ATRIUM MORTGAGE INV CORP (AI-DB-F.CA) Stock Overview
Canada - TSX:AI-DB-F - CA04964GAH35
99.88 CAD
-0.1 (-0.1%)
We assign a fundamental rating of 3 out of 10 to AI-DB-F. AI-DB-F was compared to 28 industry peers in the Financial Services industry. While AI-DB-F is still in line with the averages on profitability rating, there are concerns on its financial health. AI-DB-F has a expensive valuation and it also scores bad on growth.
1. Profitability
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.
Each year in the past 5 years AI-DB-F has been profitable.
Each year in the past 5 years AI-DB-F had a positive operating cash flow.
1.2 Ratios
AI-DB-F has a Return On Assets of 5.48%. This is in the better half of the industry: AI-DB-F outperforms 75.00% of its industry peers.
Looking at the Return On Equity, with a value of 9.40%, AI-DB-F is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
With an excellent Return On Invested Capital value of 6.07%, AI-DB-F belongs to the best of the industry, outperforming 89.29% 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 4.85%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.48% | ||
| ROE | 9.4% | ||
| ROIC | 6.07% |
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-F (54.60%) is better than 71.43% of its industry peers.
AI-DB-F's Profit Margin has declined in the last couple of years.
The Operating Margin of AI-DB-F (79.88%) is better than 96.43% of its industry peers.
AI-DB-F's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 79.88% | ||
| PM (TTM) | 54.6% | ||
| 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
AI-DB-F has more shares outstanding than it did 1 year ago.
The number of shares outstanding for AI-DB-F has been increased compared to 5 years ago.
AI-DB-F has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 7.58 indicates that AI-DB-F is not in any danger for bankruptcy at the moment.
AI-DB-F's Altman-Z score of 7.58 is fine compared to the rest of the industry. AI-DB-F outperforms 64.29% of its industry peers.
AI-DB-F has a debt to FCF ratio of 50.47. This is a negative value and a sign of low solvency as AI-DB-F would need 50.47 years to pay back of all of its debts.
AI-DB-F has a Debt to FCF ratio (50.47) which is in line with its industry peers.
A Debt/Equity ratio of 0.63 indicates that AI-DB-F is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.63, AI-DB-F is doing good in the industry, outperforming 67.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 50.47 | ||
| Altman-Z | 7.58 |
ROIC/WACCN/A
WACCN/A
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.
Looking at the Current ratio, with a value of 0.00, AI-DB-F is doing worse than 89.29% of the companies in the same industry.
A Quick Ratio of 0.00 indicates that AI-DB-F may have some problems paying its short term obligations.
AI-DB-F has a worse Quick ratio (0.00) than 89.29% 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-F have decreased by 0.00% in the last year.
AI-DB-F shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.81% yearly.
The Revenue for AI-DB-F has decreased by -10.99% in the past year. This is quite bad
Measured over the past years, AI-DB-F shows a quite strong growth in Revenue. The Revenue has been growing by 8.01% on average per year.
EPS 1Y (TTM)0%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%3.85%
Revenue 1Y (TTM)-10.99%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-15.02%
3.2 Future
The Earnings Per Share is expected to decrease by -1.20% on average over the next years.
Based on estimates for the next years, AI-DB-F will show a decrease in Revenue. The Revenue will decrease by -7.43% on average per year.
EPS Next Y-0.43%
EPS Next 2Y-1.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-12.85%
Revenue Next 2Y-7.43%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
The Price/Earnings ratio is 96.04, which means the current valuation is very expensive for AI-DB-F.
The rest of the industry has a similar Price/Earnings ratio as AI-DB-F.
AI-DB-F is valuated expensively when we compare the Price/Earnings ratio to 26.89, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 97.46, AI-DB-F can be considered very expensive at the moment.
The rest of the industry has a similar Price/Forward Earnings ratio as AI-DB-F.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.99, AI-DB-F is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 96.04 | ||
| Fwd PE | 97.46 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AI-DB-F is valued a bit more expensive than the industry average as 60.71% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 648.23 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The decent profitability rating of AI-DB-F may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)53.11
EPS Next 2Y-1.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
AI-DB-F has a Yearly Dividend Yield of 8.07%, which is a nice return.
