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 does not seem to be growing, but still is valued expensively.
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.
- In the past 5 years AI-DB-D always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of AI-DB-D (5.54%) is better than 73.08% of its industry peers.
- 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.
- 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
- 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.
- AI-DB-D has a Operating Margin of 81.49%. This is amongst the best in the industry. AI-DB-D outperforms 96.15% of its industry peers.
- AI-DB-D's Operating Margin has declined in the last couple of years.
| 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
- 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 8.08. This indicates that AI-DB-D is financially healthy and has little risk of bankruptcy at the moment.
- AI-DB-D has a Altman-Z score of 8.08. This is in the better half 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 of 46.98. This is comparable to the rest of the industry: AI-DB-D outperforms 50.00% of its industry peers.
- A Debt/Equity ratio of 0.59 indicates that AI-DB-D is somewhat dependend on debt financing.
- The Debt to Equity ratio of AI-DB-D (0.59) is better 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.
- The Current ratio of AI-DB-D (0.00) is worse than 92.31% of its industry peers.
- 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.
- The Quick ratio of AI-DB-D (0.00) is worse than 92.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0 | ||
| Quick Ratio | 0 |
3. Growth
3.1 Past
- The earnings per share for AI-DB-D have decreased by -1.90% in the last year.
- 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.
- The Revenue for AI-DB-D has decreased by -13.66% in the past year. This is quite bad
- Measured over the past years, AI-DB-D shows a quite strong growth in Revenue. The Revenue has been growing by 8.01% on average per year.
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.
- 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.
- 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 the industry average as 61.54% of the companies are valued more expensively.
- AI-DB-D's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.21.
- A Price/Forward Earnings ratio of 96.15 indicates a quite expensive valuation of AI-DB-D.
- AI-DB-D's Price/Forward Earnings is on the same level as the industry average.
- When comparing the Price/Forward Earnings ratio of AI-DB-D to the average of the S&P500 Index (24.26), we can say AI-DB-D is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.11 | ||
| Fwd PE | 96.15 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, AI-DB-D is valued a bit more expensive than the industry average as 61.54% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 619.58 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- AI-DB-D has a very decent profitability rating, which 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
- 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 6.56, AI-DB-D pays a bit more dividend than its industry peers.
- 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
- 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.