ATRIUM MORTGAGE INV CORP (AI-DB-D.CA) Stock Price, Quote, News and Overview
TSX:AI-DB-D - Toronto Stock Exchange - CA04964GAF78 - Currency: CAD
Taking everything into account, AI-DB-D scores 4 out of 10 in our fundamental rating. AI-DB-D was compared to 28 industry peers in the Financial Services industry. Both the profitability and the financial health of AI-DB-D get a neutral evaluation. Nothing too spectacular is happening here. AI-DB-D does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
AI-DB-D had positive earnings in the past year.
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.
In the past 5 years AI-DB-D always reported a positive cash flow from operatings.
1.2 Ratios
AI-DB-D has a Return On Assets of 5.59%. This is in the better half of the industry: AI-DB-D outperforms 78.57% of its industry peers.
Looking at the Return On Equity, with a value of 9.17%, AI-DB-D is in the better half of the industry, outperforming 67.86% of the companies in the same industry.
AI-DB-D has a better Return On Invested Capital (6.45%) than 75.00% of its industry peers.
AI-DB-D had an Average Return On Invested Capital over the past 3 years of 6.60%. This is in line with the industry average of 5.72%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.59% | ||
| ROE | 9.17% | ||
| ROIC | 6.45% |
ROA(3y)5.57%
ROA(5y)5.45%
ROE(3y)9.89%
ROE(5y)9.41%
ROIC(3y)6.6%
ROIC(5y)6%
1.3 Margins
AI-DB-D has a Profit Margin of 50.74%. This is in the better half of the industry: AI-DB-D outperforms 67.86% of its industry peers.
In the last couple of years the Profit Margin of AI-DB-D has declined.
With an excellent Operating Margin value of 76.84%, AI-DB-D belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
AI-DB-D's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 76.84% | ||
| PM (TTM) | 50.74% | ||
| 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
2. Health
2.1 Basic Checks
AI-DB-D has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, AI-DB-D has more shares outstanding
Compared to 1 year ago, AI-DB-D has an improved debt to assets ratio.
2.2 Solvency
AI-DB-D has an Altman-Z score of 8.62. 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 (8.62) is better than 75.00% of its industry peers.
AI-DB-D has a debt to FCF ratio of 4.84. This is a neutral value as AI-DB-D would need 4.84 years to pay back of all of its debts.
AI-DB-D has a better Debt to FCF ratio (4.84) than 75.00% of its industry peers.
AI-DB-D has a Debt/Equity ratio of 0.55. 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 0.55. This is in the better half of the industry: AI-DB-D outperforms 60.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.55 | ||
| Debt/FCF | 4.84 | ||
| Altman-Z | 8.62 |
ROIC/WACCN/A
WACCN/A
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: 96.43% of the companies in the same industry are doing better.
AI-DB-D has a Quick 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.
Looking at the Quick ratio, with a value of 0.00, AI-DB-D is doing worse than 96.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0 | ||
| Quick Ratio | 0 |
3. Growth
3.1 Past
AI-DB-D shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.36%.
The Earnings Per Share has been growing slightly by 1.81% on average over the past years.
Looking at the last year, AI-DB-D shows a decrease in Revenue. The Revenue has decreased by -6.02% in the last year.
AI-DB-D shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.01% yearly.
EPS 1Y (TTM)-6.36%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-7.41%
Revenue 1Y (TTM)-6.02%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-12.82%
3.2 Future
AI-DB-D is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.03% yearly.
Based on estimates for the next years, AI-DB-D will show a decrease in Revenue. The Revenue will decrease by -3.66% on average per year.
EPS Next Y0.06%
EPS Next 2Y0.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-7.79%
Revenue Next 2Y-3.66%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 97.28, which means the current valuation is very expensive for AI-DB-D.
AI-DB-D's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.30, AI-DB-D is valued quite expensively.
The Price/Forward Earnings ratio is 95.37, which means the current valuation is very expensive for AI-DB-D.
AI-DB-D's Price/Forward Earnings ratio is in line with the industry average.
AI-DB-D is valuated expensively when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.28 | ||
| Fwd PE | 95.37 |
4.2 Price Multiples
AI-DB-D's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. AI-DB-D is cheaper than 60.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 71.1 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AI-DB-D does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1702.43
PEG (5Y)53.79
EPS Next 2Y0.03%
EPS Next 3YN/A
5. Dividend
5.1 Amount
AI-DB-D has a Yearly Dividend Yield of 8.13%, which is a nice return.
Compared to an average industry Dividend Yield of 7.26, AI-DB-D pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, AI-DB-D pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.13% |
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
88.21% of the earnings are spent on dividend by AI-DB-D. This is not a sustainable payout ratio.
The dividend of AI-DB-D is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP88.21%
EPS Next 2Y0.03%
EPS Next 3YN/A
TSX:AI-DB-D (7/10/2025, 7:00:00 PM)
100.2
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners2.14%
Inst Owner ChangeN/A
Ins Owners5.02%
Ins Owner ChangeN/A
Market Cap4.77B
Analysts84
Price Target117.05 (16.82%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.13% |
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP88.21%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.42%
Min EPS beat(2)-2.91%
Max EPS beat(2)9.75%
EPS beat(4)2
Avg EPS beat(4)0.33%
Min EPS beat(4)-6.51%
Max EPS beat(4)9.75%
EPS beat(8)4
Avg EPS beat(8)-1.16%
EPS beat(12)6
Avg EPS beat(12)-0.74%
EPS beat(16)6
Avg EPS beat(16)-1.27%
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)-3.86%
PT rev (3m)-5.87%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.28 | ||
| Fwd PE | 95.37 | ||
| P/S | 50.69 | ||
| P/FCF | 71.1 | ||
| P/OCF | 71.1 | ||
| P/B | 9.16 | ||
| P/tB | 9.16 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY1.03%
EPS(NY)1.05
Fwd EY1.05%
FCF(TTM)1.41
FCFY1.41%
OCF(TTM)1.41
OCFY1.41%
SpS1.98
BVpS10.94
TBVpS10.94
PEG (NY)1702.43
PEG (5Y)53.79
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.59% | ||
| ROE | 9.17% | ||
| ROCE | 12.3% | ||
| ROIC | 6.45% | ||
| ROICexc | 6.45% | ||
| ROICexgc | 6.45% | ||
| OM | 76.84% | ||
| PM (TTM) | 50.74% | ||
| GM | N/A | ||
| FCFM | 71.29% |
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 Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.55 | ||
| Debt/FCF | 4.84 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.27 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 140.5% | ||
| Current Ratio | 0 | ||
| Quick Ratio | 0 | ||
| Altman-Z | 8.62 |
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)-6.36%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-7.41%
EPS Next Y0.06%
EPS Next 2Y0.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.02%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-12.82%
Revenue Next Year-7.79%
Revenue Next 2Y-3.66%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.75%
EBIT growth 3Y10.77%
EBIT growth 5Y5.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y10.31%
FCF growth 3Y0.12%
FCF growth 5Y7.25%
OCF growth 1Y10.31%
OCF growth 3Y0.12%
OCF growth 5Y7.25%