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Firm Capital Mortgage Investment Corporation (FC.TO)

CAD12.07 +0.03 (+0.21%)
CA TSX Financial Services Financial - Mortgages
Address 163 Cartwright Avenue M6A 1V5
Toronto, ON, CA
CEO Eli Dadouch
IPO 2003-10-09
ISIN CA3183231024

Explore sections of this company profile

Also trades on Other OTC · FCMGF (USD) Toronto Stock Exchange · FC.TO (CAD)
Description

Firm Capital Mortgage Investment Corporation, operating through its mortgage banker Firm Capital Corporation, offers a comprehensive range of real estate financing solutions throughout Canada. Their services cater to both residential and commercial properties, encompassing conventional loans and short-term bridge financing. The company's primary activities include the origination, funding, acquisition, and management of various mortgage investments. Beyond these core functions, Firm Capital provides an array of mortgage-related services, such as specialized real estate investment financing, capital market solutions, and dedicated loan servicing and advisory support. Their extensive lending programs feature construction and development loans, financing for investment properties, diverse short-term and bridge capital, mezzanine and equity investments, and capital market facilities. They also extend financing for residential and non-conventional housing, condominium capital improvements, and unique special situation loans. Additionally, the corporation delivers various related investment services. Established in 1988, Firm Capital Mortgage Investment Corporation is headquartered in Toronto, Canada.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
CAD12.07 +0.03 (+0.21%)
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Volume Profile
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Liquidity & share structure
Average Volume
58.5K
Beta
0.80
Float Shares
35.89M
Free Float %
97.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.08% -1.08% -1.65% -1.32% +0.17% +1.88% -0.67% +7.66% -18.05% -8.65% +19.40%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
12.07
DCF (Unlevered) 20.02 +66.0%
DCF (Levered) 13.90 +15.2%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 2 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
2.41
Grey zone
Piotroski F-Score
6 / 9
Average
MOAT Score
7 / 10
Strong MOAT
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
5 / 5
High
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Financial - Mortgages: +18.2%
    -2.8% Q1'26: -25.2% (vs Q1'25)
  • EPS growth Financial - Mortgages: +18.3%
    +2.0% Q1'26: -14.8% (vs Q1'25)
  • FCF margin FCF growth · Financial - Mortgages: +84.8%
    +52.6% Q1'26: +73.1% (vs Q1'25)
  • EBIT margin Financial - Mortgages: +34.8%
    +74.8% Q1'26: +81.9% (vs Q1'25)
  • ROIC Financial - Mortgages: +4.9%
    +8.7% Q1'26: +8.4% (vs Q1'25)
