FIRM CAPITAL MORTGAGE INVEST (FC.CA) Stock Fundamental Analysis
TSX:FC - CA3183231024 - Common Stock
12.12 CAD
-0.08 (-0.66%)
FC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 29 industry peers in the Financial Services industry. FC has an excellent profitability rating, but there are concerns on its financial health. FC has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
FC had positive earnings in the past year.
FC had a positive operating cash flow in the past year.
FC had positive earnings in each of the past 5 years.
FC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
FC has a better Return On Assets (5.98%) than 89.66% of its industry peers.
FC's Return On Equity of 8.92% is fine compared to the rest of the industry. FC outperforms 65.52% of its industry peers.
FC has a better Return On Invested Capital (5.58%) than 65.52% 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 5.62%.
The last Return On Invested Capital (5.58%) for FC is above the 3 year average (5.27%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.98% | ||
| ROE | 8.92% | ||
| ROIC | 5.58% |
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
FC's Profit Margin of 55.47% is amongst the best of the industry. FC outperforms 89.66% of its industry peers.
FC's Profit Margin has declined in the last couple of years.
The Operating Margin of FC (70.97%) is better than 75.86% of its industry peers.
In the last couple of years the Operating Margin of FC has grown nicely.
FC's Gross Margin of 73.45% is amongst the best of the industry. FC outperforms 82.76% of its industry peers.
In the last couple of years the Gross Margin of FC has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 70.97% | ||
| 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.
The number of shares outstanding for FC has been increased compared to 5 years ago.
FC has a worse debt/assets ratio than last year.
2.2 Solvency
FC has an Altman-Z score of 1.53. This is a bad value and indicates that FC is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of FC (1.53) is worse than 62.07% of its industry peers.
The Debt to FCF ratio of FC is 19.43, which is on the high side as it means it would take FC, 19.43 years of fcf income to pay off all of its debts.
FC has a Debt to FCF ratio of 19.43. This is in the better half of the industry: FC outperforms 68.97% of its industry peers.
A Debt/Equity ratio of 0.47 indicates that FC is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.47, FC belongs to the best of the industry, outperforming 82.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 19.43 | ||
| Altman-Z | 1.53 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
FC has a Current Ratio of 0.11. This is a bad value and indicates that FC is not financially healthy enough and could expect problems in meeting its short term obligations.
FC's Current ratio of 0.11 is in line compared to the rest of the industry. FC outperforms 44.83% of its industry peers.
A Quick Ratio of 0.11 indicates that FC may have some problems paying its short term obligations.
With a Quick ratio value of 0.11, FC perfoms like the industry average, outperforming 44.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 4.47% over the past year.
FC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.04% yearly.
FC shows a decrease in Revenue. In the last year, the revenue decreased by -0.92%.
FC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.71% yearly.
EPS 1Y (TTM)4.47%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%6.07%
Revenue 1Y (TTM)-0.92%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.05%
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 2.82% on average per year.
FC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -5.29% yearly.
EPS Next Y5.39%
EPS Next 2Y3.41%
EPS Next 3Y2.82%
EPS Next 5YN/A
Revenue Next Year-9.07%
Revenue Next 2Y-7.59%
Revenue Next 3Y-5.29%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.77, the valuation of FC can be described as reasonable.
79.31% of the companies in the same industry are more expensive than FC, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.06, FC is valued rather cheaply.
A Price/Forward Earnings ratio of 11.42 indicates a reasonable valuation of FC.
FC's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FC is cheaper than 75.86% of the companies in the same industry.
FC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.69.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.77 | ||
| Fwd PE | 11.42 |
4.2 Price Multiples
FC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FC is cheaper than 68.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 43.29 | ||
| 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)2.18
PEG (5Y)N/A
EPS Next 2Y3.41%
EPS Next 3Y2.82%
5. Dividend
5.1 Amount
FC has a Yearly Dividend Yield of 7.67%, which is a nice return.
FC's Dividend Yield is comparable with the industry average which is at 6.12.
Compared to an average S&P500 Dividend Yield of 2.32, FC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.67% |
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.
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 95.55% of its income as dividend. This is not a sustainable payout ratio.
DP95.55%
EPS Next 2Y3.41%
EPS Next 3Y2.82%
TSX:FC (9/5/2025, 7:00:00 PM)
12.12
-0.08 (-0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.61%
Inst Owner ChangeN/A
Ins Owners2.2%
Ins Owner ChangeN/A
Market Cap445.29M
Analysts84
Price Target13.26 (9.41%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.67% |
Yearly Dividend0.98
Dividend Growth(5Y)-0.4%
DP95.55%
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)-3.7%
PT rev (3m)-3.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.92%
EPS NY rev (1m)1.5%
EPS NY rev (3m)1.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.77 | ||
| Fwd PE | 11.42 | ||
| P/S | 6.54 | ||
| P/FCF | 43.29 | ||
| P/OCF | 43.29 | ||
| P/B | 1.05 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY8.5%
EPS(NY)1.06
Fwd EY8.75%
FCF(TTM)0.28
FCFY2.31%
OCF(TTM)0.28
OCFY2.31%
SpS1.85
BVpS11.52
TBVpS11.52
PEG (NY)2.18
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.98% | ||
| ROE | 8.92% | ||
| ROCE | 8.68% | ||
| ROIC | 5.58% | ||
| ROICexc | 5.58% | ||
| ROICexgc | 5.58% | ||
| OM | 70.97% | ||
| PM (TTM) | 55.47% | ||
| GM | 73.45% | ||
| FCFM | 15.11% |
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%
ROICexcg growth 3Y16%
ROICexcg 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-Score5
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 19.43 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 4.06 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 27.23% | ||
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 | ||
| Altman-Z | 1.53 |
F-Score5
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)4.47%
EPS 3Y1.67%
EPS 5Y-0.04%
EPS Q2Q%6.07%
EPS Next Y5.39%
EPS Next 2Y3.41%
EPS Next 3Y2.82%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.92%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.05%
Revenue Next Year-9.07%
Revenue Next 2Y-7.59%
Revenue Next 3Y-5.29%
Revenue Next 5YN/A
EBIT growth 1Y1.37%
EBIT growth 3Y15.28%
EBIT growth 5Y10.11%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-82.99%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-82.99%
OCF growth 3YN/A
OCF growth 5YN/A