Firm Capital Mortgage Investment Corporation, through its mortgage banker, Firm Capital Corporation, provides residential and commercial short-term bridge, and conventional real estate finance in Canada. It engages in originating, funding, purchasing, and servicing mortgage investments. The company also offers mortgage services, such as real estate financing, real estate investment financing, capital market, and loan servicing and advisory services; and a line of lending programs, including construction and development lending, investment property financing, short term lending, bridge finance, mezzanine and equity investments, capital market facilities, residential and non-conventional house lending, and condominium capital improvement loans, as well as special situation loans. In addition, it provides related investment services. The company was founded in 1988 and is based in Toronto, Canada.

Firm Capital Mortgage Investment Corporation

Firm Capital operates as a boutique real estate capital bank, providing mortgage banking services, real estate investments, private equity, and alternative credit services. This is self-described.

Firm Capital

Firm Capital Organization | 5,672 followers on LinkedIn. A Real Estate Capital Bank  | Since 1988, Firm Capital Organization, through its various affiliates, operates as a boutique alternative private equity real estate firm with proprietary capital in partnership with various capital pools, partnerships, private and public equity funds, deploying capital opportunistically between debt and equity in the real estate private and public markets. Firm Capital’s public entities include Firm Capital Mortgage Investment Corporation (TSX : FC), Firm Capital Property Trust (TSX : FCD.UN) and Firm Capital Apartment Real Estate Investment Trust (TSXV:FCA.U.V)

Managing Director, Mortgages and Private Capital at Firm Capital Organization

Akiva Aronson

Senior Portfolio Accountant at Firm Capital Corporation

Natalia Goldshtein, CPA CGA

Mortgage Financing for Builder & Developer Projects | Mortgage Investment Corporation | Construction Financing

Michael Carragher

Finance Leader driving growth in Non-Bank Lending, Mortgage, and Fintech Industries. Skilled in Sales, Relationship Building,Lending, Broker Network…

Danny Andonovsky, BA

Firm Capital Organization

FIRM CAPITAL MORTGAGE INVESTMENT CORPORATION (TSX: FC) - ANNOUNCES Q3/2024 RESULTS For more information, visit: https://lnkd.in/gCF7dNZQ or contact: Eli Dadouch President & Chief Executive Officer E: edadouch@firmcapital.com Sandy Poklar CPA, CA, CPA (Illinois), ICD.D EVP & Managing Director, Finance E: spoklar@firmcapital.com Ryan M. Lim, CPA, CA Chief Financial Officer E: rlim@firmcapital.com Victoria Moayedi Director, Investor Relations & Compliance Officer T: 416-635-0221 x 270 | E: ir@firmcapital.com #investing #investornews #investorrelations #TSX #mortgage #realestate #finance #mortgageinvestmentcorporation

FC Mortgage completed a $1,000,000 first mortgage bridge loan on eleven one-bedroom apartment units located in Hamilton, Ontario. FC Mortgage is a direct-to-consumer retail residential mortgage lending platform, providing first and second mortgages, refinancings, as well as lines of credit, including funding for the mortgage brokerage industry. FC Mortgage is the residential funding affiliate of Firm Capital Mortgage Investment Corporation, public on the TSX since 1999. Its lending and administrative activities are managed by Firm Capital Corporation (“FCC”). For financing inquiries, please contact: FC Mortgage T: 416-635-0221 | E: info@fcmortgages.ca For more information on our lending programs, visit: www.fcmortgages.ca #FirmCapital #residentialloan #alternativelender #nonbanklender #financingsolutions #FCMortgage #constructionloan

Firm Capital's COO Sandy Poklar CPA, CA, CPA (Illinois), ICD.D served as a speaker at the Summit for Asset Management Toronto yesterday. Thank you to TSAM – The Summit for Asset Management organizing this event and thank you to everyone who attended Sandy’s panel and fireside chat sessions and stopped by to say hello to him! The discussions during the panel on the private credit boom and the fireside chat on commercial and residential property investments were enlightening. For more information, please visit https://firmcapital.com #FoxonMedia #investing #finance #realestate #speaker #TSAM #TSAMToronto #AssetManagement

FC Mortgage completed a $1,260,000 first mortgage bridge loan on a 53’ x 217’ lot currently improved with a 1,248 sq. ft. single family home located in Toronto, Ontario. FC Mortgage is a direct-to-consumer retail residential mortgage lending platform, providing first and second mortgages, refinancings, as well as lines of credit, including funding for the mortgage brokerage industry. FC Mortgage is the residential funding affiliate of Firm Capital Mortgage Investment Corporation, public on the TSX since 1999. Its lending and administrative activities are managed by Firm Capital Corporation (“FCC”). For financing inquiries, please contact: FC Mortgage T: 416-635-0221 | E: info@fcmortgages.ca For more information on our lending programs, visit: www.fcmortgages.ca #FirmCapital #residentialloan #alternativelender #nonbanklender #financingsolutions #FCMortgage #constructionloan

