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ATRIUM MORTGAGE INV CORP (AI-DB-D.CA) Stock Overview

Canada - TSX:AI-DB-D - CA04964GAF78

100.3 CAD
+0.17 (+0.17%)
Last: 9/16/2025, 7:00:00 PM
Fundamental Rating

3

AI-DB-D gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 29 industry peers in the Financial Services industry. While AI-DB-D is still in line with the averages on profitability rating, there are concerns on its financial health. AI-DB-D is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

In the past year AI-DB-D was profitable.
AI-DB-D had a positive operating cash flow in the past year.
AI-DB-D had positive earnings in each of the past 5 years.
Each year in the past 5 years AI-DB-D had a positive operating cash flow.
AI-DB-D.CA Yearly Net Income VS EBIT VS OCF VS FCFAI-DB-D.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

1.2 Ratios

The Return On Assets of AI-DB-D (5.48%) is better than 65.52% of its industry peers.
AI-DB-D has a Return On Equity of 9.40%. This is in the better half of the industry: AI-DB-D outperforms 68.97% of its industry peers.
AI-DB-D's Return On Invested Capital of 6.07% is fine compared to the rest of the industry. AI-DB-D outperforms 75.86% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for AI-DB-D is in line with the industry average of 5.62%.
Industry RankSector Rank
ROA 5.48%
ROE 9.4%
ROIC 6.07%
ROA(3y)5.57%
ROA(5y)5.45%
ROE(3y)9.89%
ROE(5y)9.41%
ROIC(3y)6.6%
ROIC(5y)6%
AI-DB-D.CA Yearly ROA, ROE, ROICAI-DB-D.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a decent Profit Margin value of 54.60%, AI-DB-D is doing good in the industry, outperforming 65.52% of the companies in the same industry.
In the last couple of years the Profit Margin of AI-DB-D has declined.
AI-DB-D has a Operating Margin of 79.88%. This is amongst the best in the industry. AI-DB-D outperforms 86.21% of its industry peers.
In the last couple of years the Operating Margin of AI-DB-D has declined.
Industry RankSector Rank
OM 79.88%
PM (TTM) 54.6%
GM N/A
OM growth 3Y-3.53%
OM growth 5Y-2.36%
PM growth 3Y-8.89%
PM growth 5Y-3.33%
GM growth 3YN/A
GM growth 5YN/A
AI-DB-D.CA Yearly Profit, Operating, Gross MarginsAI-DB-D.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

2

2. Health

2.1 Basic Checks

Compared to 1 year ago, AI-DB-D has more shares outstanding
The number of shares outstanding for AI-DB-D has been increased compared to 5 years ago.
AI-DB-D has a better debt/assets ratio than last year.
AI-DB-D.CA Yearly Shares OutstandingAI-DB-D.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
AI-DB-D.CA Yearly Total Debt VS Total AssetsAI-DB-D.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

AI-DB-D has an Altman-Z score of 7.61. This indicates that AI-DB-D is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of AI-DB-D (7.61) is better than 72.41% of its industry peers.
AI-DB-D has a debt to FCF ratio of 50.47. This is a negative value and a sign of low solvency as AI-DB-D would need 50.47 years to pay back of all of its debts.
The Debt to FCF ratio of AI-DB-D (50.47) is worse than 62.07% of its industry peers.
AI-DB-D has a Debt/Equity ratio of 0.63. This is a neutral value indicating AI-DB-D is somewhat dependend on debt financing.
AI-DB-D has a Debt to Equity ratio of 0.63. This is comparable to the rest of the industry: AI-DB-D outperforms 58.62% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.63
Debt/FCF 50.47
Altman-Z 7.61
ROIC/WACCN/A
WACCN/A
AI-DB-D.CA Yearly LT Debt VS Equity VS FCFAI-DB-D.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.3 Liquidity

AI-DB-D has a Current Ratio of 0.00. This is a bad value and indicates that AI-DB-D is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Current ratio value of 0.00, AI-DB-D is not doing good in the industry: 96.55% of the companies in the same industry are doing better.
A Quick Ratio of 0.00 indicates that AI-DB-D may have some problems paying its short term obligations.
The Quick ratio of AI-DB-D (0.00) is worse than 96.55% of its industry peers.
Industry RankSector Rank
Current Ratio 0
Quick Ratio 0
AI-DB-D.CA Yearly Current Assets VS Current LiabilitesAI-DB-D.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2

3. Growth

3.1 Past

The earnings per share for AI-DB-D have decreased by 0.00% in the last year.
Measured over the past 5 years, AI-DB-D shows a small growth in Earnings Per Share. The EPS has been growing by 1.81% on average per year.
The Revenue for AI-DB-D has decreased by -10.99% in the past year. This is quite bad
The Revenue has been growing by 8.01% on average over the past years. This is quite good.
EPS 1Y (TTM)0%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%3.85%
Revenue 1Y (TTM)-10.99%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-15.02%

3.2 Future

Based on estimates for the next years, AI-DB-D will show a decrease in Earnings Per Share. The EPS will decrease by -1.20% on average per year.
AI-DB-D is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.43% yearly.
EPS Next Y-2.4%
EPS Next 2Y-1.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-12.85%
Revenue Next 2Y-7.43%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
AI-DB-D.CA Yearly Revenue VS EstimatesAI-DB-D.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
AI-DB-D.CA Yearly EPS VS EstimatesAI-DB-D.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

