ATRIUM MORTGAGE INV CORP (AI-DB-F.CA) Stock Overview
Canada - TSX:AI-DB-F - CA04964GAH35
97.62 CAD
-1.17 (-1.18%)
AI-DB-F gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 29 industry peers in the Financial Services industry. There are concerns on the financial health of AI-DB-F while its profitability can be described as average. AI-DB-F does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year AI-DB-F was profitable.
In the past year AI-DB-F had a positive cash flow from operations.
In the past 5 years AI-DB-F has always been profitable.
In the past 5 years AI-DB-F always reported a positive cash flow from operatings.
1.2 Ratios
AI-DB-F's Return On Assets of 5.48% is fine compared to the rest of the industry. AI-DB-F outperforms 68.97% of its industry peers.
AI-DB-F has a better Return On Equity (9.40%) than 72.41% of its industry peers.
Looking at the Return On Invested Capital, with a value of 6.07%, AI-DB-F is in the better half of the industry, outperforming 79.31% 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 5.62%.
| 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
AI-DB-F's Profit Margin of 54.60% is fine compared to the rest of the industry. AI-DB-F outperforms 68.97% of its industry peers.
In the last couple of years the Profit Margin of AI-DB-F has declined.
AI-DB-F has a better Operating Margin (79.88%) than 89.66% 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
The number of shares outstanding for AI-DB-F has been increased compared to 1 year ago.
Compared to 5 years ago, AI-DB-F has more shares outstanding
The debt/assets ratio for AI-DB-F has been reduced compared to a year ago.
2.2 Solvency
AI-DB-F has an Altman-Z score of 7.50. This indicates that AI-DB-F is financially healthy and has little risk of bankruptcy at the moment.
AI-DB-F's Altman-Z score of 7.50 is fine compared to the rest of the industry. AI-DB-F outperforms 68.97% of its industry peers.
The Debt to FCF ratio of AI-DB-F is 50.47, which is on the high side as it means it would take AI-DB-F, 50.47 years of fcf income to pay off all of its debts.
AI-DB-F has a Debt to FCF ratio (50.47) which is comparable to the rest of the industry.
AI-DB-F has a Debt/Equity ratio of 0.63. This is a neutral value indicating AI-DB-F is somewhat dependend on debt financing.
AI-DB-F's Debt to Equity ratio of 0.63 is fine compared to the rest of the industry. AI-DB-F outperforms 62.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 50.47 | ||
| Altman-Z | 7.5 |
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.
The Current ratio of AI-DB-F (0.00) is worse than 93.10% 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's Quick ratio of 0.00 is on the low side compared to the rest of the industry. AI-DB-F is outperformed by 93.10% 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.
The Earnings Per Share has been growing slightly by 1.81% on average over the past years.
AI-DB-F shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.99%.
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.
The Revenue is expected to decrease by -7.43% on average over the next years.
EPS Next Y-2.4%
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
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
With a Price/Earnings ratio of 93.87, AI-DB-F can be considered very expensive at the moment.
AI-DB-F's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.20. AI-DB-F is valued rather expensively when compared to this.
With a Price/Forward Earnings ratio of 95.25, AI-DB-F can be considered very expensive at the moment.
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 22.70.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 93.87 | ||
| Fwd PE | 95.25 |
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 68.97% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 633.57 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)51.91
EPS Next 2Y-1.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.98%, AI-DB-F is a good candidate for dividend investing.
AI-DB-F's Dividend Yield is a higher than the industry average which is at 6.71.
Compared to an average S&P500 Dividend Yield of 2.38, AI-DB-F pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.98% |
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 (9/16/2025, 7:00:00 PM)
97.62
-1.17 (-1.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners2.14%
Inst Owner ChangeN/A
Ins Owners5.02%
Ins Owner ChangeN/A
Market Cap4.65B
Analysts84
Price Target112.39 (15.13%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.98% |
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)0.88%
PT rev (3m)-3.37%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.85%
EPS NY rev (1m)-2.45%
EPS NY rev (3m)-2.45%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.13%
Revenue NY rev (3m)-5.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 93.87 | ||
| Fwd PE | 95.25 | ||
| P/S | 51.54 | ||
| P/FCF | 633.57 | ||
| P/OCF | 633.57 | ||
| P/B | 8.88 | ||
| P/tB | 8.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.04
EY1.07%
EPS(NY)1.02
Fwd EY1.05%
FCF(TTM)0.15
FCFY0.16%
OCF(TTM)0.15
OCFY0.16%
SpS1.89
BVpS11
TBVpS11
PEG (NY)N/A
PEG (5Y)51.91
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%
ROICexcg growth 3Y10.01%
ROICexcg 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 | 7.5 |
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-2.4%
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%