  • Share dilution Financial - Mortgages: 0.0%
    -2.4% Q1'26: -8.3% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Financial - Mortgages: 7.44×
    3.22× Q1'26: 2.86× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.80) × ERP
WACC = 74% × Ke + 26% × Kd (7.7%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 19.94 Current price: 12.07
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2005
actual
Dec 2008
actual
Dec 2009
actual
Dec 2010
actual
Dec 2012
actual
Dec 2013
actual
Dec 2014
actual
Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Revenue
13.71M
est.
22.19M
est: 22.43M (-1.1%)
18.40M
est: 18.27M (+0.7%)
17.22M
est: 18.27M (-5.7%)
27.32M
est: 28.42M (-3.9%)
28.47M
est: 28.71M (-0.8%)
30.69M
est: 32.12M (-4.5%)
34.01M
est: 26.73M (+27.2%)
36.04M
est: 36.09M (-0.1%)
43.88M
est: 42.29M (+3.8%)
47.31M
est: 47.02M (+0.6%)
47.34M
est: 46.96M (+0.8%)
44.18M
est: 43.85M (+0.8%)
45.30M
est: 46.82M (-3.2%)
58.02M
est: 58.90M (-1.5%)
66.22M
est: 45.43M (+45.8%)
68.63M
est: 68.62M (+0.0%)
66.72M
est: 64.80M (+3.0%)
56.60M
56.60M – 56.60M
-12.7% YoY
56.55M
56.55M – 56.55M
-0.1% YoY
EBITDA
8.56M
est.
14.70M
est: 14.01M (+5.0%)
14.45M
est: 11.97M (+20.7%)
8.18M
est: 11.41M (-28.3%)
16.76M
est: 22.48M (-25.5%)
17.61M
est: 16.93M (+4.0%)
19.51M
est: 19.70M (-1.0%)
20.08M
est: 17.03M (+17.9%)
21.19M
est: 5.54M (+282.3%)
24.82M
est: 26.93M (-7.8%)
25.75M
est: 45.63M (-43.6%)
28.00M
est: 25.69M (+9.0%)
26.35M
est: 27.92M (-5.6%)
29.99M
est: 29.82M (+0.6%)
32.23M
est: 26.13M (+23.4%)
34.16M
est: 40.55M (-15.8%)
58.66M
est: 61.25M (-4.2%)
49.91M
est: 57.83M (-13.7%)
50.52M
50.52M – 50.52M
-12.7% YoY
50.48M
50.48M – 50.48M
-0.1% YoY
EBIT
8.56M
est.
14.70M
est: 14.01M (+5.0%)
14.45M
est: 11.97M (+20.7%)
8.18M
est: 11.41M (-28.3%)
16.76M
est: 22.48M (-25.5%)
17.61M
est: 16.93M (+4.0%)
19.51M
est: 19.70M (-1.0%)
20.08M
est: 17.03M (+17.9%)
21.19M
est: 5.54M (+282.3%)
24.82M
est: 26.93M (-7.8%)
25.75M
est: 43.98M (-41.4%)
28.00M
est: 25.71M (+8.9%)
26.35M
est: 27.92M (-5.6%)
29.99M
est: 29.82M (+0.6%)
32.23M
est: 26.13M (+23.4%)
34.16M
est: 40.55M (-15.8%)
58.66M
est: 61.25M (-4.2%)
49.91M
est: 57.83M (-13.7%)
50.52M
50.52M – 50.52M
-12.7% YoY
50.48M
50.48M – 50.48M
-0.1% YoY
Net Income
38.30M
est.
14.70M
est: 43.16M (-65.9%)
14.45M
est: 25.94M (-44.3%)
8.18M
est: 39.11M (-79.1%)
16.76M
est: 30.21M (-44.5%)
17.61M
est: 16.93M (+4.0%)
19.51M
est: 19.70M (-1.0%)
20.08M
est: 39.32M (-48.9%)
21.19M
est: 5.54M (+282.3%)
24.82M
est: 62.04M (-60.0%)
25.75M
est: 44.81M (-42.5%)
28.00M
est: 25.70M (+8.9%)
26.35M
est: 34.93M (-24.6%)
29.99M
est: 36.92M (-18.8%)
32.23M
est: 26.13M (+23.4%)
34.16M
35.23M
est: 38.57M (-8.7%)
37.47M
est: 39.73M (-5.7%)
38.96M
38.96M – 38.96M
-2.0% YoY
39.93M
39.34M – 40.51M
+2.5% YoY
SGA
489.7K
est.
781.2K
est: 801.1K (-2.5%)
827.7K
est: 652.5K (+26.9%)
1.31M
