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

TSX:AI-DB-D - Toronto Stock Exchange - CA04964GAF78 - Currency: CAD

100  -0.46 (-0.46%)

Fundamental Rating

4

AI-DB-D gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 32 industry peers in the Financial Services industry. AI-DB-D has a medium profitability rating, but doesn't score so well on its financial health evaluation. AI-DB-D has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year AI-DB-D was profitable.
In the past year AI-DB-D had a positive cash flow from operations.
In the past 5 years AI-DB-D has always been profitable.
In the past 5 years AI-DB-D always reported a positive cash flow from operatings.
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 20M 40M 60M

1.2 Ratios

Looking at the Return On Assets, with a value of 5.20%, AI-DB-D is in line with its industry, outperforming 59.38% of the companies in the same industry.
AI-DB-D has a Return On Equity of 9.53%. This is in the better half of the industry: AI-DB-D outperforms 65.63% of its industry peers.
AI-DB-D has a Return On Invested Capital of 6.01%. This is in the better half of the industry: AI-DB-D outperforms 68.75% of its industry peers.
AI-DB-D had an Average Return On Invested Capital over the past 3 years of 5.78%. This is in line with the industry average of 5.84%.
The 3 year average ROIC (5.78%) for AI-DB-D is below the current ROIC(6.01%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 5.2%
ROE 9.53%
ROIC 6.01%
ROA(3y)5.52%
ROA(5y)5.39%
ROE(3y)9.77%
ROE(5y)9.25%
ROIC(3y)5.78%
ROIC(5y)5.6%
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 2 4 6 8 10

1.3 Margins

AI-DB-D has a better Profit Margin (46.77%) than 62.50% of its industry peers.
AI-DB-D's Profit Margin has declined in the last couple of years.
AI-DB-D has a Operating Margin of 73.96%. This is amongst the best in the industry. AI-DB-D outperforms 84.38% of its industry peers.
AI-DB-D's Operating Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 73.96%
PM (TTM) 46.77%
GM N/A
OM growth 3Y-1.12%
OM growth 5Y-1.38%
PM growth 3Y-4.66%
PM growth 5Y-2.04%
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 20 40 60 80

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3

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.
AI-DB-D.CA Yearly Shares OutstandingAI-DB-D.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 200M 400M 600M 800M

2.2 Solvency

An Altman-Z score of 7.29 indicates that AI-DB-D is not in any danger for bankruptcy at the moment.
With a decent Altman-Z score value of 7.29, AI-DB-D is doing good in the industry, outperforming 68.75% of the companies in the same industry.
AI-DB-D has a debt to FCF ratio of 4.75. This is a neutral value as AI-DB-D would need 4.75 years to pay back of all of its debts.
AI-DB-D has a Debt to FCF ratio of 4.75. This is comparable to the rest of the industry: AI-DB-D outperforms 46.88% of its industry peers.
A Debt/Equity ratio of 0.80 indicates that AI-DB-D is somewhat dependend on debt financing.
AI-DB-D has a Debt to Equity ratio of 0.80. This is comparable to the rest of the industry: AI-DB-D outperforms 50.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 4.75
Altman-Z 7.29
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 100M 200M 300M 400M

2.3 Liquidity

AI-DB-D has a Current Ratio of 0.01. 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.
AI-DB-D has a Current ratio of 0.01. This is amonst the worse of the industry: AI-DB-D underperforms 96.88% of its industry peers.
A Quick Ratio of 0.01 indicates that AI-DB-D may have some problems paying its short term obligations.
AI-DB-D has a Quick ratio of 0.01. This is amonst the worse of the industry: AI-DB-D underperforms 96.88% of its industry peers.
Industry RankSector Rank
Current Ratio 0.01
Quick Ratio 0.01
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 100M 200M 300M 400M 500M

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2

3. Growth

3.1 Past

AI-DB-D shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -11.02%.
Measured over the past 5 years, AI-DB-D shows a small growth in Earnings Per Share. The EPS has been growing by 3.71% on average per year.
AI-DB-D shows a small growth in Revenue. In the last year, the Revenue has grown by 4.92%.
Measured over the past years, AI-DB-D shows a quite strong growth in Revenue. The Revenue has been growing by 11.07% on average per year.
EPS 1Y (TTM)-11.02%
EPS 3Y7.41%
EPS 5Y3.71%
EPS Q2Q%4%
Revenue 1Y (TTM)4.92%
Revenue growth 3Y14.88%
Revenue growth 5Y11.07%
Sales Q2Q%-3.53%

3.2 Future

The Earnings Per Share is expected to decrease by -3.00% on average over the next years.
AI-DB-D is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -3.69% yearly.
EPS Next Y-6.49%
EPS Next 2Y-2.83%
EPS Next 3Y-3%
EPS Next 5YN/A
Revenue Next Year0.65%
Revenue Next 2Y-3.69%
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

