Firm Capital Mortgage Investment (TSX:FC) Moat Score: 3/10 (As of Jun. 30, 2026)


TSX:FC Firm Capital Mortgage Investment Corp TSX:FC
63 GF Score
Price C$12.23
GF Value C$12.40
Valuation Fairly Valued
! 4 Warning Signs
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What is Firm Capital Mortgage Investment Moat Score?

Firm Capital Mortgage Investment TSX:FC +0.82% 63 Moat Score is 3 as of Jun. 30, 2026. GuruFocus rates TSX:FC with a GF Score™ of 63/100 and a GF Value™ of C$12.40 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,613 Banks companies, Firm Capital Mortgage Investment ranks better than 74.52% on this metric.

Firm Capital Mortgage Investment has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Firm Capital Mortgage Investment has No Moat: Firm Capital Mortgage Investment Corp operates in a competitive mortgage market with limited differentiation. It lacks significant brand strength, customer loyalty, or regulatory advantages, resulting in a weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Firm Capital Mortgage Investment might have No Moat - Very weak/transient advantages.

Firm Capital Mortgage Investment  (TSX:FC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Firm Capital Mortgage Investment Moat Score Related Terms

TSX:FC vs RKT, FNMA, PFSI: Moat Score Comparison

For the Mortgage Finance subindustry, Firm Capital Mortgage Investment's Moat Score, along with its competitors' market caps and Moat Score 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.

Firm Capital Mortgage Investment Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Firm Capital Mortgage Investment's Moat Score distribution charts can be found below:

* The bar in red indicates where Firm Capital Mortgage Investment's Moat Score falls into.


TSX:FC
63GF Score
Firm Capital Mortgage Investment Corp TSX:FC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Firm Capital Mortgage Investment (TSX:FC) has a Moat Score of 3 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Firm Capital Mortgage Investment ranks #411 out of 1613 companies in the Banks industry, placing it in the top 25.5%.
Is Firm Capital Mortgage Investment's Moat Score too high?
Firm Capital Mortgage Investment's current Moat Score is 3. Based on the distribution chart, Firm Capital Mortgage Investment ranks #411 out of 1613 companies in the Banks industry, which is above the industry midpoint. Overall, Firm Capital Mortgage Investment has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Firm Capital Mortgage Investment's Moat Score compare to RKT and FNMA?
According to the Banks industry distribution chart, Firm Capital Mortgage Investment ranks #411 out of 1613 companies for Moat Score. This puts Firm Capital Mortgage Investment in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Firm Capital Mortgage Investment's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Firm Capital Mortgage Investment stock overvalued right now?
Based on GuruFocus' analysis, Firm Capital Mortgage Investment (TSX:FC) is currently considered Fairly Valued. The stock's GF Value™ is C$12.40, compared to a current price of C$12.23 — trading 1.4% below its estimated fair value. The current Moat Score is 3. Firm Capital Mortgage Investment's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Firm Capital Mortgage Investment (TSX:FC), the current Moat Score is 3 as of Jun. 30, 2026. 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 Firm Capital Mortgage Investment (TSX:FC) Overvalued in 2026?

Based on GuruFocus' analysis, Firm Capital Mortgage Investment stock appears to be undervalued. The current stock price of C$12.23 is trading 1.4% below its estimated GF Value™ of C$12.40. GuruFocus considers Firm Capital Mortgage Investment to be Fairly Valued.

Key valuation signals for TSX:FC:

  • Moat Score: 3
  • GF Value™: C$12.40 vs. price of C$12.23 (1.4% below fair value)
  • GF Score™: 63/100 with 4 warning signs

No single metric tells the full story. See the TSX:FC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Firm Capital Mortgage Investment Business Description

Other Exchanges FCMGF:USA74X:Germany
Address 163 Cartwright Avenue, Toronto, ON, CAN, M6A 1V5
Firm Capital Mortgage Investment Corp is a Canadian financial provider. It acts as a non-bank lender providing residential and commercial short-term bridge and conventional real estate financing, including construction, mezzanine, and equity investments. The company provides construction, equity, and conventional real estate finance for residential houses, small multi-family residential properties, mixed-use residential, and others to the builder, developer, and real estate owner marketplace, along with a high level of personal service to real estate investors. Also, it provides loan servicing, asset management, and related investment services. The company's revenue comprises Interest and fee income and commission fees arising from Canada and the United States.
63GF Score

Get the complete analysis for TSX:FC

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

C$12.23
Price
C$12.40
GF Value