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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Builders Capital Mortgage's Debt-to-Equity or its related term are showing as below:
TSXV:BCF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.08 Med: 0.2 Max: 0.62
Current: 0.62
During the past 13 years, the highest Debt-to-Equity Ratio of Builders Capital Mortgage was 0.62. The lowest was 0.08. And the median was 0.20.
TSXV:BCF's Debt-to-Equity is ranked worse than 51.94% of 1419
companies
in the Banks industry
Industry Median: 0.58
vs TSXV:BCF: 0.62
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Builders Capital Mortgage Debt-to-Equity Related Terms
Builders Capital Mortgage Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
TSXV:BCF vs RKT, FNMA, PFSI: Debt-to-Equity Comparison
For the Mortgage Finance subindustry, Builders Capital Mortgage's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Builders Capital Mortgage Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Builders Capital Mortgage's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Builders Capital Mortgage's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Builders Capital Mortgage (TSXV:BCF) has a Debt-to-Equity of 0.62 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Builders Capital Mortgage and its competitors. This is 210% above median its historical median of 0.20. Over the past decade, Builders Capital Mortgage's Debt-to-Equity has ranged from 0.08 to 0.62. According to the industry distribution chart, Builders Capital Mortgage ranks #737 out of 1419 companies in the Banks industry, placing it in the top 51.9%.
Is Builders Capital Mortgage's Debt-to-Equity too high?
Builders Capital Mortgage's current Debt-to-Equity of 0.62 is 210% above median its 10-year median of 0.20. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.62. The Banks industry median Debt-to-Equity is 0.58. Builders Capital Mortgage's value of 0.62 is 6.9% above this industry median. Based on the distribution chart, Builders Capital Mortgage ranks #737 out of 1419 companies in the Banks industry, which is below the industry midpoint. Overall, Builders Capital Mortgage has a GF Score™ of 60/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Builders Capital Mortgage's Debt-to-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, Builders Capital Mortgage ranks #737 out of 1419 companies for Debt-to-Equity. This places Builders Capital Mortgage in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Builders Capital Mortgage's value of 0.62 is 6.9% above this benchmark. Historically, Builders Capital Mortgage's own Debt-to-Equity has ranged from 0.08 to 0.62 over the past decade. While the company's 10-year median is 0.20 vs. the industry median of 0.58, Builders Capital Mortgage has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,419 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Builders Capital Mortgage's current Debt-to-Equity of 0.62 is 6.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Builders Capital Mortgage and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Builders Capital Mortgage's current Debt-to-Equity is 0.62, which is 210% above median its own 10-year median of 0.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Builders Capital Mortgage stock overvalued right now?
Based on GuruFocus' analysis, Builders Capital Mortgage (TSXV:BCF) is currently considered Possible Value Trap. The stock's GF Value™ is C$14.65, compared to a current price of C$9.50 — trading 35.2% below its estimated fair value. The current Debt-to-Equity is 0.62, which is 210% above median its 10-year median of 0.20 and 6.9% above the Banks industry median of 0.58. Builders Capital Mortgage's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Builders Capital Mortgage (TSXV:BCF), the current Debt-to-Equity is 0.62 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Builders Capital Mortgage (TSXV:BCF) Overvalued in 2026?
Based on GuruFocus' analysis, Builders Capital Mortgage stock appears to be undervalued.
The current stock price of C$9.50 is trading 35.2% below its estimated GF Value™ of C$14.65.
GuruFocus considers Builders Capital Mortgage to be Possible Value Trap.
Key valuation signals for TSXV:BCF:
Debt-to-Equity: 0.62 (210% above median its 10-year median of 0.20)
GF Value™: C$14.65 vs. price of C$9.50 (35.2% below fair value)
Industry Position: 6.9% above the Banks median (#737 of 1419)
No single metric tells the full story. See the TSXV:BCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Builders Capital Mortgage Corp is a mortgage lender providing short-term course-of-construction financing to builders of residential, wood-frame properties in Western Canada. The company's business is to acquire, originate and maintain a portfolio consisting of construction mortgages that are secured by development stage residential real property. Its investment objective is to generate attractive returns, relative to risk, to provide stable and consistent distributions to shareholders while remaining focused on capital preservation and satisfying the criteria mandated for mortgage investment corporations.
60GF Score
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