AI-DB-F's Dividend Yield is a higher than the industry average which is at 6.60.
AI-DB-F's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.07% |
5.2 History
The dividend of AI-DB-F has a limited annual growth rate of 3.99%.
AI-DB-F 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
86.84% of the earnings are spent on dividend by AI-DB-F. This is not a sustainable payout ratio.
The Dividend Rate of AI-DB-F has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP86.84%
EPS Next 2Y-1.2%
EPS Next 3YN/A
TSX:AI-DB-F (10/23/2025, 7:00:00 PM)
99.88
-0.1 (-0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.73%
Inst Owner ChangeN/A
Ins Owners5%
Ins Owner ChangeN/A
Market Cap4.76B
Revenue(TTM)90.29M
Net Income(TTM)49.30M
Analysts84
Price Target111.41 (11.54%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.07% |
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP86.84%
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)3
Avg EPS beat(4)4.26%
Min EPS beat(4)-2.91%
Max EPS beat(4)9.75%
EPS beat(8)4
Avg EPS beat(8)-0.45%
EPS beat(12)7
Avg EPS beat(12)0.28%
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)-0.86%
PT rev (3m)0.8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.49%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 96.04 | ||
| Fwd PE | 97.46 | ||
| P/S | 52.73 | ||
| P/FCF | 648.23 | ||
| P/OCF | 648.23 | ||
| P/B | 9.08 | ||
| P/tB | 9.08 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.04
EY1.04%
EPS(NY)1.02
Fwd EY1.03%
FCF(TTM)0.15
FCFY0.15%
OCF(TTM)0.15
OCFY0.15%
SpS1.89
BVpS11
TBVpS11
PEG (NY)N/A
PEG (5Y)53.11
Graham Number16.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.48% | ||
| ROE | 9.4% | ||
| ROCE | 12.2% | ||
| ROIC | 6.07% | ||
| ROICexc | 6.07% | ||
| ROICexgc | 6.07% | ||
| OM | 79.88% | ||
| PM (TTM) | 54.6% | ||
| GM | N/A | ||
| FCFM | 8.14% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 50.47 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 2.92 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 14.9% | ||
| Current Ratio | 0 | ||
| Quick Ratio | 0 | ||
| Altman-Z | 7.58 |
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)0%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%3.85%
EPS Next Y-0.43%
EPS Next 2Y-1.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.99%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-15.02%
Revenue Next Year-12.85%
Revenue Next 2Y-7.43%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-2.16%
EBIT growth 3Y10.77%
EBIT growth 5Y5.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-88.7%
FCF growth 3Y0.12%
FCF growth 5Y7.25%
OCF growth 1Y-88.7%
OCF growth 3Y0.12%
OCF growth 5Y7.25%
ATRIUM MORTGAGE INV CORP / AI-DB-F.CA FAQ
What does AI-DB-F do?
Atrium Mortgage Investment Corp. engages in the provision of financing solutions in both the commercial and residential real estate sectors. The company is headquartered in Toronto, Ontario and currently employs 0 full-time employees. The company went IPO on 2012-09-04. The Company’s mortgages are secured by all types of residential, multi-residential and commercial real estate located in Canada. Its investment objectives are to provide its shareholders with stable and secure dividends and preserve shareholders’ equity by lending within conservative risk parameters. The company provides a range of lending, which includes land and development financing, construction and mezzanine financing, commercial term and bridge financing, and residential mortgages. The company invests in various categories of mortgages, such as house and apartment, low-rise residential, construction, high-rise residential, mid-rise residential, commercial and condominium corporations. The firm is managed by Canadian Mortgage Capital Corporation.
Can you provide the latest stock price for ATRIUM MORTGAGE INV CORP?
The current stock price of AI-DB-F.CA is 99.88 CAD. The price decreased by -0.1% in the last trading session.
What is the ChartMill rating of ATRIUM MORTGAGE INV CORP stock?
AI-DB-F.CA has a ChartMill Technical rating of 6 out of 10 and a ChartMill Fundamental rating of 3 out of 10.
Should I buy AI-DB-F stock?
This depends on your investment goals. Check the Technical and Fundamental Analysis tabs for insights on AI-DB-F.CA.