CA) stock?

The Earnings per Share (EPS) of FIRM CAP MTG INV CORP (FC-DB-L.CA) is expected to grow by 4.02% in the next year.