0.07 | 0.71%
FIRSTCITY FINANCIAL CORP's gross profit margin for the fourth quarter of its fiscal year 2012 has significantly decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased, representing a decrease to the bottom line.
During the same period, stockholders' equity ("net worth") has increased by 14.96% from the same quarter last year.
| Income Statement | Q4 FY12 | Q4 FY11 |
|---|---|---|
| Net Sales ($mil) | 17.69 | 16.37 |
| EBITDA ($mil) | -3.23 | 1.07 |
| EBIT ($mil) | -4.2 | 0.48 |
| Net Income ($mil) | -0.28 | 15.33 |
| Balance Sheet | Q4 FY12 | Q4 FY11 |
|---|---|---|
| Cash & Equiv. ($mil) | 41.1 | 36.03 |
| Total Assets ($mil) | 244.64 | 356.35 |
| Total Debt ($mil) | 76.95 | 189.94 |
| Equity ($mil) | 128.73 | 111.98 |
| Profitability | Q4 FY12 | Q4 FY11 |
|---|---|---|
| Gross Profit Margin | -18.28 | 6.52 |
| EBITDA Margin | -18.27 | 6.51 |
| Operating Margin | -23.77 | 2.96 |
| Sales Turnover | 0.29 | 0.21 |
| Return on Assets | 5.86 | 6.79 |
| Return on Equity | 11.13 | 21.62 |
| Debt | Q4 FY12 | Q4 FY11 |
|---|---|---|
| Current Ratio | 0.0 | 0.0 |
| Debt/Capital | 0.37 | 0.63 |
| Interest Expense | 1.13 | 3.24 |
| Interest Coverage | -3.73 | 0.15 |
| Share Data | Q4 FY12 | Q4 FY11 |
|---|---|---|
| Shares outstanding (mil) | 10.56 | 10.39 |
| Div / share | 0.0 | 0.0 |
| EPS | -0.03 | 1.47 |
| Book value / share | 12.19 | 10.78 |
| Institutional Own % | n/a | n/a |
| Avg Daily Volume | 24528.0 | 76599.0 |
HOLD. FIRSTCITY FINANCIAL CORP's P/E ratio indicates a significant discount compared to an average of 29.22 for the Capital Markets industry and a significant discount compared to the S&P 500 average of 19.08. Conducting a second comparison, its price-to-book ratio of 0.81 indicates a significant discount versus the S&P 500 average of 2.44 and a discount versus the industry average of 1.93. The price-to-sales ratio is similar to the S&P 500 average, but it is significantly below the industry average, indicating a discount. Upon assessment of these and other key valuation criteria, FIRSTCITY FINANCIAL CORP proves to trade at a discount to investment alternatives within the industry.
| Price/Earnings |
|
Price/Cash Flow |
| |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FCFC 7.29 | Peers 29.22 | FCFC 2.38 | Peers 25.79 | |||||||||||||||||||||
|
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations. FCFC is trading at a significant discount to its peers. |
Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures. FCFC is trading at a significant discount to its peers. |
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| Price/Projected Earnings |
|
Price to Earnings/Growth |
|
|||||||||||||||||||||
| FCFC NA | Peers 21.33 | FCFC NA | Peers 1.53 | |||||||||||||||||||||
|
Neutral. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth potential. Ratio not available. |
Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples. Ratio not available. |
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| Price/Book |
|
Earnings Growth |
|
|||||||||||||||||||||
| FCFC 0.81 | Peers 1.93 | FCFC -41.64 | Peers 57.19 | |||||||||||||||||||||
|
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. FCFC is trading at a significant discount to its peers. |
Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. However, FCFC is expected to significantly trail its peers on the basis of its earnings growth rate. |
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| Price/Sales |
|
Sales Growth |
|
|||||||||||||||||||||
| FCFC 1.48 | Peers 5.73 | FCFC -5.03 | Peers 11.79 | |||||||||||||||||||||
|
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales. FCFC is trading at a significant discount to its industry on this measurement. |
Lower. A sales growth rate that trails the industry implies that a company is losing market share. FCFC significantly trails its peers on the basis of sales growth |
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