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%)
AI-DB-D gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals 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
- 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.
- Each year in the past 5 years AI-DB-D had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 5.54%, AI-DB-D is in the better half of the industry, outperforming 73.08% of the companies in the same industry.
- With an excellent Return On Equity value of 9.41%, AI-DB-D belongs to the best of the industry, outperforming 80.77% of the companies in the same industry.
- The Return On Invested Capital of AI-DB-D (6.08%) is better than 84.62% 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 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.
- In the last couple of years the Profit Margin of AI-DB-D has declined.
- 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
- The number of shares outstanding for AI-DB-D has been increased compared to 1 year ago.
- The number of shares outstanding for AI-DB-D has been increased compared to 5 years ago.
- The debt/assets ratio for AI-DB-D has been reduced compared to a year ago.
2.2 Solvency
- AI-DB-D has an Altman-Z score of 8.08. This indicates that AI-DB-D is financially healthy and has little risk of bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 8.08, AI-DB-D is in the better half of the industry, outperforming 65.38% of the companies in the same industry.
- AI-DB-D has a debt to FCF ratio of 46.98. This is a negative value and a sign of low solvency as AI-DB-D would need 46.98 years to pay back of 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.
- With a decent Debt to Equity ratio value of 0.59, AI-DB-D is doing good in the industry, outperforming 61.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 46.98 | ||
| Altman-Z | 8.08 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- A Current Ratio of 0.00 indicates that AI-DB-D may have some problems paying 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.
- 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.
- AI-DB-D has a worse Quick ratio (0.00) than 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
- Based on estimates for the next years, AI-DB-D will show a small growth in Earnings Per Share. The EPS will grow by 0.34% on average per year.
- The Revenue is expected to decrease by -6.94% on average over the next years.
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.
- 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
- With a Price/Earnings ratio of 97.11, AI-DB-D can be considered very expensive at the moment.
- Compared to the rest of the industry, the Price/Earnings ratio of AI-DB-D indicates a somewhat cheap valuation: AI-DB-D is cheaper than 61.54% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of AI-DB-D to the average of the S&P500 Index (28.82), we can say AI-DB-D is valued expensively.
- With a Price/Forward Earnings ratio of 96.15, AI-DB-D can be considered very expensive at the moment.
- 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 25.95, 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
- AI-DB-D's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. AI-DB-D is more expensive than 61.54% of the companies in the same industry.
| 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 5.64.
- 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 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
- AI-DB-D pays out 88.11% of its income as dividend. 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.
DP88.11%
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.