TSX:FC'
s ROE % 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 ROE % was 9.49%. The lowest was 8.02%. And the median was 8.70%.
TSX:FC's ROE % is ranked worse than 62.9% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs TSX:FC: 8.49
Firm Capital Mortgage Investment (TSX:FC) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Firm Capital Mortgage Investment ROE % Related Terms
Firm Capital Mortgage Investment ROE % 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.
For the Mortgage Finance subindustry, Firm Capital Mortgage Investment's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Firm Capital Mortgage Investment's ROE % distribution charts can be found below:
* The bar in red indicates where Firm Capital Mortgage Investment's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Firm Capital Mortgage Investment (TSX:FC) has a ROE % of 8.10% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total 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 ROE % has ranged from 8.02 to 9.49. According to the industry distribution chart, Firm Capital Mortgage Investment ranks #958 out of 1523 companies in the Banks industry, placing it in the top 62.9%.
Is Firm Capital Mortgage Investment's ROE % too high?
Firm Capital Mortgage Investment's current ROE % 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 ROE % is 10.22. Firm Capital Mortgage Investment's value of 8.10% is 20.7% below this industry median. Based on the distribution chart, Firm Capital Mortgage Investment ranks #958 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 ROE % compare to RKT and FNMA?
According to the Banks industry distribution chart, Firm Capital Mortgage Investment ranks #958 out of 1523 companies for ROE %. This places Firm Capital Mortgage Investment in the lower half of its industry. The industry median ROE % is 10.22. Firm Capital Mortgage Investment's value of 8.10% is 20.7% below this benchmark. Historically, Firm Capital Mortgage Investment's own ROE % 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 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Firm Capital Mortgage Investment's current ROE % of 8.10% is 20.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Firm Capital Mortgage Investment and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Firm Capital Mortgage Investment's current ROE % 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$12.39, compared to a current price of C$12.09 — trading 2.4% below its estimated fair value. The current ROE % is 8.10%, which is near median its 10-year median of 8.70 and 20.7% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Firm Capital Mortgage Investment (TSX:FC), the current ROE % 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$12.09 is trading 2.4% below its estimated GF Value™ of C$12.39.
GuruFocus considers Firm Capital Mortgage Investment to be Fairly Valued.
Key valuation signals for TSX:FC:
ROE %: 8.10% (near median its 10-year median of 8.70)
GF Value™: C$12.39 vs. price of C$12.09 (2.4% below fair value)
Industry Position: 20.7% below the Banks median (#958 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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