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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Builders Capital Mortgage has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Builders Capital Mortgage Corp displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Builders Capital Mortgage's Interest Coverage for the quarter that ended in Jun. 2026 was 3.36.
Builders Capital Mortgage's debt to revenue ratio for the quarter that ended in Jun. 2026 was 1.46.
Altman Z-Score does not apply to banks and insurance companies.
Builders Capital Mortgage (TSXV:BCF) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Builders Capital Mortgage has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Builders Capital Mortgage Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 Financial Strength of 2 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Builders Capital Mortgage and its competitors. This is 50% below median its historical median of 4.00. Over the past decade, Builders Capital Mortgage's Financial Strength has ranged from 2.00 to 9.00.
Is Builders Capital Mortgage's Financial Strength too high?
Builders Capital Mortgage's current Financial Strength of 2 is 50% below median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 9.00. Overall, Builders Capital Mortgage has a GF Score™ of 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Builders Capital Mortgage's Financial Strength compare to RKT and FNMA?
Builders Capital Mortgage's Financial Strength of 2 can be compared against companies in the Banks industry. Historically, Builders Capital Mortgage's own Financial Strength has ranged from 2.00 to 9.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Builders Capital Mortgage and its competitors. Builders Capital Mortgage's current Financial Strength is 2, which is 50% below median its own 10-year median of 4.00. 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 Significantly Undervalued. The stock's GF Value™ is C$15.12, compared to a current price of C$9.75 — trading 35.5% below its estimated fair value. The current Financial Strength is 2, which is 50% below median its 10-year median of 4.00. Builders Capital Mortgage's overall GF Score™ is 56/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Builders Capital Mortgage (TSXV:BCF), the current Financial Strength is 2 as of Jun. 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 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$9.75 is trading 35.5% below its estimated GF Value™ of C$15.12.
GuruFocus considers Builders Capital Mortgage to be Significantly Undervalued.
Key valuation signals for TSXV:BCF:
Financial Strength: 2 (50% below median its 10-year median of 4.00)
GF Value™: C$15.12 vs. price of C$9.75 (35.5% below fair value)
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.
56GF Score
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