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

TSX:AI-DB-F • CA04964GAH35

Current stock price

100.1 CAD
-0.2 (-0.2%)
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.

6

1. AI-DB-F.CA Profitability Analysis

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.
  • Each year in the past 5 years AI-DB-F has been profitable.
  • In the past 5 years AI-DB-F always reported a positive cash flow from operatings.
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 2025 20M 40M 60M

1.2 Ratios

  • The Return On Assets of AI-DB-F (5.49%) is better than 73.33% of its industry peers.
  • Looking at the Return On Equity, with a value of 9.34%, AI-DB-F is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
  • AI-DB-F's Return On Invested Capital of 6.04% is fine compared to the rest of the industry. AI-DB-F outperforms 66.67% of its industry peers.
  • AI-DB-F had an Average Return On Invested Capital over the past 3 years of 6.71%. This is in line with the industry average of 7.43%.
Industry RankSector Rank
ROA 5.49%
ROE 9.34%
ROIC 6.04%
ROA(3y)5.63%
ROA(5y)5.52%
ROE(3y)9.76%
ROE(5y)9.58%
ROIC(3y)6.71%
ROIC(5y)6.19%
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 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of AI-DB-F (57.63%) is better than 90.00% of its industry peers.
  • In the last couple of years the Profit Margin of AI-DB-F has remained more or less at the same level.
  • The Operating Margin of AI-DB-F (81.73%) is better than 96.67% of its industry peers.
  • AI-DB-F's Operating Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 81.73%
PM (TTM) 57.63%
GM N/A
OM growth 3Y-1.92%
OM growth 5Y0.13%
PM growth 3Y-0.85%
PM growth 5Y-0.89%
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 2025 20 40 60 80

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2

2. AI-DB-F.CA Health Analysis

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
  • AI-DB-F has a worse debt/assets ratio than last year.
AI-DB-F.CA Yearly Shares OutstandingAI-DB-F.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200M 400M 600M 800M

2.2 Solvency

  • An Altman-Z score of 8.09 indicates that AI-DB-F is not in any danger for bankruptcy at the moment.
  • With a decent Altman-Z score value of 8.09, AI-DB-F is doing good in the industry, outperforming 76.67% of the companies in the same industry.
  • AI-DB-F has a debt to FCF ratio of 20.51. This is a negative value and a sign of low solvency as AI-DB-F would need 20.51 years to pay back of all of its debts.
  • The Debt to FCF ratio of AI-DB-F (20.51) is comparable to the rest of the industry.
  • AI-DB-F has a Debt/Equity ratio of 0.58. This is a neutral value indicating AI-DB-F is somewhat dependend on debt financing.
  • AI-DB-F has a Debt to Equity ratio (0.58) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.58
Debt/FCF 20.51
Altman-Z 8.09
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 2025 100M 200M 300M 400M 500M

2.3 Liquidity

  • A Current Ratio of 0.00 indicates that AI-DB-F may have some problems paying its short term obligations.
  • AI-DB-F has a worse Current ratio (0.00) than 90.00% of its industry peers.
  • AI-DB-F has a Quick 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 Quick ratio of 0.00. This is amonst the worse of the industry: AI-DB-F underperforms 90.00% 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 2025 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

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.
  • AI-DB-F shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.46%.
  • The Revenue has been growing slightly by 5.54% 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)-12.46%
Revenue growth 3Y2.8%
Revenue growth 5Y5.54%
Sales Q2Q%-7.38%

3.2 Future

  • The Earnings Per Share is expected to grow by 1.99% on average over the next years.
  • The Revenue is expected to grow by 0.09% on average over the next years.
EPS Next Y1.49%
EPS Next 2Y1.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.56%
Revenue Next 2Y0.09%
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 stable.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 2027 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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2

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 98.14.
  • 63.33% of the companies in the same industry are more expensive than AI-DB-F, based on the Price/Earnings ratio.
  • AI-DB-F's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.78.
  • A Price/Forward Earnings ratio of 96.70 indicates a quite expensive valuation of AI-DB-F.
  • The rest of the industry has a similar Price/Forward Earnings ratio as AI-DB-F.
  • When comparing the Price/Forward Earnings ratio of AI-DB-F to the average of the S&P500 Index (23.54), we can say AI-DB-F is valued expensively.
Industry RankSector Rank
PE 98.14
Fwd PE 96.7
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 80 100

4.2 Price Multiples

  • AI-DB-F's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 276.55
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 an expensive valuation of the company.
  • AI-DB-F has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)66.07
PEG (5Y)47.07
EPS Next 2Y1.99%
EPS Next 3YN/A

