FIRM CAPITAL MORTGAGE INVEST (FC.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:FC - CA3183231024 - Common Stock
11.77 CAD
+0.05 (+0.43%)
Taking everything into account, FC scores 6 out of 10 in our fundamental rating. FC was compared to 28 industry peers in the Financial Services industry. While FC has a great profitability rating, there are some minor concerns on its financial health. FC is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year FC was profitable.
In the past year FC had a positive cash flow from operations.
Each year in the past 5 years FC has been profitable.
Of the past 5 years FC 4 years had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 6.32%, FC belongs to the best of the industry, outperforming 92.86% of the companies in the same industry.
The Return On Equity of FC (8.87%) is better than 67.86% of its industry peers.
FC has a better Return On Invested Capital (5.85%) than 67.86% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FC is in line with the industry average of 5.58%.
The last Return On Invested Capital (5.85%) for FC is above the 3 year average (5.27%), which is a sign of increasing profitability.
| 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
With an excellent Profit Margin value of 55.47%, FC belongs to the best of the industry, outperforming 89.29% of the companies in the same industry.
In the last couple of years the Profit Margin of FC has declined.
With an excellent Operating Margin value of 70.96%, FC belongs to the best of the industry, outperforming 82.14% of the companies in the same industry.
In the last couple of years the Operating Margin of FC has grown nicely.
The Gross Margin of FC (73.45%) is better than 82.14% of its industry peers.
In the last couple of years the Gross Margin of FC 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
The number of shares outstanding for FC has been increased compared to 1 year ago.
FC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for FC is higher compared to a year ago.
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.
FC has a Altman-Z score of 1.91. This is in the lower half of the industry: FC underperforms 64.29% of its industry peers.
The Debt to FCF ratio of FC is 16.79, which is on the high side as it means it would take FC, 16.79 years of fcf income to pay off all of its debts.
FC has a better Debt to FCF ratio (16.79) than 67.86% of its industry peers.
A Debt/Equity ratio of 0.39 indicates that FC is not too dependend on debt financing.
FC 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 | 1.91 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
FC has a Current Ratio of 2.51. This indicates that FC is financially healthy and has no problem in meeting its short term obligations.
FC has a Current ratio of 2.51. This is amongst the best in the industry. FC outperforms 92.86% of its industry peers.
FC has a Quick Ratio of 2.51. This indicates that FC is financially healthy and has no problem in meeting its short term obligations.
FC's Quick ratio of 2.51 is amongst the best of the industry. FC outperforms 92.86% of its industry peers.
| 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.
The Earnings Per Share has been decreasing by -0.04% on average over the past years.
Looking at the last year, FC shows a decrease in Revenue. The Revenue has decreased by -6.64% in the last year.
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 is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.59% yearly.
FC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -5.37% yearly.
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
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
The Price/Earnings ratio is 11.54, which indicates a very decent valuation of FC.
Based on the Price/Earnings ratio, FC is valued cheaply inside the industry as 82.14% of the companies are valued more expensively.
FC is valuated cheaply when we compare the Price/Earnings ratio to 25.98, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 11.15 indicates a reasonable valuation of FC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FC indicates a somewhat cheap valuation: FC is cheaper than 75.00% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.79. FC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.54 | ||
| Fwd PE | 11.15 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FC is valued a bit cheaper than the industry average as 71.43% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 43.73 | ||
| 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 excellent profitability rating of FC may justify a higher PE ratio.
PEG (NY)1.95
PEG (5Y)N/A
EPS Next 2Y3.16%
EPS Next 3Y2.59%
5. Dividend
5.1 Amount
FC has a Yearly Dividend Yield of 8.06%, which is a nice return.
FC's Dividend Yield is comparable with the industry average which is at 6.89.
Compared to an average S&P500 Dividend Yield of 2.41, FC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.06% |
5.2 History
The dividend of FC decreases each year by -0.40%.
FC has paid a dividend for at least 10 years, which is a reliable track record.
FC has decreased its dividend in the last 3 years.
Dividend Growth(5Y)-0.4%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
FC pays out 95.98% of its income as dividend. This is not a sustainable payout ratio.
DP95.98%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
TSX:FC (11/25/2025, 7:00:00 PM)
11.77
+0.05 (+0.43%)
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 Cap432.43M
Revenue(TTM)65.87M
Net Income(TTM)37.77M
Analysts84
Price Target13.26 (12.66%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.06% |
Yearly Dividend0.98
Dividend Growth(5Y)-0.4%
DP95.98%
Div Incr Years2
Div Non Decr Years2
Ex-Date
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)0.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.54 | ||
| Fwd PE | 11.15 | ||
| P/S | 6.35 | ||
| P/FCF | 43.73 | ||
| P/OCF | 43.73 | ||
| P/B | 1.02 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.02
EY8.67%
EPS(NY)1.06
Fwd EY8.97%
FCF(TTM)0.27
FCFY2.29%
OCF(TTM)0.27
OCFY2.29%
SpS1.85
BVpS11.59
TBVpS11.6
PEG (NY)1.95
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 | 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)3.96%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%-1.6%
EPS Next Y5.91%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.64%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.14%
Revenue Next Year-7.15%
Revenue Next 2Y-7.38%
Revenue Next 3Y-5.37%
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 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.
What is the valuation status for FC stock?
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 8 / 10.
What are the PE and PB ratios of FIRM CAPITAL MORTGAGE INVEST (FC.CA) stock?
The Price/Earnings (PE) ratio for FIRM CAPITAL MORTGAGE INVEST (FC.CA) is 11.54 and the Price/Book (PB) ratio is 1.02.
What is the earnings growth outlook for FIRM CAPITAL MORTGAGE INVEST?
The Earnings per Share (EPS) of FIRM CAPITAL MORTGAGE INVEST (FC.CA) is expected to grow by 5.91% in the next year.