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2

4. Valuation

4.1 Price/Earnings Ratio

AI-DB-D is valuated quite expensively with a Price/Earnings ratio of 95.24.
The rest of the industry has a similar Price/Earnings ratio as AI-DB-D.
The average S&P500 Price/Earnings ratio is at 29.35. AI-DB-D is valued rather expensively when compared to this.
With a Price/Forward Earnings ratio of 92.91, AI-DB-D can be considered very expensive at the moment.
AI-DB-D's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, AI-DB-D is valued quite expensively.
Industry RankSector Rank
PE 95.24
Fwd PE 92.91
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

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of AI-DB-D is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 56.45
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

The decent profitability rating of AI-DB-D may justify a higher PE ratio.
AI-DB-D's earnings are expected to decrease with -3.00% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)25.64
EPS Next 2Y-2.83%
EPS Next 3Y-3%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 8.80%, AI-DB-D is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 8.05, AI-DB-D pays a better dividend. On top of this AI-DB-D pays more dividend than 84.38% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.33, AI-DB-D pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.8%

5.2 History

The dividend of AI-DB-D has a limited annual growth rate of 2.97%.
AI-DB-D is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)2.97%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

96.53% 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.
DP96.53%
EPS Next 2Y-2.83%
EPS Next 3Y-3%
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 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

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ATRIUM MORTGAGE INV CORP

TSX:AI-DB-D (3/3/2025, 7:00:00 PM)

100

-0.46 (-0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-13 2025-02-13/amc
Earnings (Next)05-12 2025-05-12
Inst Owners5.14%
Inst Owner ChangeN/A
Ins Owners4.24%
Ins Owner ChangeN/A
Market Cap4.73B
Analysts84
Price Target124.33 (24.33%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.8%
Yearly Dividend0.97
Dividend Growth(5Y)2.97%
DP96.53%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.77%
Min EPS beat(2)-6.51%
Max EPS beat(2)0.97%
EPS beat(4)2
Avg EPS beat(4)0.19%
Min EPS beat(4)-6.51%
Max EPS beat(4)9.22%
EPS beat(8)4
Avg EPS beat(8)-1.7%
EPS beat(12)5
Avg EPS beat(12)-1.95%
EPS beat(16)6
Avg EPS beat(16)-2.93%
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 95.24
Fwd PE 92.91
P/S 47
P/FCF 56.45
P/OCF 56.45
P/B 9.57
P/tB 9.57
EV/EBITDA N/A
EPS(TTM)1.05
EY1.05%
EPS(NY)1.08
Fwd EY1.08%
FCF(TTM)1.77
FCFY1.77%
OCF(TTM)1.77
OCFY1.77%
SpS2.13
BVpS10.44
TBVpS10.44
PEG (NY)N/A
PEG (5Y)25.64
Profitability
Industry RankSector Rank
ROA 5.2%
ROE 9.53%
ROCE 8.35%
ROIC 6.01%
ROICexc 6.01%
ROICexgc 6.01%
OM 73.96%
PM (TTM) 46.77%
GM N/A
FCFM 83.27%
ROA(3y)5.52%
ROA(5y)5.39%
ROE(3y)9.77%
ROE(5y)9.25%
ROIC(3y)5.78%
ROIC(5y)5.6%
ROICexc(3y)5.78%
ROICexc(5y)5.6%
ROICexgc(3y)5.78%
ROICexgc(5y)5.6%
ROCE(3y)8.02%
ROCE(5y)7.77%
ROICexcg growth 3Y8.55%
ROICexcg growth 5Y4.97%
ROICexc growth 3Y8.55%
ROICexc growth 5Y4.97%
OM growth 3Y-1.12%
OM growth 5Y-1.38%
PM growth 3Y-4.66%
PM growth 5Y-2.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 4.75
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 3.05
Cash Conversion N/A
Profit Quality 178.04%
Current Ratio 0.01
Quick Ratio 0.01
Altman-Z 7.29
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)145.99%
Profit Quality(5y)141.28%
High Growth Momentum
Growth
EPS 1Y (TTM)-11.02%
EPS 3Y7.41%
EPS 5Y3.71%
EPS Q2Q%4%
EPS Next Y-6.49%
EPS Next 2Y-2.83%
EPS Next 3Y-3%
EPS Next 5YN/A
Revenue 1Y (TTM)4.92%
Revenue growth 3Y14.88%
Revenue growth 5Y11.07%
Sales Q2Q%-3.53%
Revenue Next Year0.65%
Revenue Next 2Y-3.69%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.98%
EBIT growth 3Y13.59%
EBIT growth 5Y9.53%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y24.94%
FCF growth 3Y11.08%
FCF growth 5Y13.43%
OCF growth 1Y24.94%
OCF growth 3Y11.08%
OCF growth 5Y13.26%