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

TSX:AI-DB-D • CA04964GAF78

100.02 CAD
+0.01 (+0.01%)
Last: Dec 23, 2025, 07:00 PM
Overview Stock Chart Technical Analysis News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to AI-DB-D. AI-DB-D was compared to 27 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.


Dividend Valuation Growth Profitability Health

6

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.
  • In the past 5 years AI-DB-D has always been profitable.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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.
  • AI-DB-D has a Return On Equity of 9.41%. This is amongst the best in the industry. AI-DB-D outperforms 80.77% of its industry peers.
  • AI-DB-D has a better Return On Invested Capital (6.08%) than 84.62% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for AI-DB-D is in line with the industry average of 8.08%.
Industry RankSector 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%
AI-DB-D.CA Yearly ROA, ROE, ROICAI-DB-D.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • The Profit Margin of AI-DB-D (57.12%) is better than 88.46% of its industry peers.
  • In the last couple of years the Profit Margin of AI-DB-D has declined.
  • Looking at the Operating Margin, with a value of 81.49%, AI-DB-D belongs to the top of the industry, outperforming 96.15% of the companies in the same industry.
  • AI-DB-D's Operating Margin has declined in the last couple of years.
Industry RankSector 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
AI-DB-D.CA Yearly Profit, Operating, Gross MarginsAI-DB-D.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, AI-DB-D has more shares outstanding
  • AI-DB-D has more shares outstanding than it did 5 years ago.
  • 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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.
  • AI-DB-D has a Debt to FCF ratio (46.98) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.59 indicates that AI-DB-D is somewhat dependend on debt financing.
  • AI-DB-D's Debt to Equity ratio of 0.59 is fine compared to the rest of the industry. AI-DB-D outperforms 61.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 46.98
Altman-Z 8.08
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • The earnings per share for AI-DB-D have decreased by -1.90% in the last year.
  • The Earnings Per Share has been growing slightly by 1.81% on average over the past years.
  • The Revenue for AI-DB-D has decreased by -13.66% in the past year. This is quite bad
  • 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)-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

  • The Earnings Per Share is expected to grow by 0.34% on average over the next years.
  • 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.
AI-DB-D.CA Yearly Revenue VS EstimatesAI-DB-D.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 97.11, which means the current valuation is very expensive for AI-DB-D.
  • AI-DB-D's Price/Earnings ratio is a bit cheaper when compared to the industry. AI-DB-D is cheaper than 61.54% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.27. AI-DB-D is valued rather expensively when compared to this.
  • With a Price/Forward Earnings ratio of 96.15, 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.
  • When comparing the Price/Forward Earnings ratio of AI-DB-D to the average of the S&P500 Index (28.16), we can say AI-DB-D is valued expensively.
Industry RankSector Rank
PE 97.11
Fwd PE 96.15
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

  • 61.54% of the companies in the same industry are cheaper than AI-DB-D, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 619.58
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.
PEG (NY)N/A
PEG (5Y)53.7
EPS Next 2Y-0.46%
EPS Next 3Y0.34%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 8.03%, AI-DB-D is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 5.63, AI-DB-D pays a bit more dividend than its industry peers.
  • AI-DB-D's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
Industry RankSector 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

  • 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%
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 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

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ATRIUM MORTGAGE INV CORP

TSX:AI-DB-D (12/23/2025, 7:00:00 PM)

100.02

+0.01 (+0.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-12
Earnings (Next)03-04
Inst Owners1.9%
Inst Owner ChangeN/A
Ins Owners4.99%
Ins Owner ChangeN/A
Market Cap4.78B
Revenue(TTM)86.81M
Net Income(TTM)49.59M
Analysts84
Price Target119.31 (19.29%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.03%
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP88.11%
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)2
Avg EPS beat(4)3.29%
Min EPS beat(4)-2.91%
Max EPS beat(4)9.75%
EPS beat(8)4
Avg EPS beat(8)1.74%
EPS beat(12)6
Avg EPS beat(12)-0.04%
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)0%
PT rev (3m)4.86%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4%
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)0.11%
Valuation
Industry RankSector Rank
PE 97.11
Fwd PE 96.15
P/S 55.08
P/FCF 619.58
P/OCF 619.58
P/B 9.07
P/tB 9.07
EV/EBITDA N/A
EPS(TTM)1.03
EY1.03%
EPS(NY)1.04
Fwd EY1.04%
FCF(TTM)0.16
FCFY0.16%
OCF(TTM)0.16
OCFY0.16%
SpS1.82
BVpS11.02
TBVpS11.02
PEG (NY)N/A
PEG (5Y)53.7
Graham Number15.98
Profitability
Industry RankSector Rank
ROA 5.54%
ROE 9.41%
ROCE 8.49%
ROIC 6.08%
ROICexc 6.08%
ROICexgc 6.08%
OM 81.49%
PM (TTM) 57.12%
GM N/A
FCFM 8.89%
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%
ROICexgc growth 3Y10.01%
ROICexgc 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 0.59
Debt/FCF 46.98
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 3.5
Cash Conversion N/A
Profit Quality 15.56%
Current Ratio 0
Quick Ratio 0
Altman-Z 8.08
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)-1.9%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-3.85%
EPS Next Y-0.43%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
EPS Next 5YN/A
Revenue 1Y (TTM)-13.66%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-14.18%
Revenue Next Year-12.76%
Revenue Next 2Y-6.94%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.86%
EBIT growth 3Y10.77%
EBIT growth 5Y5.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-90.05%
FCF growth 3Y0.12%
FCF growth 5Y7.25%
OCF growth 1Y-90.05%
OCF growth 3Y0.12%
OCF growth 5Y7.25%

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.