FIRM CAPITAL MORTGAGE INVEST (FC.CA) Stock Fundamental Analysis

Canada • Toronto Stock Exchange • TSX:FC • CA3183231024

12.19 CAD
+0.04 (+0.33%)
Last: Feb 5, 2026, 07:00 PM
Fundamental Rating

6

Overall FC gets a fundamental rating of 6 out of 10. We evaluated FC against 28 industry peers in the Financial Services industry. FC scores excellent on profitability, but there are some minor concerns on its financial health. FC is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • In the past year FC was profitable.
  • FC had a positive operating cash flow in the past year.
  • Each year in the past 5 years FC has been profitable.
  • FC had a positive operating cash flow in 4 of the past 5 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

  • FC has a better Return On Assets (6.32%) than 89.29% 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.
  • The Average Return On Invested Capital over the past 3 years for FC is below the industry average of 7.95%.
  • 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 RankSector 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%
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

  • With an excellent Profit Margin value of 55.47%, 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 Profit Margin of FC has declined.
  • The Operating Margin of FC (70.96%) is better than 89.29% of its industry peers.
  • 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.
  • FC's Gross Margin has improved in the last couple of years.
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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6

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.
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 1.96. 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's Altman-Z score of 1.96 is in line compared to the rest of the industry. FC outperforms 46.43% of its industry peers.
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 16.79, FC is in the better half of the industry, outperforming 67.86% of the companies in the same industry.
  • FC has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of FC (0.39) is better than 82.14% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF 16.79
Altman-Z 1.96
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

  • 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.
  • Looking at the Current ratio, with a value of 2.51, FC belongs to the top of the industry, outperforming 92.86% of the companies in the same industry.
  • 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.
  • With an excellent Quick ratio value of 2.51, FC belongs to the best of the industry, outperforming 92.86% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.51
Quick Ratio 2.51
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. Growth

3.1 Past

  • FC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.96%.
  • The Earnings Per Share has been decreasing by -0.04% on average over the past years.
  • FC shows a decrease in Revenue. In the last year, the revenue decreased by -6.64%.
  • FC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.71% yearly.
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 2.18% yearly.
  • The Revenue is expected to decrease by -5.64% on average over the next years.
EPS Next Y5.86%
EPS Next 2Y2.91%
EPS Next 3Y2.18%
EPS Next 5YN/A
Revenue Next Year-5.58%
Revenue Next 2Y-7.81%
Revenue Next 3Y-5.64%
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.
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.95, which indicates a very decent valuation of FC.
  • 75.00% 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 27.67, FC is valued rather cheaply.
  • FC is valuated reasonably with a Price/Forward Earnings ratio of 11.60.
  • Based on the Price/Forward Earnings ratio, FC is valued a bit cheaper than the industry average as 67.86% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 27.20. FC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.95
Fwd PE 11.6
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 a bit cheaper than the industry average as 64.29% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 45.29
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 FC does not grow enough to justify the current Price/Earnings ratio.
  • FC has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)2.04
PEG (5Y)N/A
EPS Next 2Y2.91%
EPS Next 3Y2.18%

More info and screens

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

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 7.72%, FC is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 5.61, FC has a dividend in line with its industry peers.
  • FC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 7.72%

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
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 2Y2.91%
EPS Next 3Y2.18%
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

More info and screens

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FIRM CAPITAL MORTGAGE INVEST

TSX:FC (2/5/2026, 7:00:00 PM)

12.19

+0.04 (+0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04
Earnings (Next)03-30
Inst Owners1.58%
Inst Owner ChangeN/A
Ins Owners2.2%
Ins Owner ChangeN/A
Market Cap447.86M
Revenue(TTM)65.87M
Net Income(TTM)37.77M
Analysts84
Price Target13.26 (8.78%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.72%
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)-0.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.69%
Valuation
Industry RankSector Rank
PE 11.95
Fwd PE 11.6
P/S 6.58
P/FCF 45.29
P/OCF 45.29
P/B 1.05
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)1.02
EY8.37%
EPS(NY)1.05
Fwd EY8.62%
FCF(TTM)0.27
FCFY2.21%
OCF(TTM)0.27
OCFY2.21%
SpS1.85
BVpS11.59
TBVpS11.6
PEG (NY)2.04
PEG (5Y)N/A
Graham Number16.31
Profitability
Industry RankSector 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 RankSector 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 1.96
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 Y5.86%
EPS Next 2Y2.91%
EPS Next 3Y2.18%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.64%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.14%
Revenue Next Year-5.58%
Revenue Next 2Y-7.81%
Revenue Next 3Y-5.64%
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.


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 8 / 10.


Can you provide the financial health for FC stock?

The financial health rating of FIRM CAPITAL MORTGAGE INVEST (FC.CA) is 6 / 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%.