Firm Cap Mortgage Invest (FC) AI Stock Analysis

• Market Cap: C$446.01M
• Dividend Yield: 8.38%
• Average Volume (3M): 42.31K
• Price to Earnings (P/E): 11.5
• Beta (1Y): 0.47
• Revenue Growth: -6.64%
• EPS Growth: 4.43%
• Country: CA
• Employees: 1
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 0.23
• Shares Outstanding: 36,738,846
• 10 Day Avg. Volume: 51,687
• 30 Day Avg. Volume: 42,308
• PEG Ratio: -1.29
• Price to Book (P/B): 1.01
• Price to Sales (P/S): 6.45
• P/FCF Ratio: 9.11
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: C$12.50
• Price Target Upside: 5.84% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 1.01
• Revenue Forecast (FY): C$58.32M

• Rating: 68 Neutral
• Price Target: C$13.00 ▲(10.08% Upside)
• Action: Downgraded Date: 03/24/26
• Date: Action: Downgraded 03/24/26

The score is primarily supported by solid underlying financial performance (high profitability and improving leverage) and an attractive valuation/income profile (moderate P/E with a high dividend yield). These positives are tempered by weaker technical momentum and historical cash-flow volatility, with the special dividend/payout confirmation providing a modest additional support.

Positive Factors

High Profitability

Consistently high net margins and solid profitability indicate the business converts mortgage yield into earnings efficiently. Durable margins support the firm's ability to fund dividends, build capital buffers and absorb cyclical credit shocks typical in mortgage investing.

Negative Factors

Cash-Flow Volatility

Material swings in operating cash flow across years highlight timing and working-capital sensitivity in mortgage collections and repayments. Uneven cash generation raises the risk that distributions or reinvestment plans will face short-term strain during adverse credit or funding episodes.

Firm Cap Mortgage Invest Business Overview & Revenue Model

Company Description

Firm Capital Mortgage Investment Corporation, through its mortgage banker, Firm Capital Corporation, provides residential and commercial short-term bridge, and conventional real estate finance in Canada. It engages in originating, funding, purchas...

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Firm Capital Mortgage Investment Corporation, through its mortgage banker, Firm Capital Corporation, provides residential and commercial short-term bridge, and conventional real estate finance in Canada. It engages in originating, funding, purchas...

Firm Cap Mortgage Invest Financial Statement Overview

Breakdown	Dec 2025	Mar 2025	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	66.72M	68.63M	66.22M	58.02M	45.30M
Gross Profit	62.01M	50.82M	40.81M	40.14M	35.36M
EBITDA	49.91M	58.66M	34.16M	32.23M	29.99M
Net Income	37.47M	35.23M	34.16M	32.23M	29.99M
Balance Sheet
Total Assets	594.78M	631.22M	589.61M	656.18M	640.28M
Cash, Cash Equivalents and Short-Term Investments	14.26M	0.00	9.37M	0.00	0.00
Total Debt	160.85M	199.90M	182.80M	251.24M	252.36M
Total Liabilities	169.66M	207.84M	190.42M	257.13M	257.61M
Stockholders Equity	425.12M	423.39M	399.19M	399.05M	382.67M
Cash Flow
Free Cash Flow	47.26M	-13.76M	63.47M	51.86M	40.95M
Operating Cash Flow	47.26M	-13.76M	63.47M	51.86M	40.95M
Investing Cash Flow	42.67M	0.00	62.79M	-18.80M	-83.19M
Financing Cash Flow	-63.98M	-7.30M	-88.26M	-27.75M	40.35M

Firm Cap Mortgage Invest Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 11.81
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:FC, the sentiment is Positive. The current price of 11.81 is above the 20-day moving average (MA) of 11.77, below the 50-day MA of 11.93, and above the 200-day MA of 11.59, indicating a bullish trend. The MACD of 0.05 indicates Negative momentum. The RSI at 65.85 is Neutral, neither overbought nor oversold. The STOCH value of 87.67 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSE:FC.

Firm Cap Mortgage Invest Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AI	71 Outperform	C$570.96M	11.42	9.36%	7.95%	-13.69%	-1.60%
MKP	69 Neutral	C$973.57M	11.86	11.93%	7.33%	7.74%	-31.96%
FC	68 Neutral	C$446.01M	11.49	8.81%	8.38%	-6.64%	4.43%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TF	56 Neutral	C$561.07M	16.44	5.09%	10.00%	-9.00%	-35.22%
FSZ	54 Neutral	C$580.03M	17.05	14.44%	8.78%	-0.88%	-52.30%
ECN	53 Neutral	C$867.74M	21.77	10.01%	1.32%	27.37%	―

Firm Cap Mortgage Invest Corporate Events