The historical rank and industry rank for Firm Capital Mortgage Investment's Return-on-Tangible-Equity or its related term are showing as below:
TSX:FC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.02 Med: 8.7 Max: 9.49
Current: 8.49
During the past 13 years, Firm Capital Mortgage Investment's highest Return-on-Tangible-Equity was 9.49%. The lowest was 8.02%. And the median was 8.70%.
TSX:FC's Return-on-Tangible-Equity is ranked worse than 65.92% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs TSX:FC: 8.49
Firm Capital Mortgage Investment (TSX:FC) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Firm Capital Mortgage Investment Return-on-Tangible-Equity Related Terms
Firm Capital Mortgage Investment Return-on-Tangible-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.
Firm Capital Mortgage Investment Return-on-Tangible-Equity Chart
TSX:FC vs RKT, FNMA, PFSI: Return-on-Tangible-Equity Comparison
For the Mortgage Finance subindustry, Firm Capital Mortgage Investment's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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.
Firm Capital Mortgage Investment Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Firm Capital Mortgage Investment's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Firm Capital Mortgage Investment's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 8.10% mean?
Firm Capital Mortgage Investment (TSX:FC) has a Return-on-Tangible-Equity of 8.10% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Firm Capital Mortgage Investment and its competitors. This is near median its historical median of 8.70. Over the past decade, Firm Capital Mortgage Investment's Return-on-Tangible-Equity has ranged from 8.02 to 9.49. According to the industry distribution chart, Firm Capital Mortgage Investment ranks #1004 out of 1523 companies in the Banks industry, placing it in the top 65.9%.
Is Firm Capital Mortgage Investment's Return-on-Tangible-Equity too high?
Firm Capital Mortgage Investment's current Return-on-Tangible-Equity of 8.10% is near median its 10-year median of 8.70. Over the past 10 years, this metric has ranged from a low of 8.02 to a high of 9.49. The Banks industry median Return-on-Tangible-Equity is 11.20. Firm Capital Mortgage Investment's value of 8.10% is 27.7% below this industry median. Based on the distribution chart, Firm Capital Mortgage Investment ranks #1004 out of 1523 companies in the Banks industry, which is below 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 Return-on-Tangible-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, Firm Capital Mortgage Investment ranks #1004 out of 1523 companies for Return-on-Tangible-Equity. This places Firm Capital Mortgage Investment in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Firm Capital Mortgage Investment's value of 8.10% is 27.7% below this benchmark. Historically, Firm Capital Mortgage Investment's own Return-on-Tangible-Equity has ranged from 8.02 to 9.49 over the past decade. While the company's 10-year median is 8.70 vs. the industry median of 11.20, Firm Capital Mortgage Investment has consistently been below 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Firm Capital Mortgage Investment's current Return-on-Tangible-Equity of 8.10% is 27.7% below 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Firm Capital Mortgage Investment and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Firm Capital Mortgage Investment's current Return-on-Tangible-Equity is 8.10%, which is near median its own 10-year median of 8.70. 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$12.44, compared to a current price of C$12.14 — trading 2.4% below its estimated fair value. The current Return-on-Tangible-Equity is 8.10%, which is near median its 10-year median of 8.70 and 27.7% below the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Firm Capital Mortgage Investment (TSX:FC), the current Return-on-Tangible-Equity is 8.10% as of Mar. 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$12.14 is trading 2.4% below its estimated GF Value™ of C$12.44.
GuruFocus considers Firm Capital Mortgage Investment to be Fairly Valued.
Key valuation signals for TSX:FC:
Return-on-Tangible-Equity: 8.10% (near median its 10-year median of 8.70)
GF Value™: C$12.44 vs. price of C$12.14 (2.4% below fair value)
Industry Position: 27.7% below the Banks median (#1004 of 1523)
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
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
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