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Firm Cap Mortgage Invest ( (TSE:FC) ) just unveiled an update.
Firm Capital Mortgage Investment Corporation reported a 4.7% decline in fourth-quarter 2025 net income to $8.7 million, though full-year net income rose 6.4% to $37.5 million, with annual earnings per share edging up to $1.02. The mortgage investment portfolio shrank 6.5% to $610.9 million as new fundings slowed and repayments increased, while the allowance for expected credit losses and fair value adjustments rose to $36.8 million, reflecting higher estimated shortfalls and a larger collective allowance.
The company’s portfolio remains heavily concentrated in conventional first mortgages, which now make up 95.2% of assets, with most loans maturing by the end of 2026 and an average interest rate of 9.50%. The board declared monthly cash dividends of $0.078 per share for April, May and June 2026 and highlighted its dividend reinvestment and share purchase plans, underscoring a continued focus on steady income distributions despite a smaller portfolio and elevated credit loss provisions.
The most recent analyst rating on (TSE:FC) stock is a Buy with a C$14.00 price target. To see the full list of analyst forecasts on Firm Cap Mortgage Invest stock, see the TSE:FC Stock Forecast page.
Spark’s Take on TSE:FC Stock
According to Spark, TipRanks’ AI Analyst, TSE:FC is a Neutral.
The score is primarily held back by weak and volatile recent cash flow (poor cash conversion vs. earnings) and softer TTM revenue momentum, despite strong reported profitability and improving leverage. Technicals are mildly supportive with price above major moving averages and positive MACD, while valuation is a plus due to a moderate P/E and very high dividend yield; recent corporate updates further support the income and balance-sheet narrative.
To see Spark’s full report on TSE:FC stock, click here.
More about Firm Cap Mortgage Invest
Firm Capital Mortgage Investment Corporation is a Toronto-based mortgage investment firm that provides financing primarily through conventional first mortgages. Its diversified portfolio focuses largely on the Ontario real estate market, with additional exposure to Quebec, Western Canada and the U.S., targeting higher-yield mortgage investments for income-focused shareholders.
Average Trading Volume: 56,558
Technical Sentiment Signal: Strong Buy
Current Market Cap: C$435.3M
Find detailed analytics on FC stock on TipRanks’ Stock Analysis page.