ATRIUM MORTGAGE INV CORP (AI-DB-F.CA) Fundamental Analysis & Valuation

TSX:AI-DB-F • CA04964GAH35

Current stock price

100.01 CAD
-0.49 (-0.49%)
Last:

This AI-DB-F.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. AI-DB-F.CA Profitability Analysis

1.1 Basic Checks

  • In the past year AI-DB-F was profitable.
  • AI-DB-F had a positive operating cash flow in the past year.
  • AI-DB-F had positive earnings in 4 of the past 5 years.
  • AI-DB-F had a positive operating cash flow in 4 of the past 5 years.
AI-DB-F.CA Yearly Net Income VS EBIT VS OCF VS FCFAI-DB-F.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

  • With a decent Return On Assets value of 5.54%, AI-DB-F is doing good in the industry, outperforming 75.00% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 9.41%, AI-DB-F is in the better half of the industry, outperforming 78.13% of the companies in the same industry.
  • With an excellent Return On Invested Capital value of 6.08%, AI-DB-F belongs to the best of the industry, outperforming 81.25% of the companies in the same industry.
  • AI-DB-F had an Average Return On Invested Capital over the past 3 years of 6.60%. This is in line with the industry average of 6.74%.
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-F.CA Yearly ROA, ROE, ROICAI-DB-F.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

  • AI-DB-F has a better Profit Margin (57.12%) than 90.63% of its industry peers.
  • In the last couple of years the Profit Margin of AI-DB-F has declined.
  • Looking at the Operating Margin, with a value of 81.49%, AI-DB-F belongs to the top of the industry, outperforming 96.88% of the companies in the same industry.
  • In the last couple of years the Operating Margin of AI-DB-F has declined.
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-F.CA Yearly Profit, Operating, Gross MarginsAI-DB-F.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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3

2. AI-DB-F.CA Health Analysis

2.1 Basic Checks

  • There is no outstanding debt for AI-DB-F. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
AI-DB-F.CA Yearly Shares OutstandingAI-DB-F.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
AI-DB-F.CA Yearly Total Debt VS Total AssetsAI-DB-F.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 8.11 indicates that AI-DB-F is not in any danger for bankruptcy at the moment.
  • AI-DB-F has a better Altman-Z score (8.11) than 78.13% of its industry peers.
  • AI-DB-F has a debt to FCF ratio of 46.98. This is a negative value and a sign of low solvency as AI-DB-F would need 46.98 years to pay back of all of its debts.
  • AI-DB-F 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-F is somewhat dependend on debt financing.
  • AI-DB-F's Debt to Equity ratio of 0.59 is in line compared to the rest of the industry. AI-DB-F outperforms 53.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 46.98
Altman-Z 8.11
ROIC/WACCN/A
WACCN/A
AI-DB-F.CA Yearly LT Debt VS Equity VS FCFAI-DB-F.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

  • AI-DB-F has a Current Ratio of 0.00. This is a bad value and indicates that AI-DB-F is not financially healthy enough and could expect problems in meeting its short term obligations.
  • AI-DB-F has a Current ratio of 0.00. This is amonst the worse of the industry: AI-DB-F underperforms 90.63% of its industry peers.
  • A Quick Ratio of 0.00 indicates that AI-DB-F may have some problems paying its short term obligations.
  • The Quick ratio of AI-DB-F (0.00) is worse than 90.63% of its industry peers.
Industry RankSector Rank
Current Ratio 0
Quick Ratio 0
AI-DB-F.CA Yearly Current Assets VS Current LiabilitesAI-DB-F.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

1

3. AI-DB-F.CA Growth Analysis

3.1 Past

  • AI-DB-F shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.86%.
  • The Earnings Per Share has been growing slightly by 2.09% on average over the past years.
EPS 1Y (TTM)-2.86%
EPS 3Y-1.58%
EPS 5Y2.09%
EPS Q2Q%-3.85%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

  • The Earnings Per Share is expected to grow by 1.99% on average over the next years.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y1.49%
EPS Next 2Y1.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.73%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
AI-DB-F.CA Yearly Revenue VS EstimatesAI-DB-F.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-F.CA Yearly EPS VS EstimatesAI-DB-F.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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1

