FIRM CAPITAL MORTGAGE INVEST (FC.CA) Fundamental Analysis & Valuation

TSX:FC • CA3183231024

Current stock price

11.82 CAD
+0.08 (+0.68%)
Last:

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

7

1. FC.CA Profitability Analysis

1.1 Basic Checks

  • FC had positive earnings in the past year.
  • FC had a positive operating cash flow in the past year.
  • Of the past 5 years FC 4 years were profitable.
  • The reported operating cash flow has been mixed in the past 5 years: FC reported negative operating cash flow in multiple years.
FC.CA Yearly Net Income VS EBIT VS OCF VS FCFFC.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

  • Looking at the Return On Assets, with a value of 6.32%, FC belongs to the top of the industry, outperforming 86.67% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 8.87%, FC is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
  • FC's Return On Invested Capital of 5.88% is in line compared to the rest of the industry. FC outperforms 56.67% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for FC is below the industry average of 7.42%.
  • The last Return On Invested Capital (5.88%) for FC is above the 3 year average (5.27%), which is a sign of increasing profitability.
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.CA Yearly ROA, ROE, ROICFC.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 has a better Profit Margin (55.47%) than 83.33% of its industry peers.
  • FC's Profit Margin has declined in the last couple of years.
  • FC has a better Operating Margin (70.96%) than 90.00% of its industry peers.
  • In the last couple of years the Operating Margin of FC has grown nicely.
  • With an excellent Gross Margin value of 73.45%, FC belongs to the best of the industry, outperforming 96.67% of the companies in the same industry.
  • In the last couple of years the Gross Margin of FC has grown nicely.
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.CA Yearly Profit, Operating, Gross MarginsFC.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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5

2. FC.CA Health Analysis

2.1 Basic Checks

  • There is no outstanding debt for FC. 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.CA Yearly Shares OutstandingFC.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
FC.CA Yearly Total Debt VS Total AssetsFC.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 has an Altman-Z score of 1.91. This is not the best score and indicates that FC is in the grey zone with still only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 1.91, FC is in line with its industry, outperforming 53.33% of the companies in the same industry.
  • The Debt to FCF ratio of FC is 16.80, which is on the high side as it means it would take FC, 16.80 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 16.80, FC is in the better half of the industry, outperforming 73.33% of the companies in the same industry.
  • A Debt/Equity ratio of 0.39 indicates that FC is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.39, FC belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 16.8
Altman-Z 1.91
ROIC/WACCN/A
WACCN/A
FC.CA Yearly LT Debt VS Equity VS FCFFC.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

  • A Current Ratio of 1.30 indicates that FC should not have too much problems paying its short term obligations.
  • FC has a Current ratio of 1.30. This is amongst the best in the industry. FC outperforms 93.33% of its industry peers.
  • FC has a Quick Ratio of 1.30. This is a normal value and indicates that FC is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 1.30, FC belongs to the top of the industry, outperforming 93.33% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.3
Quick Ratio 1.3
FC.CA Yearly Current Assets VS Current LiabilitesFC.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.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 1.81% over the past year.
  • FC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.88% yearly.
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

  • The Earnings Per Share is expected to grow by 2.36% on average over the next years.
  • Based on estimates for the next years, FC will show a decrease in Revenue. The Revenue will decrease by -5.66% on average per year.
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

  • 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.
FC.CA Yearly Revenue VS EstimatesFC.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.CA Yearly EPS VS EstimatesFC.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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6

4. FC.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.70, the valuation of FC can be described as reasonable.
  • Based on the Price/Earnings ratio, FC is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 25.61. FC is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 11.25, the valuation of FC can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FC indicates a somewhat cheap valuation: FC is cheaper than 73.33% of the companies listed in the same industry.
  • FC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.79.
Industry RankSector Rank
PE 11.7
Fwd PE 11.25
FC.CA Price Earnings VS Forward Price EarningsFC.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FC indicates a somewhat cheap valuation: FC is cheaper than 63.33% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 43.91
EV/EBITDA N/A
FC.CA Per share dataFC.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 has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)2.91
PEG (5Y)6.21
EPS Next 2Y2.36%
EPS Next 3YN/A

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4

5. FC.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 8.03%, FC is a good candidate for dividend investing.
  • FC's Dividend Yield is comparable with the industry average which is at 5.62.
  • Compared to an average S&P500 Dividend Yield of 1.89, FC pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.03%

5.2 History

  • The dividend of FC decreases each year by -0.40%.
  • FC has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of FC decreased in the last 3 years.
Dividend Growth(5Y)-0.4%
Div Incr Years2
Div Non Decr Years2
FC.CA Yearly Dividends per shareFC.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • FC 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.CA Yearly Income VS Free CF VS DividendFC.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.CA Dividend Payout.FC.CA Dividend Payout, showing the Payout Ratio.FC.CA Dividend Payout.PayoutRetained Earnings

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FC.CA Fundamentals: All Metrics, Ratios and Statistics

FIRM CAPITAL MORTGAGE INVEST

TSX:FC (3/25/2026, 7:00:00 PM)

11.82

+0.08 (+0.68%)

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 Cap434.27M
Revenue(TTM)N/A
Net Income(TTM)37.77M
Analysts84
Price Target13.26 (12.18%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.03%
Yearly Dividend0.98
Dividend Growth(5Y)-0.4%
DP95.98%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-31
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)0%
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 11.7
Fwd PE 11.25
P/S 6.38
P/FCF 43.91
P/OCF 43.91
P/B 1.02
P/tB 1.02
EV/EBITDA N/A
EPS(TTM)1.01
EY8.54%
EPS(NY)1.05
Fwd EY8.89%
FCF(TTM)0.27
FCFY2.28%
OCF(TTM)0.27
OCFY2.28%
SpS1.85
BVpS11.59
TBVpS11.59
PEG (NY)2.91
PEG (5Y)6.21
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 1.91
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 CAPITAL MORTGAGE INVEST / FC.CA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FIRM CAPITAL MORTGAGE INVEST (FC.CA) stock?

ChartMill assigns a fundamental rating of 5 / 10 to FC.CA.


Can you provide the valuation status for FIRM CAPITAL MORTGAGE INVEST?

ChartMill assigns a valuation rating of 6 / 10 to FIRM CAPITAL MORTGAGE INVEST (FC.CA). This can be considered as Fairly Valued.


How profitable is FIRM CAPITAL MORTGAGE INVEST (FC.CA) stock?

FIRM CAPITAL MORTGAGE INVEST (FC.CA) has a profitability rating of 7 / 10.


Can you provide the financial health for FC stock?

The financial health rating of FIRM CAPITAL MORTGAGE INVEST (FC.CA) is 5 / 10.


Can you provide the dividend sustainability for FC stock?

The dividend rating of FIRM CAPITAL MORTGAGE INVEST (FC.CA) is 4 / 10 and the dividend payout ratio is 95.98%.