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

TSX:AI-DB-F - Toronto Stock Exchange - CA04964GAH35 - Currency: CAD

97.99  0 (0%)

Fundamental Rating

4

Taking everything into account, AI-DB-F scores 4 out of 10 in our fundamental rating. AI-DB-F was compared to 32 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.


Dividend Valuation Growth Profitability Health

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6

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M

1.2 Ratios

With a decent Return On Assets value of 5.20%, AI-DB-F is doing good in the industry, outperforming 62.50% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.53%, AI-DB-F is in the better half of the industry, outperforming 68.75% of the companies in the same industry.
AI-DB-F has a Return On Invested Capital of 6.01%. This is in the better half of the industry: AI-DB-F outperforms 71.88% of its industry peers.
The Average Return On Invested Capital over the past 3 years for AI-DB-F is in line with the industry average of 5.84%.
The 3 year average ROIC (5.78%) for AI-DB-F is below the current ROIC(6.01%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 5.2%
ROE 9.53%
ROIC 6.01%
ROA(3y)5.52%
ROA(5y)5.39%
ROE(3y)9.77%
ROE(5y)9.25%
ROIC(3y)5.78%
ROIC(5y)5.6%
AI-DB-F.CA Yearly ROA, ROE, ROICAI-DB-F.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

With a decent Profit Margin value of 46.77%, AI-DB-F is doing good in the industry, outperforming 65.63% of the companies in the same industry.
AI-DB-F's Profit Margin has declined in the last couple of years.
The Operating Margin of AI-DB-F (73.96%) is better than 87.50% of its industry peers.
In the last couple of years the Operating Margin of AI-DB-F has remained more or less at the same level.
Industry RankSector Rank
OM 73.96%
PM (TTM) 46.77%
GM N/A
OM growth 3Y-1.12%
OM growth 5Y-1.38%
PM growth 3Y-4.66%
PM growth 5Y-2.04%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 20 40 60 80

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3

2. Health

2.1 Basic Checks

Compared to 1 year ago, AI-DB-F has more shares outstanding
Compared to 5 years ago, AI-DB-F has more shares outstanding
AI-DB-F has a better debt/assets ratio than last year.
AI-DB-F.CA Yearly Shares OutstandingAI-DB-F.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M

2.2 Solvency

AI-DB-F has an Altman-Z score of 7.15. 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 7.15. This is in the better half of the industry: AI-DB-F outperforms 65.63% of its industry peers.
The Debt to FCF ratio of AI-DB-F is 4.75, which is a neutral value as it means it would take AI-DB-F, 4.75 years of fcf income to pay off all of its debts.
AI-DB-F has a Debt to FCF ratio (4.75) which is in line with its industry peers.
A Debt/Equity ratio of 0.80 indicates that AI-DB-F is somewhat dependend on debt financing.
AI-DB-F has a Debt to Equity ratio (0.80) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 4.75
Altman-Z 7.15
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M

2.3 Liquidity

AI-DB-F has a Current Ratio of 0.01. 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 (0.01) is worse than 93.75% of its industry peers.
A Quick Ratio of 0.01 indicates that AI-DB-F may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.01, AI-DB-F is doing worse than 93.75% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.01
Quick Ratio 0.01
AI-DB-F.CA Yearly Current Assets VS Current LiabilitesAI-DB-F.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M 500M

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2

3. Growth

3.1 Past

AI-DB-F shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -11.02%.
The Earnings Per Share has been growing slightly by 3.71% on average over the past years.
AI-DB-F shows a small growth in Revenue. In the last year, the Revenue has grown by 4.92%.
Measured over the past years, AI-DB-F shows a quite strong growth in Revenue. The Revenue has been growing by 11.07% on average per year.
EPS 1Y (TTM)-11.02%
EPS 3Y7.41%
EPS 5Y3.71%
EPS Q2Q%4%
Revenue 1Y (TTM)4.92%
Revenue growth 3Y14.88%
Revenue growth 5Y11.07%
Sales Q2Q%-3.53%

3.2 Future

Based on estimates for the next years, AI-DB-F will show a decrease in Earnings Per Share. The EPS will decrease by -3.00% on average per year.
Based on estimates for the next years, AI-DB-F will show a decrease in Revenue. The Revenue will decrease by -3.69% on average per year.
EPS Next Y-6.49%
EPS Next 2Y-2.83%
EPS Next 3Y-3%
EPS Next 5YN/A
Revenue Next Year0.65%
Revenue Next 2Y-3.69%
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.
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.
AI-DB-F.CA Yearly Revenue VS EstimatesAI-DB-F.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 93.32, the valuation of AI-DB-F can be described as expensive.
AI-DB-F's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 29.35. AI-DB-F is valued rather expensively when compared to this.
With a Price/Forward Earnings ratio of 91.04, 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.
AI-DB-F's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.10.
Industry RankSector Rank
PE 93.32
Fwd PE 91.04
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

