ATRIUM MORTGAGE INV CORP (AI-DB-F.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:AI-DB-F - CA04964GAH35
100.85 CAD
-0.14 (-0.14%)
We assign a fundamental rating of 3 out of 10 to AI-DB-F. AI-DB-F was compared to 28 industry peers in the Financial Services industry. AI-DB-F has a medium profitability rating, but doesn't score so well on its financial health evaluation. AI-DB-F has a expensive valuation and it also scores bad on growth.
1. Profitability
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 each of the past 5 years.
- In the past 5 years AI-DB-F always reported a positive cash flow from operatings.
1.2 Ratios
- AI-DB-F has a better Return On Assets (5.54%) than 64.29% of its industry peers.
- With a decent Return On Equity value of 9.41%, AI-DB-F is doing good in the industry, outperforming 71.43% of the companies in the same industry.
- AI-DB-F has a Return On Invested Capital of 6.08%. This is in the better half of the industry: AI-DB-F outperforms 75.00% 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 7.80%.
| Industry Rank | Sector 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%
1.3 Margins
- AI-DB-F has a better Profit Margin (57.12%) than 85.71% 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 92.86% of its industry peers.
- In the last couple of years the Operating Margin of AI-DB-F has declined.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- The number of shares outstanding for AI-DB-F has been increased compared to 1 year ago.
- AI-DB-F has more shares outstanding than it did 5 years ago.
- AI-DB-F has a better debt/assets ratio than last year.
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 has a better Altman-Z score (8.15) than 75.00% of its industry peers.
- AI-DB-F has a debt to FCF ratio of 46.98. This is a negative value and a sign of low solvency as AI-DB-F would need 46.98 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 46.98, AI-DB-F perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
- AI-DB-F has a Debt/Equity ratio of 0.59. This is a neutral value indicating 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 46.98 | ||
| Altman-Z | 8.15 |
ROIC/WACCN/A
WACCN/A
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 Current ratio of 0.00. This is amonst the worse of the industry: AI-DB-F underperforms 92.86% of its industry peers.
- A Quick Ratio of 0.00 indicates that AI-DB-F may have some problems paying its short term obligations.
- The Quick ratio of AI-DB-F (0.00) is worse than 92.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0 | ||
| Quick Ratio | 0 |
3. Growth
3.1 Past
- AI-DB-F shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.90%.
- The Earnings Per Share has been growing slightly by 1.81% on average over the past years.
- Looking at the last year, AI-DB-F shows a very negative growth in Revenue. The Revenue has decreased by -13.66% in the last year.
- 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)-1.9%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-3.85%
Revenue 1Y (TTM)-13.66%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-14.18%
3.2 Future
- The Earnings Per Share is expected to grow by 0.34% on average over the next years.
- Based on estimates for the next years, AI-DB-F will show a decrease in Revenue. The Revenue will decrease by -6.94% on average per year.
EPS Next Y-0.43%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
EPS Next 5YN/A
Revenue Next Year-12.76%
Revenue Next 2Y-6.94%
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
- The Price/Earnings ratio is 97.91, which means the current valuation is very expensive for 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 27.21, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 96.94, which means the current valuation is very expensive for 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.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, AI-DB-F is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.91 | ||
| Fwd PE | 96.94 |
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 67.86% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 624.73 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The decent profitability rating of AI-DB-F may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)54.14
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
5. Dividend
5.1 Amount
- AI-DB-F has a Yearly Dividend Yield of 7.96%, which is a nice return.
- Compared to an average industry Dividend Yield of 5.88, AI-DB-F pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.81, AI-DB-F pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.96% |
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
- 88.11% of the earnings are spent on dividend by AI-DB-F. This is not a sustainable payout ratio.
- The dividend of AI-DB-F is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP88.11%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
ATRIUM MORTGAGE INV CORP / AI-DB-F.CA 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 6 / 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 decline by -0.43% in the next year.