4. AI-DB-F.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 98.05, the valuation of AI-DB-F can be described as expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of AI-DB-F is on the same level as its industry peers.
  • AI-DB-F is valuated expensively when we compare the Price/Earnings ratio to 25.96, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 96.61 indicates a quite expensive valuation of AI-DB-F.
  • AI-DB-F's Price/Forward Earnings is on the same level as the industry average.
  • AI-DB-F's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 24.04.
Industry RankSector Rank
PE 98.05
Fwd PE 96.61
AI-DB-F.CA Price Earnings VS Forward Price EarningsAI-DB-F.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, AI-DB-F is valued a bit more expensive than 68.75% of the companies in the same industry.
Industry RankSector Rank
P/FCF 621.6
EV/EBITDA N/A
AI-DB-F.CA Per share dataAI-DB-F.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AI-DB-F does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)66.01
PEG (5Y)47.02
EPS Next 2Y1.99%
EPS Next 3YN/A

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

4

5. AI-DB-F.CA Dividend Analysis

5.1 Amount

  • AI-DB-F has a Yearly Dividend Yield of 8.20%, which is a nice return.
  • AI-DB-F's Dividend Yield is a higher than the industry average which is at 6.69.
  • Compared to an average S&P500 Dividend Yield of 1.91, AI-DB-F pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.2%

5.2 History

  • The dividend of AI-DB-F has a limited annual growth rate of 3.99%.
  • AI-DB-F 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

  • 88.11% of the earnings are spent on dividend by AI-DB-F. This is not a sustainable payout ratio.
  • AI-DB-F's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP88.11%
EPS Next 2Y1.99%
EPS Next 3YN/A
AI-DB-F.CA Yearly Income VS Free CF VS DividendAI-DB-F.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-F.CA Dividend Payout.AI-DB-F.CA Dividend Payout, showing the Payout Ratio.AI-DB-F.CA Dividend Payout.PayoutRetained Earnings

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AI-DB-F.CA Fundamentals: All Metrics, Ratios and Statistics

ATRIUM MORTGAGE INV CORP

TSX:AI-DB-F (3/11/2026, 7:00:00 PM)

100.01

-0.49 (-0.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26
Earnings (Next)05-11
Inst Owners2%
Inst Owner ChangeN/A
Ins Owners4.99%
Ins Owner ChangeN/A
Market Cap4.80B
Revenue(TTM)N/A
Net Income(TTM)49.59M
Analysts84
Price Target111.52 (11.51%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.2%
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)-2.4%
PT rev (3m)-4.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
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%
Valuation
Industry RankSector Rank
PE 98.05
Fwd PE 96.61
P/S 55.26
P/FCF 621.6
P/OCF 621.6
P/B 9.1
P/tB 9.1
EV/EBITDA N/A
EPS(TTM)1.02
EY1.02%
EPS(NY)1.04
Fwd EY1.04%
FCF(TTM)0.16
FCFY0.16%
OCF(TTM)0.16
OCFY0.16%
SpS1.81
BVpS10.99
TBVpS10.99
PEG (NY)66.01
PEG (5Y)47.02
Graham Number15.88
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 8.11
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)-2.86%
EPS 3Y-1.58%
EPS 5Y2.09%
EPS Q2Q%-3.85%
EPS Next Y1.49%
EPS Next 2Y1.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year-0.73%
Revenue Next 2YN/A
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-F.CA Fundamental Analysis FAQ

What is the fundamental rating for AI-DB-F stock?

ChartMill assigns a fundamental rating of 3 / 10 to AI-DB-F.CA.


What is the valuation status of ATRIUM MORTGAGE INV CORP (AI-DB-F.CA) stock?

ChartMill assigns a valuation rating of 1 / 10 to ATRIUM MORTGAGE INV CORP (AI-DB-F.CA). This can be considered as Overvalued.


What is the profitability of AI-DB-F stock?

ATRIUM MORTGAGE INV CORP (AI-DB-F.CA) has a profitability rating of 5 / 10.


What is the financial health of ATRIUM MORTGAGE INV CORP (AI-DB-F.CA) stock?

The financial health rating of ATRIUM MORTGAGE INV CORP (AI-DB-F.CA) is 3 / 10.


What is the earnings growth outlook for ATRIUM MORTGAGE INV CORP?

The Earnings per Share (EPS) of ATRIUM MORTGAGE INV CORP (AI-DB-F.CA) is expected to grow by 1.49% in the next year.