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

TSX:AI-DB-F • CA04964GAH35

Current stock price

100.25 CAD
+0.24 (+0.24%)
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

  • AI-DB-F had positive earnings in the past year.
  • 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

  • The Return On Assets of AI-DB-F (5.54%) is better than 75.00% of its industry peers.
  • With a decent Return On Equity value of 9.41%, AI-DB-F is doing good in 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.
  • AI-DB-F's Profit Margin has declined in the last couple of years.
  • The Operating Margin of AI-DB-F (81.49%) is better than 96.88% of its industry peers.
  • AI-DB-F'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-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

  • AI-DB-F has an Altman-Z score of 8.13. This indicates that AI-DB-F is financially healthy and has little risk of bankruptcy at the moment.
  • AI-DB-F has a Altman-Z score of 8.13. This is in the better half of the industry: AI-DB-F outperforms 78.13% of its industry peers.
  • The Debt to FCF ratio of AI-DB-F is 46.98, which is on the high side as it means it would take AI-DB-F, 46.98 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of AI-DB-F (46.98) 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.
  • The Debt to Equity ratio of AI-DB-F (0.59) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 46.98
Altman-Z 8.13
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.
  • AI-DB-F has a worse Quick ratio (0.00) 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%.
  • AI-DB-F shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.09% yearly.
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

  • AI-DB-F is valuated quite expensively with a Price/Earnings ratio of 98.28.
  • AI-DB-F's Price/Earnings ratio is in line with the industry average.
  • AI-DB-F's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.23.
  • A Price/Forward Earnings ratio of 96.85 indicates a quite expensive valuation of AI-DB-F.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of AI-DB-F is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of AI-DB-F to the average of the S&P500 Index (23.28), we can say AI-DB-F is valued expensively.
Industry RankSector Rank
PE 98.28
Fwd PE 96.85
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of AI-DB-F indicates a slightly more expensive valuation: AI-DB-F is more expensive than 65.63% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 623.09
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)66.17
PEG (5Y)47.14
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.
  • Compared to an average industry Dividend Yield of 5.91, AI-DB-F pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, 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 (3/17/2026, 7:00:00 PM)

100.25

+0.24 (+0.24%)

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 Cap4.81B
Revenue(TTM)N/A
Net Income(TTM)49.59M
Analysts84
Price Target111.52 (11.24%)
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 98.28
Fwd PE 96.85
P/S 55.39
P/FCF 623.09
P/OCF 623.09
P/B 9.13
P/tB 9.13
EV/EBITDA N/A
EPS(TTM)1.02
EY1.02%
EPS(NY)1.04
Fwd EY1.03%
FCF(TTM)0.16
FCFY0.16%
OCF(TTM)0.16
OCFY0.16%
SpS1.81
BVpS10.99
TBVpS10.99
PEG (NY)66.17
PEG (5Y)47.14
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 8.13
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.