est: 652.5K (+100.9%)
1.04M
est: 1.02M (+2.4%)
1.02M
est: 1.05M (-2.5%)
805.7K
est: 1.14M (-29.4%)
829.6K
est: 974.0K (-14.8%)
842.2K
est: 1.31M (-35.9%)
956.9K
est: 1.54M (-37.9%)
1.05M
est: 1.73M (-38.9%)
1.23M
est: 1.04M (+18.4%)
2.11M
est: 1.60M (+32.2%)
1.22M
est: 1.71M (-28.2%)
3.21M
est: 1.15M (+178.7%)
1.80M
est: 1.22M (+47.2%)
1.71M
est: 1.84M (-7.5%)
est: 1.74M (-100.0%)
1.52M
1.52M – 1.52M
-12.7% YoY
1.52M
1.52M – 1.52M
-0.1% YoY
EPS
0.98
est.
1.12
est: 1.10 (+2.1%)
1.04
est: 1.06 (-1.5%)
1.01
est: 0.99 (+1.6%)
1.00
est: 1.01 (-0.9%)
0.99
est: 1.00 (-1.4%)
0.98
est: 1.00 (-1.6%)
0.99
est: 0.99 (+0.5%)
0.97
est: 0.97 (+0.5%)
1.02
est: 0.98 (+4.6%)
0.70
est: 0.95 (-26.3%)
1.01
est: 1.01 (+0.4%)
0.91
est: 0.88 (+4.0%)
0.95
est: 0.93 (+2.7%)
0.94
est: 0.96 (-2.1%)
1.17
1.12
est: 0.99 (+13.1%)
1.02
est: 1.02 (+0.0%)
1.00
1.00 – 1.00
-2.0% YoY
1.03
1.01 – 1.04
+2.5% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-07 A- 4/5 4/5 3/5 5/5 2/5 3/5 3/5
2026-05-06 A- 4/5 4/5 3/5 5/5 2/5 3/5 3/5
2026-05-05 A- 4/5 4/5 3/5 5/5 2/5 3/5 3/5
2026-05-04 A- 4/5 4/5 3/5 5/5 2/5 3/5 3/5
2026-05-01 A- 4/5 4/5 3/5 5/5 2/5 3/5 3/5
2026-04-30 A- 4/5 4/5 3/5 5/5 2/5 3/5 3/5
2026-04-29 A- 4/5 4/5 3/5 5/5 2/5 3/5 3/5
2026-04-28 A- 4/5 4/5 3/5 5/5 2/5 3/5 3/5
2026-04-27 A- 4/5 4/5 3/5 5/5 2/5 3/5 3/5
2026-04-24 A- 4/5 4/5 3/5 5/5 2/5 3/5 3/5
2026-04-23 A- 4/5 4/5 3/5 5/5 2/5 3/5 3/5
2026-04-22 A- 4/5 4/5 3/5 5/5 2/5 3/5 3/5
2026-04-21 A- 4/5 4/5 3/5 5/5 2/5 3/5 3/5
2026-04-20 A- 4/5 4/5 3/5 5/5 2/5 3/5 3/5
2026-04-17 A- 4/5 4/5 3/5 5/5 2/5 3/5 3/5
2026-04-16 A- 4/5 4/5 3/5 5/5 2/5 3/5 3/5

Owner Earnings

Owner's Earnings (history)

Owner's Earnings history not available.

Owner alignment
Owner's Earnings TTM
OE per share TTM
Owner's Yield
Maintenance CapEx ratio
Maint CapEx / Avg PPE

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 4 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 iShares S&P/TSX SmallCap Index ETF XCS.TO 0.14% 247.9K 0.60%
2 Avantis International Small Cap Equity ETF AVDS 0.01% 36.4K 0.30%
3 Avantis Responsible International Equity ETF AVSD 0.00% 18.0K 0.23%
4 Avantis International Equity ETF AVDE 0.00% 68.3K 0.23%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
49.91M
Shares Outstanding
36.74M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Eli Dadouch Founder, President, Chief Executive Officer & Director 4M male
Jonathan Mair Chief Operating Officer, Executive Vice President & Director 300.0K male
Ryan Lim Chief Financial Officer 225.0K male
Victoria Granovski MFin Secretary, Internal Credit Manager, Senior Vice President of Credit & Equity Capital and Director 209.1K female
Sandy Ivan Poklar Executive Vice President & MD of Finance 120.0K male
Michael Warner Senior Vice President of Mortgage Lending & Director male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits