FIRM CAPITAL MORTGAGE INVEST (FC.CA) Stock Fundamental Analysis
Canada - TSX:FC - CA3183231024 - Common Stock
11.9 CAD
-0.17 (-1.41%)
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 scores excellent on profitability, but there are 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.
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.
1.2 Ratios
FC's Return On Assets of 5.98% is amongst the best of the industry. FC outperforms 92.86% of its industry peers.
With a decent Return On Equity value of 8.92%, FC is doing good in the industry, outperforming 67.86% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 5.58%, FC is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for FC is in line with the industry average of 5.38%.
The 3 year average ROIC (5.27%) for FC is below the current ROIC(5.58%), indicating increased profibility in the last year.
| 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 has a better Profit Margin (55.47%) than 89.29% of its industry peers.
In the last couple of years the Profit Margin of FC has declined.
FC has a better Operating Margin (70.97%) than 85.71% 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.
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
FC has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, FC has more shares outstanding
FC has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.50, we must say that FC is in the distress zone and has some risk of bankruptcy.
FC's Altman-Z score of 1.50 is on the low side compared to the rest of the industry. FC is outperformed by 60.71% of its industry peers.
FC has a debt to FCF ratio of 19.43. This is a negative value and a sign of low solvency as FC would need 19.43 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 19.43, 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 0.47. This is a healthy value indicating a solid balance between debt and equity.
FC has a Debt to Equity ratio of 0.47. This is amongst the best in the industry. FC outperforms 82.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 19.43 | ||
| Altman-Z | 1.5 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.11 indicates that FC may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.11, FC is in line with its industry, outperforming 42.86% of the companies in the same industry.
FC has a Quick 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.
The Quick ratio of FC (0.11) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.11 | ||
| Quick Ratio | 0.11 |
3. Growth
3.1 Past
FC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.47%.
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 -0.92% in the past year.
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 2.59% on average per year.
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.
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
With a Price/Earnings ratio of 11.55, the valuation of FC can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of FC indicates a somewhat cheap valuation: FC is cheaper than 78.57% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of FC to the average of the S&P500 Index (27.02), we can say FC is valued rather cheaply.
FC is valuated reasonably with a Price/Forward Earnings ratio of 11.27.
75.00% of the companies in the same industry are more expensive than FC, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of FC to the average of the S&P500 Index (22.57), we can say FC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.55 | ||
| Fwd PE | 11.27 |
4.2 Price Multiples
FC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FC is cheaper than 71.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 42.51 | ||
| 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)1.96
PEG (5Y)N/A
EPS Next 2Y3.16%
EPS Next 3Y2.59%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.75%, FC is a good candidate for dividend investing.
FC's Dividend Yield is slightly below the industry average, which is at 7.85.
FC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.75% |
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 95.55% of its income as dividend. This is not a sustainable payout ratio.
DP95.55%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
TSX:FC (10/10/2025, 7:00:00 PM)
11.9
-0.17 (-1.41%)
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 Cap437.21M
Analysts84
Price Target13.26 (11.43%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.75% |
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)0%
PT rev (3m)-3.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.49%
EPS NY rev (3m)2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.55 | ||
| Fwd PE | 11.27 | ||
| P/S | 6.42 | ||
| P/FCF | 42.51 | ||
| P/OCF | 42.51 | ||
| P/B | 1.03 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY8.66%
EPS(NY)1.06
Fwd EY8.87%
FCF(TTM)0.28
FCFY2.35%
OCF(TTM)0.28
OCFY2.35%
SpS1.85
BVpS11.52
TBVpS11.52
PEG (NY)1.96
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 | 1.5 |
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 Y5.91%
EPS Next 2Y3.16%
EPS Next 3Y2.59%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.92%
Revenue growth 3Y12.73%
Revenue growth 5Y7.71%
Sales Q2Q%-6.05%
Revenue Next Year-7.15%
Revenue Next 2Y-7.38%
Revenue Next 3Y-5.37%
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