1

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 96.44, the valuation of AI-DB-D can be described as expensive.
AI-DB-D's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of AI-DB-D to the average of the S&P500 Index (27.41), we can say AI-DB-D is valued expensively.
The Price/Forward Earnings ratio is 97.87, which means the current valuation is very expensive for AI-DB-D.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AI-DB-D is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.88, AI-DB-D is valued quite expensively.
Industry RankSector Rank
PE 96.44
Fwd PE 97.87
AI-DB-D.CA Price Earnings VS Forward Price EarningsAI-DB-D.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, AI-DB-D is valued a bit more expensive than 72.41% of the companies in the same industry.
Industry RankSector Rank
P/FCF 650.96
EV/EBITDA N/A
AI-DB-D.CA Per share dataAI-DB-D.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)53.33
EPS Next 2Y-1.2%
EPS Next 3YN/A

4

5. Dividend

5.1 Amount

AI-DB-D has a Yearly Dividend Yield of 7.98%, which is a nice return.
AI-DB-D's Dividend Yield is a higher than the industry average which is at 6.71.
AI-DB-D's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 7.98%

5.2 History

The dividend of AI-DB-D has a limited annual growth rate of 3.99%.
AI-DB-D is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)3.99%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

86.84% of the earnings are spent on dividend by AI-DB-D. This is not a sustainable payout ratio.
AI-DB-D's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP86.84%
EPS Next 2Y-1.2%
EPS Next 3YN/A
AI-DB-D.CA Yearly Income VS Free CF VS DividendAI-DB-D.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
AI-DB-D.CA Dividend Payout.AI-DB-D.CA Dividend Payout, showing the Payout Ratio.AI-DB-D.CA Dividend Payout.PayoutRetained Earnings

ATRIUM MORTGAGE INV CORP

TSX:AI-DB-D (9/16/2025, 7:00:00 PM)

100.3

+0.17 (+0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-07 2025-08-07/amc
Earnings (Next)11-11 2025-11-11
Inst Owners2.14%
Inst Owner ChangeN/A
Ins Owners5.02%
Ins Owner ChangeN/A
Market Cap4.78B
Analysts84
Price Target113.78 (13.44%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.98%
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP86.84%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.16%
Min EPS beat(2)-2.91%
Max EPS beat(2)9.22%
EPS beat(4)3
Avg EPS beat(4)4.26%
Min EPS beat(4)-2.91%
Max EPS beat(4)9.75%
EPS beat(8)4
Avg EPS beat(8)-0.45%
EPS beat(12)7
Avg EPS beat(12)0.28%
EPS beat(16)7
Avg EPS beat(16)-0.64%
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-2.79%
PT rev (3m)-6.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.85%
EPS NY rev (1m)-2.45%
EPS NY rev (3m)-2.45%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.13%
Revenue NY rev (3m)-5.49%
Valuation
Industry RankSector Rank
PE 96.44
Fwd PE 97.87
P/S 52.96
P/FCF 650.96
P/OCF 650.96
P/B 9.12
P/tB 9.12
EV/EBITDA N/A
EPS(TTM)1.04
EY1.04%
EPS(NY)1.02
Fwd EY1.02%
FCF(TTM)0.15
FCFY0.15%
OCF(TTM)0.15
OCFY0.15%
SpS1.89
BVpS11
TBVpS11
PEG (NY)N/A
PEG (5Y)53.33
Profitability
Industry RankSector Rank
ROA 5.48%
ROE 9.4%
ROCE 12.2%
ROIC 6.07%
ROICexc 6.07%
ROICexgc 6.07%
OM 79.88%
PM (TTM) 54.6%
GM N/A
FCFM 8.14%
ROA(3y)5.57%
ROA(5y)5.45%
ROE(3y)9.89%
ROE(5y)9.41%
ROIC(3y)6.6%
ROIC(5y)6%
ROICexc(3y)6.6%
ROICexc(5y)6%
ROICexgc(3y)6.6%
ROICexgc(5y)6%
ROCE(3y)11.59%
ROCE(5y)9.78%
ROICexcg growth 3Y10.01%
ROICexcg growth 5Y4.11%
ROICexc growth 3Y10.01%
ROICexc growth 5Y4.11%
OM growth 3Y-3.53%
OM growth 5Y-2.36%
PM growth 3Y-8.89%
PM growth 5Y-3.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 0.63
Debt/FCF 50.47
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 2.92
Cash Conversion N/A
Profit Quality 14.9%
Current Ratio 0
Quick Ratio 0
Altman-Z 7.61
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)139.29%
Profit Quality(5y)144.86%
High Growth Momentum
Growth
EPS 1Y (TTM)0%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%3.85%
EPS Next Y-2.4%
EPS Next 2Y-1.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.99%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-15.02%
Revenue Next Year-12.85%
Revenue Next 2Y-7.43%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-2.16%
EBIT growth 3Y10.77%
EBIT growth 5Y5.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-88.7%
FCF growth 3Y0.12%
FCF growth 5Y7.25%
OCF growth 1Y-88.7%
OCF growth 3Y0.12%
OCF growth 5Y7.25%