ATRIUM MORTGAGE INV CORP (AI-DB-F.CA) Stock Price, Quote, News and Overview
TSX:AI-DB-F - Toronto Stock Exchange - CA04964GAH35 - Currency: CAD
Overall AI-DB-F gets a fundamental rating of 4 out of 10. We evaluated AI-DB-F against 28 industry peers in the Financial Services industry. AI-DB-F has an average financial health and profitability rating. AI-DB-F is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year AI-DB-F was profitable.
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.
Each year in the past 5 years AI-DB-F had a positive operating cash flow.
1.2 Ratios
AI-DB-F's Return On Assets of 5.59% is amongst the best of the industry. AI-DB-F outperforms 82.14% of its industry peers.
AI-DB-F has a Return On Equity of 9.17%. This is in the better half of the industry: AI-DB-F outperforms 71.43% of its industry peers.
Looking at the Return On Invested Capital, with a value of 6.45%, AI-DB-F belongs to the top of the industry, outperforming 82.14% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for AI-DB-F is in line with the industry average of 5.22%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.59% | ||
| ROE | 9.17% | ||
| ROIC | 6.45% |
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 Profit Margin of 50.74%. This is in the better half of the industry: AI-DB-F outperforms 67.86% of its industry peers.
In the last couple of years the Profit Margin of AI-DB-F has declined.
Looking at the Operating Margin, with a value of 76.84%, AI-DB-F belongs to the top of the industry, outperforming 89.29% of the companies in the same industry.
In the last couple of years the Operating Margin of AI-DB-F has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 76.84% | ||
| PM (TTM) | 50.74% | ||
| 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.
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 an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 8.49 indicates that AI-DB-F is not in any danger for bankruptcy at the moment.
AI-DB-F's Altman-Z score of 8.49 is fine compared to the rest of the industry. AI-DB-F outperforms 67.86% of its industry peers.
The Debt to FCF ratio of AI-DB-F is 4.84, which is a neutral value as it means it would take AI-DB-F, 4.84 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.84, AI-DB-F is in the better half of the industry, outperforming 78.57% of the companies in the same industry.
AI-DB-F has a Debt/Equity ratio of 0.55. This is a neutral value indicating AI-DB-F is somewhat dependend on debt financing.
AI-DB-F has a better Debt to Equity ratio (0.55) than 64.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.55 | ||
| Debt/FCF | 4.84 | ||
| Altman-Z | 8.49 |
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's Current ratio of 0.00 is on the low side compared to the rest of the industry. AI-DB-F is outperformed by 92.86% 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.
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 -6.36%.
AI-DB-F shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.81% yearly.
Looking at the last year, AI-DB-F shows a decrease in Revenue. The Revenue has decreased by -6.02% in the last year.
The Revenue has been growing by 8.01% on average over the past years. This is quite good.
EPS 1Y (TTM)-6.36%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-7.41%
Revenue 1Y (TTM)-6.02%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-12.82%
3.2 Future
The Earnings Per Share is expected to grow by 0.03% 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 -3.66% on average per year.
EPS Next Y0.06%
EPS Next 2Y0.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-7.79%
Revenue Next 2Y-3.66%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 96.11, which means the current valuation is very expensive for AI-DB-F.
The rest of the industry has a similar Price/Earnings ratio as AI-DB-F.
When comparing the Price/Earnings ratio of AI-DB-F to the average of the S&P500 Index (27.15), we can say AI-DB-F is valued expensively.
AI-DB-F is valuated quite expensively with a Price/Forward Earnings ratio of 94.22.
AI-DB-F's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 21.60. AI-DB-F is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 96.11 | ||
| Fwd PE | 94.22 |
4.2 Price Multiples
AI-DB-F's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. AI-DB-F is cheaper than 64.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 70.07 | ||
| EV/EBITDA | N/A |
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)1681.87
PEG (5Y)53.14
EPS Next 2Y0.03%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.05%, AI-DB-F is a good candidate for dividend investing.
AI-DB-F's Dividend Yield is comparable with the industry average which is at 7.22.
Compared to an average S&P500 Dividend Yield of 2.42, AI-DB-F pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.05% |
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
AI-DB-F pays out 88.21% of its income as dividend. 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.
DP88.21%
EPS Next 2Y0.03%
EPS Next 3YN/A
TSX:AI-DB-F (6/26/2025, 7:00:00 PM)
98.99
-0.76 (-0.76%)
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 Cap4.70B
Analysts84
Price Target116.58 (17.77%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.05% |
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP88.21%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.42%
Min EPS beat(2)-2.91%
Max EPS beat(2)9.75%
EPS beat(4)2
Avg EPS beat(4)0.33%
Min EPS beat(4)-6.51%
Max EPS beat(4)9.75%
EPS beat(8)4
Avg EPS beat(8)-1.16%
EPS beat(12)6
Avg EPS beat(12)-0.74%
EPS beat(16)6
Avg EPS beat(16)-1.27%
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)-0.22%
PT rev (3m)-0.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 96.11 | ||
| Fwd PE | 94.22 | ||
| P/S | 49.95 | ||
| P/FCF | 70.07 | ||
| P/OCF | 70.07 | ||
| P/B | 9.02 | ||
| P/tB | 9.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY1.04%
EPS(NY)1.05
Fwd EY1.06%
FCF(TTM)1.41
FCFY1.43%
OCF(TTM)1.41
OCFY1.43%
SpS1.98
BVpS10.97
TBVpS10.97
PEG (NY)1681.87
PEG (5Y)53.14
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.59% | ||
| ROE | 9.17% | ||
| ROCE | 12.3% | ||
| ROIC | 6.45% | ||
| ROICexc | 6.45% | ||
| ROICexgc | 6.45% | ||
| OM | 76.84% | ||
| PM (TTM) | 50.74% | ||
| GM | N/A | ||
| FCFM | 71.29% |
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 Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.55 | ||
| Debt/FCF | 4.84 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.27 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 140.5% | ||
| Current Ratio | 0 | ||
| Quick Ratio | 0 | ||
| Altman-Z | 8.49 |
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)-6.36%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-7.41%
EPS Next Y0.06%
EPS Next 2Y0.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.02%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-12.82%
Revenue Next Year-7.79%
Revenue Next 2Y-3.66%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.75%
EBIT growth 3Y10.77%
EBIT growth 5Y5.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y10.31%
FCF growth 3Y0.12%
FCF growth 5Y7.25%
OCF growth 1Y10.31%
OCF growth 3Y0.12%
OCF growth 5Y7.25%