SPEAKER ANNOUNCEMENT: Sandy Poklar will be a speaker at the Summit for Asset Management Toronto hosted by Foxon Media on Monday, November 4, 2024 from 8:00 AM to 6:30 PM (ET) at the Shangri-La Hotel Toronto, 188 University Avenue, Toronto, ON M5H 0A3, Canada. Please visit Sandy Poklar at the event as he will be a speaker for the following sessions: - Panel Discussion @ 1:45 - 2:30 PM (ET): The private credit boom – Is the 60/40 rule still fit for purpose with the rise of debt markets in portfolios? - Fireside Chat @ 3:45 - 4:15 PM (ET): The real estate focus – Aligning commercial and residential property investments with diversification and liquidity goals Sandy Poklar CPA, CA, CPA (Illinois), ICD.D is currently the Chief Operating Officer and Managing Director, Capital Markets & Strategic Developments for Firm Capital Organization, EVP Finance for Firm Capital Mortgage Investment Corporation (FC : TSX), Chief Financial Officer and a Trustee for Firm Capital Property Trust (FCD.UN : TSX) and President & CEO of Firm Capital Apartment REIT (FCA.U/FCA.UN : TSXV). Register Now: https://lnkd.in/dcRpUR4a #FoxonMedia #investing #finance #realestate #speaker #TSAM #TSAMToronto #AssetManagement

FC Private Equity Realty Management Corp. and Telsec Property Corporation Reject “Take Under” Offer for Melcor REIT and Announce All-Cash Mini-Tender Offer For more information, please contact: Sandy Poklar CPA, CA, CPA (Illinois), ICD.D Chief Operating Officer T: 416-635-0221 | E: ir@firmcapital.com For further information regarding the Tender Offer, please contact: Shorecrest Group Ltd. North American Toll-Free:1-888-637-5789 Calls outside North America: 647-931-7454 Email: contact@shorecrestgroup.com

Firm Capital completed a $3,000,000 second mortgage construction loan for 75’ x 88’ lot to be improved with a 6,316 sq. ft. custom home located in Toronto, Ontario. Firm Capital Corporation specializes in mortgage financing and offers a broad range of lending programs including construction financing for condominium projects, bridge financing, secondary debt on investment properties, infill construction financing and alternative residential mortgages. We offer competitive rates and fees and have the ability to provide immediate approvals and commitments. For over 35 years we have been committed to structuring creative transactions (small, medium or large) that meet the needs of our borrower clients. For financing inquiries, please contact: Firm Capital T: 416-635-0221 | E: mortgages@firmcapital.com For more information on our lending programs, visit: www.firmcapital.com #FirmCapital #nonbanklender #lowriseconstructionfinancing #condominiumconstructionfinancing #landfinancing #bridgeloans #alternativelender #realestatefinancingsolutions #secondarydebtinvestmentproperties

Firm Capital Commercial Properties Q3/2024 Retail Property Report For more information on properties available for lease, please contact: Elana Quinn Director, National Leasing Email: equinn@firmcapital.com Phone: (416)635-0221 Ext. 349 #realestate #properties #propertynews #forlease #propertiesavailableforlease #retail #retailreport

Attention all Mortgage Professionals and Realtors! Contact me to take advantage of this limited time offer or to discuss any other financing needs have. #mortgage , #residential , #mortgagebrokers , #realtors , #ratespecial

FC Mortgage completed a $1,300,000 second mortgage construction loan on a 50’ x 132’ lot to be improved with a 4,450 sq. ft. custom home located in Toronto, Ontario. FC Mortgage is a direct-to-consumer retail residential mortgage lending platform, providing first and second mortgages, refinancings, as well as lines of credit, including funding for the mortgage brokerage industry. FC Mortgage is the residential funding affiliate of Firm Capital Mortgage Investment Corporation, public on the TSX since 1999. Its lending and administrative activities are managed by Firm Capital Corporation (“FCC”). For financing inquiries, please contact: FC Mortgage T: 416-635-0221 | E: info@fcmortgages.ca For more information on our lending programs, visit: www.fcmortgages.ca #FirmCapital #residentialloan #alternativelender #nonbanklender #financingsolutions #FCMortgage #constructionloan

Metric
Company Name	Firm Capital Mortgage Investment Corporation
Symbol	FC
MSH ID	COM:FIRMCAPITAL
Market	STOCKS
Sector	Financial Services
Industry	Financial - Mortgages
Country	CA
Stage
Employee Count	1
Website	firmcapital.com/fcmic
LinkedIn	firm-capital-organization
Founders

Metric
Market Cap	271.98M
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue	50.86M
Revenue (LTM)
Revenue (NTM)
Gross Profit	47.43M
EBITDA	42.14M
Operating Income	42.14M
Net Income	24.17M
EPS	0.70
Diluted EPS	0.69
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.93
Operating Profit Margin	0.88
EBITDA Margin	0.83
Net Profit Margin	0.67
Return on Equity	0.09
Return on Assets	0.06
Return on Capital Employed	0.10

TSX:FC

Firm Capital

Last Close

11.56

22/11 21:00

Market Cap

384.56M

Beta: 0.94

Volume Today

73.49K

Avg: 25.51K

PE Ratio

11.29

PFCF: 6.15

Dividend Yield

8.95%

Payout:96.98%

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	11.29
P/B Ratio	0.95
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	7.82
EV Multiple	5.60

Metric
Days Sales Outstanding	39.40
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle	39.40
Cash Conversion Cycle	37.74
Asset Turnover	0.10

Metric
Operating Cash Flow	35.42M
Free Cash Flow	35.42M
Cash Flow to Debt	0.33
Operating Cash Flow/Sales	1.24
Free Cash Flow Yield	0.16

Metric
Cash & Equivalents	6.63M
Accounts Receivable	-1.59M
Inventory
Goodwill
Debt to Capitalization	0.37
Debt to Assets	0.34
Current Ratio	1.87
Quick Ratio	4.85

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.01
R&D to Revenue
SG&A to Revenue	0.05