FIRM CAP MTG INV CORP (FC-DB-L.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:FC-DB-L - CA318323AN27
100 CAD
+0.38 (+0.38%)
We assign a fundamental rating of 5 out of 10 to FC-DB-L. FC-DB-L was compared to 28 industry peers in the Financial Services industry. FC-DB-L scores excellent points on both the profitability and health parts. This is a solid base for a good stock. FC-DB-L does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- FC-DB-L had positive earnings in the past year.
- In the past year FC-DB-L had a positive cash flow from operations.
- In the past 5 years FC-DB-L has always been profitable.
- FC-DB-L had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- FC-DB-L's Return On Assets of 6.32% is amongst the best of the industry. FC-DB-L outperforms 85.71% of its industry peers.
- Looking at the Return On Equity, with a value of 8.87%, FC-DB-L is in the better half of the industry, outperforming 64.29% of the companies in the same industry.
- FC-DB-L has a Return On Invested Capital of 5.85%. This is in the better half of the industry: FC-DB-L outperforms 67.86% 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 7.35%.
- The 3 year average ROIC (5.27%) for FC-DB-L 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-L (55.47%) is better than 78.57% 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 85.71% of the companies in the same industry.
- In the last couple of years the Operating Margin of FC-DB-L has grown nicely.
- The Gross Margin of FC-DB-L (73.45%) is better than 78.57% of its industry peers.
- In the last couple of years the Gross Margin of FC-DB-L has grown nicely.
| 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-L has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, FC-DB-L has more shares outstanding
- The debt/assets ratio for FC-DB-L is higher compared to a year ago.
2.2 Solvency
- An Altman-Z score of 13.21 indicates that FC-DB-L is not in any danger for bankruptcy at the moment.
- FC-DB-L's Altman-Z score of 13.21 is fine compared to the rest of the industry. FC-DB-L outperforms 78.57% of its industry peers.
- The Debt to FCF ratio of FC-DB-L is 16.79, which is on the high side as it means it would take FC-DB-L, 16.79 years of fcf income to pay off all of its debts.
- FC-DB-L has a Debt to FCF ratio of 16.79. This is in the better half of the industry: FC-DB-L outperforms 64.29% of its industry peers.
- A Debt/Equity ratio of 0.39 indicates that FC-DB-L is not too dependend on debt financing.
- FC-DB-L has a better Debt to Equity ratio (0.39) than 82.14% 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-L has no problem at all paying its short term obligations.
- Looking at the Current ratio, with a value of 2.51, FC-DB-L belongs to the top of the industry, outperforming 89.29% of the companies in the same industry.
- A Quick Ratio of 2.51 indicates that FC-DB-L has no problem at all paying its short term obligations.
- With an excellent Quick ratio value of 2.51, FC-DB-L 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
- The Earnings Per Share has been growing slightly by 3.96% over the past year.
- Measured over the past years, FC-DB-L shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.04% on average per year.
- FC-DB-L shows a decrease in Revenue. In the last year, the revenue decreased by -6.64%.
- 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
- FC-DB-L is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.18% yearly.
- Based on estimates for the next years, FC-DB-L 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
- 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
- Based on the Price/Earnings ratio of 98.04, the valuation of FC-DB-L can be described as expensive.
- FC-DB-L's Price/Earnings ratio is in line with the industry average.
- The average S&P500 Price/Earnings ratio is at 27.47. FC-DB-L is valued rather expensively when compared to this.
- A Price/Forward Earnings ratio of 95.18 indicates a quite expensive valuation of FC-DB-L.
- FC-DB-L's Price/Forward Earnings ratio is in line with the industry average.
- FC-DB-L's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 24.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.04 | ||
| Fwd PE | 95.18 |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as FC-DB-L.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 371.52 | ||
| 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.
- The decent profitability rating of FC-DB-L 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
- FC-DB-L has a Yearly Dividend Yield of 7.79%, which is a nice return.
- FC-DB-L's Dividend Yield is comparable with the industry average which is at 5.69.
- Compared to an average S&P500 Dividend Yield of 1.89, FC-DB-L pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.79% |
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
- 95.98% of the earnings are spent on dividend by FC-DB-L. This is not a sustainable payout ratio.
DP95.98%
EPS Next 2Y2.91%
EPS Next 3Y2.18%
TSX:FC-DB-L (1/16/2026, 7:00:00 PM)
100
+0.38 (+0.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)03-30 2026-03-30
Inst Owners1.58%
Inst Owner ChangeN/A
Ins Owners2.2%
Ins Owner ChangeN/A
Market Cap3.67B
Revenue(TTM)65.87M
Net Income(TTM)37.77M
Analysts84
Price Target111.27 (11.27%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.79% |
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)-3.51%
PT rev (3m)3.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 98.04 | ||
| Fwd PE | 95.18 | ||
| P/S | 53.96 | ||
| P/FCF | 371.52 | ||
| P/OCF | 371.52 | ||
| P/B | 8.62 | ||
| P/tB | 8.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.02
EY1.02%
EPS(NY)1.05
Fwd EY1.05%
FCF(TTM)0.27
FCFY0.27%
OCF(TTM)0.27
OCFY0.27%
SpS1.85
BVpS11.59
TBVpS11.6
PEG (NY)16.74
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 | 13.21 |
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 Y5.86%
EPS Next 2Y2.91%
EPS Next 3Y2.18%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.64%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.14%
Revenue Next Year-5.58%
Revenue Next 2Y-7.81%
Revenue Next 3Y-5.64%
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 FAQ
What does FIRM CAP MTG INV CORP 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.
What is the current price of FC-DB-L stock?
The current stock price of FC-DB-L.CA is 100 CAD. The price increased by 0.38% in the last trading session.
What is the ChartMill technical and fundamental rating of FC-DB-L stock?
FC-DB-L.CA has a ChartMill Technical rating of 4 out of 10 and a ChartMill Fundamental rating of 5 out of 10.
On which exchange is FC-DB-L.CA stock listed?
FC-DB-L.CA stock is listed on the Toronto Stock Exchange exchange.