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

TSX:AI-DB-F • CA04964GAH35

Current stock price

100.99 CAD
+0.74 (+0.74%)
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

  • AI-DB-F had positive earnings in the past year.
  • 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.
  • AI-DB-F had a positive operating cash flow in each 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 2025 20M 40M 60M

1.2 Ratios

  • AI-DB-F has a better Return On Assets (5.49%) than 70.00% of its industry peers.
  • AI-DB-F's Return On Equity of 9.34% is fine compared to the rest of the industry. AI-DB-F outperforms 76.67% of its industry peers.
  • The Return On Invested Capital of AI-DB-F (6.04%) is better than 63.33% 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 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

  • AI-DB-F has a better Profit Margin (57.63%) than 86.67% of its industry peers.
  • AI-DB-F's Profit Margin has been stable in the last couple of years.
  • The Operating Margin of AI-DB-F (81.73%) is better than 93.33% 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 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

  • Compared to 1 year ago, AI-DB-F has more shares outstanding
  • The number of shares outstanding for AI-DB-F has been increased compared to 5 years ago.
  • Compared to 1 year ago, AI-DB-F has a worse debt to assets ratio.
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 8.15 indicates that AI-DB-F is not in any danger for bankruptcy at the moment.
  • AI-DB-F's Altman-Z score of 8.15 is fine compared to the rest of the industry. AI-DB-F outperforms 80.00% of its industry peers.
  • The Debt to FCF ratio of AI-DB-F is 20.51, which is on the high side as it means it would take AI-DB-F, 20.51 years of fcf income to pay off all of its debts.
  • AI-DB-F has a Debt to FCF ratio (20.51) which is in line with its industry peers.
  • 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 of 0.58. This is comparable to the rest of the industry: AI-DB-F outperforms 50.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.58
Debt/FCF 20.51
Altman-Z 8.15
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 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's Current ratio of 0.00 is on the low side compared to the rest of the industry. AI-DB-F is outperformed by 93.33% of its industry peers.
  • A Quick Ratio of 0.00 indicates that AI-DB-F may have some problems paying its short term obligations.
  • With a Quick ratio value of 0.00, AI-DB-F is not doing good in the industry: 93.33% of the companies in the same industry are doing better.
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%.
  • Measured over the past years, AI-DB-F shows a small growth in Revenue. The Revenue has been growing by 5.54% on average per year.
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

  • Based on estimates for the next years, AI-DB-F will show a small growth in Earnings Per Share. The EPS will grow by 1.99% on average per year.
  • 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

  • A Price/Earnings ratio of 99.01 indicates a quite expensive valuation of AI-DB-F.
  • Compared to the rest of the industry, the Price/Earnings ratio of AI-DB-F is on the same level as its industry peers.
  • AI-DB-F is valuated expensively when we compare the Price/Earnings ratio to 26.21, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 97.56, AI-DB-F can be considered very expensive at the moment.
  • AI-DB-F's Price/Forward Earnings ratio is in line with the industry average.
  • AI-DB-F is valuated expensively when we compare the Price/Forward Earnings ratio to 23.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 99.01
Fwd PE 97.56
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of AI-DB-F is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 279.01
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.
  • The decent profitability rating of AI-DB-F may justify a higher PE ratio.
PEG (NY)66.66
PEG (5Y)47.48
EPS Next 2Y1.99%
EPS Next 3YN/A

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5

5. AI-DB-F.CA Dividend Analysis

5.1 Amount

  • AI-DB-F has a Yearly Dividend Yield of 8.08%, which is a nice return.
  • AI-DB-F's Dividend Yield is a higher than the industry average which is at 5.46.
  • AI-DB-F's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 8.08%

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.
  • The dividend of AI-DB-F is growing, but earnings are growing more, so the dividend growth is 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 (4/2/2026, 7:00:00 PM)

100.99

+0.74 (+0.74%)

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 Cap4.84B
Revenue(TTM)85.14M
Net Income(TTM)49.06M
Analysts84
Price Target111.52 (10.43%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.08%
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 99.01
Fwd PE 97.56
P/S 56.9
P/FCF 279.01
P/OCF 279.01
P/B 9.23
P/tB 9.23
EV/EBITDA N/A
EPS(TTM)1.02
EY1.01%
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)66.66
PEG (5Y)47.48
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 8.15
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 99.01 and the Price/Book (PB) ratio is 9.23.


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.