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

TSX:FC • CA3183231024

Current stock price

12.14 CAD
+0.04 (+0.33%)
Last:

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

8

1. FC.CA Profitability Analysis

1.1 Basic Checks

  • In the past year FC was profitable.
  • In the past year FC had a positive cash flow from operations.
  • FC had positive earnings in each of the past 5 years.
  • Of the past 5 years FC 4 years had a positive operating cash flow.
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 2025 0 20M 40M 60M 80M

1.2 Ratios

  • With an excellent Return On Assets value of 6.30%, FC belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 8.81%, 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 5.87% is in line compared to the rest of the industry. FC outperforms 56.67% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for FC is below the industry average of 8.08%.
  • The last Return On Invested Capital (5.87%) for FC is above the 3 year average (5.85%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 6.3%
ROE 8.81%
ROIC 5.87%
ROA(3y)5.89%
ROA(5y)5.45%
ROE(3y)8.56%
ROE(5y)8.32%
ROIC(3y)5.85%
ROIC(5y)5.05%
FC.CA Yearly ROA, ROE, ROICFC.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • The Profit Margin of FC (56.16%) is better than 83.33% of its industry peers.
  • In the last couple of years the Profit Margin of FC has remained more or less at the same level.
  • The Operating Margin of FC (71.58%) is better than 90.00% of its industry peers.
  • FC's Operating Margin has improved in the last couple of years.
  • FC's Gross Margin of 74.30% is amongst the best of the industry. FC outperforms 96.67% of its industry peers.
  • FC's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 71.58%
PM (TTM) 56.16%
GM 74.3%
OM growth 3Y4.89%
OM growth 5Y2.65%
PM growth 3Y1.56%
PM growth 5Y-1.2%
GM growth 3Y3.27%
GM growth 5Y1.9%
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 2025 20 40 60

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8

2. FC.CA Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for FC remains at a similar level compared to 1 year ago.
  • FC has more shares outstanding than it did 5 years ago.
  • FC has a better debt/assets ratio than last year.
FC.CA Yearly Shares OutstandingFC.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200M 400M 600M

2.2 Solvency

  • An Altman-Z score of 1.98 indicates that FC is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 1.98, FC is in line with its industry, outperforming 53.33% of the companies in the same industry.
  • FC has a debt to FCF ratio of 1.79. This is a very positive value and a sign of high solvency as it would only need 1.79 years to pay back of all of its debts.
  • FC has a Debt to FCF ratio of 1.79. This is amongst the best in the industry. FC outperforms 86.67% of its industry peers.
  • A Debt/Equity ratio of 0.38 indicates that FC is not too dependend on debt financing.
  • The Debt to Equity ratio of FC (0.38) is better than 83.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 1.79
Altman-Z 1.98
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 2025 0 100M 200M 300M 400M

2.3 Liquidity

  • FC has a Current Ratio of 2.45. This indicates that FC is financially healthy and has no problem in meeting its short term obligations.
  • FC has a Current ratio of 2.45. This is amongst the best in the industry. FC outperforms 93.33% of its industry peers.
  • FC has a Quick Ratio of 2.45. This indicates that FC is financially healthy and has no problem in meeting its short term obligations.
  • FC has a better Quick ratio (2.45) than 93.33% of its industry peers.
Industry RankSector Rank
Current Ratio 2.45
Quick Ratio 2.45
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 2025 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. FC.CA Growth Analysis

3.1 Past

  • FC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.81%.
  • FC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.88% yearly.
  • Looking at the last year, FC shows a decrease in Revenue. The Revenue has decreased by -2.78% in the last year.
  • The Revenue has been growing by 8.59% on average over the past years. This is quite good.
EPS 1Y (TTM)1.81%
EPS 3Y2.97%
EPS 5Y1.88%
EPS Q2Q%-5.65%
Revenue 1Y (TTM)-2.78%
Revenue growth 3Y3.53%
Revenue growth 5Y8.59%
Sales Q2Q%5.73%

3.2 Future

  • Based on estimates for the next years, FC will show a small growth in Earnings Per Share. The EPS will grow by 2.21% on average per year.
  • Based on estimates for the next years, FC will show a decrease in Revenue. The Revenue will decrease by -6.58% on average per year.
EPS Next Y2.8%
EPS Next 2Y2.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-12.65%
Revenue Next 2Y-6.58%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same 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.
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

  • With a Price/Earnings ratio of 12.02, FC is valued correctly.
  • Based on the Price/Earnings ratio, FC is valued a bit cheaper than 80.00% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FC to the average of the S&P500 Index (26.86), we can say FC is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 11.69, the valuation of FC can be described as very reasonable.
  • 73.33% of the companies in the same industry are more expensive than FC, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 37.39, FC is valued rather cheaply.
Industry RankSector Rank
PE 12.02
Fwd PE 11.69
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 80 100

