ATRIUM MORTGAGE INV CORP (AI-DB-D.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:AI-DB-D - CA04964GAF78
100.02 CAD
+0.01 (+0.01%)
Overall AI-DB-D gets a fundamental rating of 3 out of 10. We evaluated AI-DB-D against 28 industry peers in the Financial Services industry. There are concerns on the financial health of AI-DB-D while its profitability can be described as average. AI-DB-D has a expensive valuation and it also scores bad on growth.
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.
- Each year in the past 5 years AI-DB-D has been profitable.
- AI-DB-D had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of AI-DB-D (5.54%) is better than 73.08% of its industry peers.
- The Return On Equity of AI-DB-D (9.41%) is better than 80.77% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 6.08%, AI-DB-D belongs to the top of the industry, outperforming 84.62% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for AI-DB-D is in line with the industry average of 7.80%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.54% | ||
| ROE | 9.41% | ||
| ROIC | 6.08% |
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 57.12%. This is amongst the best in the industry. AI-DB-D outperforms 88.46% of its industry peers.
- AI-DB-D's Profit Margin has declined in the last couple of years.
- With an excellent Operating Margin value of 81.49%, AI-DB-D belongs to the best of the industry, outperforming 96.15% of the companies in the same industry.
- In the last couple of years the Operating Margin of AI-DB-D has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 81.49% | ||
| PM (TTM) | 57.12% | ||
| 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
- Compared to 1 year ago, AI-DB-D has more shares outstanding
- Compared to 5 years ago, AI-DB-D has more shares outstanding
- AI-DB-D has a better debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 8.08 indicates that AI-DB-D is not in any danger for bankruptcy at the moment.
- AI-DB-D's Altman-Z score of 8.08 is fine compared to the rest of the industry. AI-DB-D outperforms 65.38% of its industry peers.
- The Debt to FCF ratio of AI-DB-D is 46.98, which is on the high side as it means it would take AI-DB-D, 46.98 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 46.98, AI-DB-D perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
- A Debt/Equity ratio of 0.59 indicates that AI-DB-D is somewhat dependend on debt financing.
- AI-DB-D has a better Debt to Equity ratio (0.59) than 61.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 46.98 | ||
| Altman-Z | 8.08 |
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: 92.31% 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.
- AI-DB-D's Quick ratio of 0.00 is on the low side compared to the rest of the industry. AI-DB-D is outperformed by 92.31% of its industry peers.
| 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 -1.90%.
- 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.
- Looking at the last year, AI-DB-D shows a very negative growth in Revenue. The Revenue has decreased by -13.66% in the last year.
- The Revenue has been growing by 8.01% on average over the past years. This is quite good.
EPS 1Y (TTM)-1.9%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-3.85%
Revenue 1Y (TTM)-13.66%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-14.18%
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 0.34% yearly.
- Based on estimates for the next years, AI-DB-D will show a decrease in Revenue. The Revenue will decrease by -6.94% on average per year.
EPS Next Y-0.43%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
EPS Next 5YN/A
Revenue Next Year-12.76%
Revenue Next 2Y-6.94%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 97.11, the valuation of AI-DB-D can be described as expensive.
- Based on the Price/Earnings ratio, AI-DB-D is valued a bit cheaper than 61.54% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.30. AI-DB-D is valued rather expensively when compared to this.
- A Price/Forward Earnings ratio of 96.15 indicates a quite expensive valuation of 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.
- AI-DB-D is valuated expensively when we compare the Price/Forward Earnings ratio to 24.32, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.11 | ||
| Fwd PE | 96.15 |
4.2 Price Multiples
- 61.54% of the companies in the same industry are cheaper than AI-DB-D, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 619.58 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The decent profitability rating of AI-DB-D may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)53.7
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
5. Dividend
5.1 Amount
- AI-DB-D has a Yearly Dividend Yield of 8.03%, which is a nice return.
- AI-DB-D's Dividend Yield is a higher than the industry average which is at 6.56.
- Compared to an average S&P500 Dividend Yield of 1.82, AI-DB-D pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.03% |
5.2 History
- The dividend of AI-DB-D has a limited annual growth rate of 3.99%.
- AI-DB-D does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)3.99%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 88.11% of the earnings are spent on dividend by AI-DB-D. This is not a sustainable payout ratio.
- AI-DB-D's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP88.11%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
ATRIUM MORTGAGE INV CORP / AI-DB-D.CA FAQ
Can you provide the ChartMill fundamental rating for ATRIUM MORTGAGE INV CORP?
ChartMill assigns a fundamental rating of 3 / 10 to AI-DB-D.CA.
What is the valuation status for AI-DB-D stock?
ChartMill assigns a valuation rating of 1 / 10 to ATRIUM MORTGAGE INV CORP (AI-DB-D.CA). This can be considered as Overvalued.
How profitable is ATRIUM MORTGAGE INV CORP (AI-DB-D.CA) stock?
ATRIUM MORTGAGE INV CORP (AI-DB-D.CA) has a profitability rating of 6 / 10.
Can you provide the financial health for AI-DB-D stock?
The financial health rating of ATRIUM MORTGAGE INV CORP (AI-DB-D.CA) is 3 / 10.
Can you provide the expected EPS growth for AI-DB-D stock?
The Earnings per Share (EPS) of ATRIUM MORTGAGE INV CORP (AI-DB-D.CA) is expected to decline by -0.43% in the next year.