FIRM CAPITAL MORTGAGE INVEST (FC.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:FC - CA3183231024 - Common Stock
11.62 CAD
+0.07 (+0.61%)
Overall FC gets a fundamental rating of 6 out of 10. We evaluated FC against 28 industry peers in the Financial Services industry. FC has an excellent profitability rating, but there are some minor 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.
In the past 5 years FC has always been profitable.
Of the past 5 years FC 4 years had a positive operating cash flow.
1.2 Ratios
FC has a better Return On Assets (6.32%) than 92.86% of its industry peers.
FC's Return On Equity of 8.87% is fine compared to the rest of the industry. FC outperforms 67.86% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.85%, FC is in the better half of the industry, outperforming 67.86% of the companies in the same industry.
FC had an Average Return On Invested Capital over the past 3 years of 5.27%. This is in line with the industry average of 5.82%.
The 3 year average ROIC (5.27%) for FC 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
FC's Profit Margin of 55.47% is fine compared to the rest of the industry. FC outperforms 78.57% 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 82.14% of its industry peers.
In the last couple of years the Operating Margin of FC has grown nicely.
FC has a better Gross Margin (73.45%) 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.
FC has a worse debt/assets ratio than last year.
2.2 Solvency
FC has an Altman-Z score of 1.88. 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.
With a Altman-Z score value of 1.88, FC is not doing good in the industry: 64.29% of the companies in the same industry are doing better.
FC has a debt to FCF ratio of 16.79. This is a negative value and a sign of low solvency as FC would need 16.79 years to pay back of all of its debts.
The Debt to FCF ratio of FC (16.79) is better than 71.43% of its industry peers.
A Debt/Equity ratio of 0.39 indicates that FC is not too dependend on debt financing.
FC's Debt to Equity ratio of 0.39 is amongst the best of the industry. FC outperforms 82.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 16.79 | ||
| Altman-Z | 1.88 |
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 better Current ratio (2.51) than 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
FC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.96%.
Measured over the past years, FC shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.04% on average per year.
The Revenue has decreased by -6.64% in the past year.
Measured over the past years, FC shows a small growth in Revenue. The Revenue has been growing by 7.71% on average per year.
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
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.
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
FC is valuated reasonably with a Price/Earnings ratio of 11.39.
82.14% of the companies in the same industry are more expensive than FC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.46. FC is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 11.01, which indicates a very decent valuation of FC.
Based on the Price/Forward Earnings ratio, FC is valued a bit cheaper than 78.57% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FC to the average of the S&P500 Index (36.10), we can say FC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.39 | ||
| Fwd PE | 11.01 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, FC is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 43.17 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates FC does not grow enough to justify the current Price/Earnings ratio.
The excellent profitability rating of FC may justify a higher PE ratio.
PEG (NY)1.93
PEG (5Y)N/A
EPS Next 2Y3.16%
EPS Next 3Y2.59%
5. Dividend
5.1 Amount
FC has a Yearly Dividend Yield of 7.93%, which is a nice return.
FC's Dividend Yield is comparable with the industry average which is at 6.73.
Compared to an average S&P500 Dividend Yield of 2.32, FC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.93% |
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
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 (12/5/2025, 7:00:00 PM)
11.62
+0.07 (+0.61%)
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 Cap426.92M
Revenue(TTM)65.87M
Net Income(TTM)37.77M
Analysts84
Price Target13.26 (14.11%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.93% |
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 | 11.39 | ||
| Fwd PE | 11.01 | ||
| P/S | 6.27 | ||
| P/FCF | 43.17 | ||
| P/OCF | 43.17 | ||
| P/B | 1 | ||
| P/tB | 1 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.02
EY8.78%
EPS(NY)1.06
Fwd EY9.09%
FCF(TTM)0.27
FCFY2.32%
OCF(TTM)0.27
OCFY2.32%
SpS1.85
BVpS11.59
TBVpS11.6
PEG (NY)1.93
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 | 1.88 |
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 11.39 and the Price/Book (PB) ratio is 1.
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.