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, FC is valued cheaply inside the industry as 90.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.96
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.
  • The excellent profitability rating of FC may justify a higher PE ratio.
PEG (NY)4.3
PEG (5Y)6.38
EPS Next 2Y2.21%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. FC.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.74%, FC is a good candidate for dividend investing.
  • FC's Dividend Yield is comparable with the industry average which is at 5.48.
  • FC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 7.74%

5.2 History

  • The dividend of FC has a limited annual growth rate of 0.24%.
  • FC has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0.24%
Div Incr Years0
Div Non Decr Years0
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 97.25% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of FC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP97.25%
EPS Next 2Y2.21%
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 2025 0 20M 40M 60M 80M
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 (4/10/2026, 7:00:00 PM)

12.14

+0.04 (+0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-11
Earnings (Next)05-04
Inst Owners1.44%
Inst Owner ChangeN/A
Ins Owners2.2%
Ins Owner ChangeN/A
Market Cap446.02M
Revenue(TTM)66.72M
Net Income(TTM)37.47M
Analysts84
Price Target13.01 (7.17%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.74%
Yearly Dividend0.99
Dividend Growth(5Y)0.24%
DP97.25%
Div Incr Years0
Div Non Decr Years0
Ex-Date06-30
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.63%
Min EPS beat(2)-4.74%
Max EPS beat(2)-2.52%
EPS beat(4)2
Avg EPS beat(4)0.06%
Min EPS beat(4)-4.74%
Max EPS beat(4)3.82%
EPS beat(8)2
Avg EPS beat(8)-2.5%
EPS beat(12)3
Avg EPS beat(12)-2.75%
EPS beat(16)3
Avg EPS beat(16)-4.2%
Revenue beat(2)2
Avg Revenue beat(2)7.54%
Min Revenue beat(2)5.21%
Max Revenue beat(2)9.87%
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)-1.92%
PT rev (3m)-1.92%
EPS NQ rev (1m)-3.92%
EPS NQ rev (3m)-3.92%
EPS NY rev (1m)-1.18%
EPS NY rev (3m)-1.18%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.96%
Revenue NY rev (3m)-2.96%
Valuation
Industry RankSector Rank
PE 12.02
Fwd PE 11.69
P/S 6.68
P/FCF 4.96
P/OCF 4.96
P/B 1.05
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)1.01
EY8.32%
EPS(NY)1.04
Fwd EY8.55%
FCF(TTM)2.45
FCFY20.16%
OCF(TTM)2.45
OCFY20.16%
SpS1.82
BVpS11.57
TBVpS11.57
PEG (NY)4.3
PEG (5Y)6.38
Graham Number16.22
Profitability
Industry RankSector Rank
ROA 6.3%
ROE 8.81%
ROCE 8.15%
ROIC 5.87%
ROICexc 6.01%
ROICexgc 6.01%
OM 71.58%
PM (TTM) 56.16%
GM 74.3%
FCFM 134.79%
ROA(3y)5.89%
ROA(5y)5.45%
ROE(3y)8.56%
ROE(5y)8.32%
ROIC(3y)5.85%
ROIC(5y)5.05%
ROICexc(3y)5.94%
ROICexc(5y)5.1%
ROICexgc(3y)5.94%
ROICexgc(5y)5.1%
ROCE(3y)8.56%
ROCE(5y)7.55%
ROICexgc growth 3Y13.36%
ROICexgc growth 5Y10.76%
ROICexc growth 3Y13.36%
ROICexc growth 5Y10.76%
OM growth 3Y4.89%
OM growth 5Y2.65%
PM growth 3Y1.56%
PM growth 5Y-1.2%
GM growth 3Y3.27%
GM growth 5Y1.9%
F-Score7
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 1.79
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 4.49
Cash Conversion N/A
Profit Quality 240.01%
Current Ratio 2.45
Quick Ratio 2.45
Altman-Z 1.98
F-Score7
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 Y2.8%
EPS Next 2Y2.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.78%
Revenue growth 3Y3.53%
Revenue growth 5Y8.59%
Sales Q2Q%5.73%
Revenue Next Year-12.65%
Revenue Next 2Y-6.58%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-0.81%
EBIT growth 3Y8.59%
EBIT growth 5Y11.47%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y753.45%
FCF growth 3Y20.14%
FCF growth 5Y18.93%
OCF growth 1Y753.45%
OCF growth 3Y20.14%
OCF growth 5Y18.93%

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 6 / 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.


Can you provide the profitability details for FIRM CAPITAL MORTGAGE INVEST?

FIRM CAPITAL MORTGAGE INVEST (FC.CA) has a profitability rating of 8 / 10.


What is the financial health of FIRM CAPITAL MORTGAGE INVEST (FC.CA) stock?

The financial health rating of FIRM CAPITAL MORTGAGE INVEST (FC.CA) is 8 / 10.


Can you provide the expected EPS growth for FC stock?

The Earnings per Share (EPS) of FIRM CAPITAL MORTGAGE INVEST (FC.CA) is expected to grow by 2.8% in the next year.