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5

5. AI-DB-F.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.85%, AI-DB-F is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 5.32, AI-DB-F pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.83, AI-DB-F pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.85%

5.2 History

  • The dividend of AI-DB-F has a limited annual growth rate of 0.16%.
  • AI-DB-F does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)0.16%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • AI-DB-F pays out 90.03% of its income as dividend. This is not a sustainable payout ratio.
  • AI-DB-F's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP90.03%
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 2025 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 (4/9/2026, 7:00:00 PM)

100.1

-0.2 (-0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26
Earnings (Next)05-11
Inst Owners2.17%
Inst Owner ChangeN/A
Ins Owners4.97%
Ins Owner ChangeN/A
Market Cap4.82B
Revenue(TTM)85.14M
Net Income(TTM)49.06M
Analysts84
Price Target112.75 (12.64%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.85%
Yearly Dividend0.93
Dividend Growth(5Y)0.16%
DP90.03%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.78%
Min EPS beat(2)-6.65%
Max EPS beat(2)-2.91%
EPS beat(4)1
Avg EPS beat(4)-0.81%
Min EPS beat(4)-6.65%
Max EPS beat(4)9.22%
EPS beat(8)4
Avg EPS beat(8)1.27%
EPS beat(12)6
Avg EPS beat(12)-0.48%
EPS beat(16)7
Avg EPS beat(16)-0.87%
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%
PT rev (3m)-1.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.5%
EPS NY rev (3m)-0.5%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.3%
Revenue NY rev (3m)1.3%
Valuation
Industry RankSector Rank
PE 98.14
Fwd PE 96.7
P/S 56.4
P/FCF 276.55
P/OCF 276.55
P/B 9.15
P/tB 9.15
EV/EBITDA N/A
EPS(TTM)1.02
EY1.02%
EPS(NY)1.04
Fwd EY1.03%
FCF(TTM)0.36
FCFY0.36%
OCF(TTM)0.36
OCFY0.36%
SpS1.77
BVpS10.95
TBVpS10.95
PEG (NY)66.07
PEG (5Y)47.07
Graham Number15.85
Profitability
Industry RankSector Rank
ROA 5.49%
ROE 9.34%
ROCE 8.4%
ROIC 6.04%
ROICexc 6.04%
ROICexgc 6.04%
OM 81.73%
PM (TTM) 57.63%
GM N/A
FCFM 20.39%
ROA(3y)5.63%
ROA(5y)5.52%
ROE(3y)9.76%
ROE(5y)9.58%
ROIC(3y)6.71%
ROIC(5y)6.19%
ROICexc(3y)6.71%
ROICexc(5y)6.19%
ROICexgc(3y)6.71%
ROICexgc(5y)6.19%
ROCE(3y)11.74%
ROCE(5y)10.05%
ROICexgc growth 3Y1.84%
ROICexgc growth 5Y3.5%
ROICexc growth 3Y1.84%
ROICexc growth 5Y3.5%
OM growth 3Y-1.92%
OM growth 5Y0.13%
PM growth 3Y-0.85%
PM growth 5Y-0.89%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 0.58
Debt/FCF 20.51
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 3.46
Cash Conversion N/A
Profit Quality 35.39%
Current Ratio 0
Quick Ratio 0
Altman-Z 8.09
F-Score4
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)109.31%
Profit Quality(5y)123.15%
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)-12.46%
Revenue growth 3Y2.8%
Revenue growth 5Y5.54%
Sales Q2Q%-7.38%
Revenue Next Year0.56%
Revenue Next 2Y0.09%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-5.75%
EBIT growth 3Y0.83%
EBIT growth 5Y5.67%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-74.51%
FCF growth 3Y-33.13%
FCF growth 5Y-21%
OCF growth 1Y-74.51%
OCF growth 3Y-33.13%
OCF growth 5Y-21%

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 4 / 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 2 / 10 to ATRIUM MORTGAGE INV CORP (AI-DB-F.CA). This can be considered as Overvalued.


Can you provide the profitability details for ATRIUM MORTGAGE INV CORP?

ATRIUM MORTGAGE INV CORP (AI-DB-F.CA) has a profitability rating of 6 / 10.


Can you provide the PE and PB ratios for AI-DB-F stock?

The Price/Earnings (PE) ratio for ATRIUM MORTGAGE INV CORP (AI-DB-F.CA) is 98.14 and the Price/Book (PB) ratio is 9.15.


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.