AI-DB-F's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 55.31
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

AI-DB-F has a very decent profitability rating, which may justify a higher PE ratio.
AI-DB-F's earnings are expected to decrease with -3.00% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)25.13
EPS Next 2Y-2.83%
EPS Next 3Y-3%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 8.80%, AI-DB-F is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 8.05, AI-DB-F pays a better dividend. On top of this AI-DB-F pays more dividend than 81.25% of the companies listed in the same industry.
AI-DB-F's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 8.8%

5.2 History

The dividend of AI-DB-F has a limited annual growth rate of 2.97%.
AI-DB-F is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)2.97%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

96.53% 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.
DP96.53%
EPS Next 2Y-2.83%
EPS Next 3Y-3%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 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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ATRIUM MORTGAGE INV CORP

TSX:AI-DB-F (3/6/2025, 7:00:00 PM)

97.99

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-13 2025-02-13/amc
Earnings (Next)05-12 2025-05-12
Inst Owners5.14%
Inst Owner ChangeN/A
Ins Owners4.24%
Ins Owner ChangeN/A
Market Cap4.63B
Analysts84
Price Target116.84 (19.24%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.8%
Yearly Dividend0.97
Dividend Growth(5Y)2.97%
DP96.53%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.77%
Min EPS beat(2)-6.51%
Max EPS beat(2)0.97%
EPS beat(4)2
Avg EPS beat(4)0.19%
Min EPS beat(4)-6.51%
Max EPS beat(4)9.22%
EPS beat(8)4
Avg EPS beat(8)-1.7%
EPS beat(12)5
Avg EPS beat(12)-1.95%
EPS beat(16)6
Avg EPS beat(16)-2.93%
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 93.32
Fwd PE 91.04
P/S 46.06
P/FCF 55.31
P/OCF 55.31
P/B 9.38
P/tB 9.38
EV/EBITDA N/A
EPS(TTM)1.05
EY1.07%
EPS(NY)1.08
Fwd EY1.1%
FCF(TTM)1.77
FCFY1.81%
OCF(TTM)1.77
OCFY1.81%
SpS2.13
BVpS10.44
TBVpS10.44
PEG (NY)N/A
PEG (5Y)25.13
Profitability
Industry RankSector Rank
ROA 5.2%
ROE 9.53%
ROCE 8.35%
ROIC 6.01%
ROICexc 6.01%
ROICexgc 6.01%
OM 73.96%
PM (TTM) 46.77%
GM N/A
FCFM 83.27%
ROA(3y)5.52%
ROA(5y)5.39%
ROE(3y)9.77%
ROE(5y)9.25%
ROIC(3y)5.78%
ROIC(5y)5.6%
ROICexc(3y)5.78%
ROICexc(5y)5.6%
ROICexgc(3y)5.78%
ROICexgc(5y)5.6%
ROCE(3y)8.02%
ROCE(5y)7.77%
ROICexcg growth 3Y8.55%
ROICexcg growth 5Y4.97%
ROICexc growth 3Y8.55%
ROICexc growth 5Y4.97%
OM growth 3Y-1.12%
OM growth 5Y-1.38%
PM growth 3Y-4.66%
PM growth 5Y-2.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 4.75
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 3.05
Cash Conversion N/A
Profit Quality 178.04%
Current Ratio 0.01
Quick Ratio 0.01
Altman-Z 7.15
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)145.99%
Profit Quality(5y)141.28%
High Growth Momentum
Growth
EPS 1Y (TTM)-11.02%
EPS 3Y7.41%
EPS 5Y3.71%
EPS Q2Q%4%
EPS Next Y-6.49%
EPS Next 2Y-2.83%
EPS Next 3Y-3%
EPS Next 5YN/A
Revenue 1Y (TTM)4.92%
Revenue growth 3Y14.88%
Revenue growth 5Y11.07%
Sales Q2Q%-3.53%
Revenue Next Year0.65%
Revenue Next 2Y-3.69%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.98%
EBIT growth 3Y13.59%
EBIT growth 5Y9.53%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y24.94%
FCF growth 3Y11.08%
FCF growth 5Y13.43%
OCF growth 1Y24.94%
OCF growth 3Y11.08%
OCF growth 5Y13.26%