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Builders Capital MortgageTSXV:BCF +0.51%61 OCF Margin % is 368.85% as of Dec. 2025, which is 383% above its 10-year median of 76.36. GuruFocus rates TSXV:BCF with a GF Score™ of 61/100 and a GF Value™ of C$14.22 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 1,500 Banks companies, Builders Capital Mortgage ranks better than 82.13% on this metric.
* 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: OCF Margin % Comparison
For the Mortgage Finance subindustry, Builders Capital Mortgage's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Builders Capital Mortgage's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Builders Capital Mortgage's OCF Margin % 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 OCF Margin % of 368.85% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Builders Capital Mortgage and its competitors. This is 383% above median its historical median of 76.36. According to the industry distribution chart, Builders Capital Mortgage ranks #268 out of 1500 companies in the Banks industry, placing it in the top 17.9%.
Is Builders Capital Mortgage's OCF Margin % too high?
Builders Capital Mortgage's current OCF Margin % of 368.85% is 383% above median its 10-year median of 76.36. The Banks industry median OCF Margin % is 29.45. Builders Capital Mortgage's value of 368.85% is 1152.5% above this industry median. Based on the distribution chart, Builders Capital Mortgage ranks #268 out of 1500 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Builders Capital Mortgage has a GF Score™ of 61/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Builders Capital Mortgage's OCF Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Builders Capital Mortgage ranks #268 out of 1500 companies for OCF Margin %. This places Builders Capital Mortgage in the top 18% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.45. Builders Capital Mortgage's value of 368.85% is 1152.5% above this benchmark. While the company's 10-year median is 76.36 vs. the industry median of 29.45, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.45, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Builders Capital Mortgage's current OCF Margin % of 368.85% is 1152.5% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Builders Capital Mortgage and its competitors. For the Banks industry, the median OCF Margin % is 29.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Builders Capital Mortgage's current OCF Margin % is 368.85%, which is 383% above median its own 10-year median of 76.36. 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$14.22, compared to a current price of C$9.90 — trading 30.4% below its estimated fair value. The current OCF Margin % is 368.85%, which is 383% above median its 10-year median of 76.36 and 1152.5% above the Banks industry median of 29.45. Builders Capital Mortgage's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Builders Capital Mortgage (TSXV:BCF), the current OCF Margin % is 368.85% 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$9.90 is trading 30.4% below its estimated GF Value™ of C$14.22.
GuruFocus considers Builders Capital Mortgage to be Possible Value Trap.
Key valuation signals for TSXV:BCF:
OCF Margin %: 368.85% (383% above median its 10-year median of 76.36)
GF Value™: C$14.22 vs. price of C$9.90 (30.4% below fair value)
Industry Position: 1152.5% above the Banks median (#268 of 1500)
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.
61GF Score
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