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

TSX:AI-DB-F • CA04964GAH35

100.5 CAD
0 (0%)
Last: Feb 10, 2026, 07:00 PM
Overview Stock Chart Technical Analysis News
Fundamental Rating

3

AI-DB-F gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 27 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.


Dividend Valuation Growth Profitability Health

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.
  • 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 20M 40M 60M

1.2 Ratios

  • AI-DB-F has a better Return On Assets (5.54%) than 70.37% of its industry peers.
  • Looking at the Return On Equity, with a value of 9.41%, AI-DB-F is in the better half of the industry, outperforming 74.07% of the companies in the same industry.
  • AI-DB-F's Return On Invested Capital of 6.08% is fine compared to the rest of the industry. AI-DB-F outperforms 77.78% of its industry peers.
  • AI-DB-F had an Average Return On Invested Capital over the past 3 years of 6.60%. This is in line with the industry average of 8.08%.
Industry RankSector 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%
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 2 4 6 8 10

1.3 Margins

  • AI-DB-F has a better Profit Margin (57.12%) than 88.89% of its industry peers.
  • AI-DB-F's Profit Margin has declined in the last couple of years.
  • AI-DB-F has a Operating Margin of 81.49%. This is amongst the best in the industry. AI-DB-F outperforms 96.30% of its industry peers.
  • AI-DB-F's Operating Margin has declined in the last couple of years.
Industry RankSector 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
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 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • AI-DB-F has more shares outstanding than it did 1 year ago.
  • AI-DB-F has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for AI-DB-F has been reduced compared to a year ago.
AI-DB-F.CA Yearly Shares OutstandingAI-DB-F.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 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.
  • The Altman-Z score of AI-DB-F (8.15) is better than 74.07% of its industry peers.
  • The Debt to FCF ratio of AI-DB-F is 46.98, which is on the high side as it means it would take AI-DB-F, 46.98 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of AI-DB-F (46.98) is comparable to the rest of the 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.
  • Looking at the Debt to Equity ratio, with a value of 0.59, AI-DB-F is in the better half of the industry, outperforming 62.96% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 46.98
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 100M 200M 300M 400M 500M

2.3 Liquidity

  • AI-DB-F has a Current 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.
  • Looking at the Current ratio, with a value of 0.00, AI-DB-F is doing worse than 88.89% of the companies in the same industry.
  • A Quick Ratio of 0.00 indicates that AI-DB-F may have some problems paying 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 88.89% 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 100M 200M 300M 400M 500M

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

2

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%.
  • Measured over the past 5 years, AI-DB-F shows a small growth in Earnings Per Share. The EPS has been growing by 1.81% on average per year.
  • AI-DB-F shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.66%.
  • The Revenue has been growing by 8.01% on average over the past years. This is quite good.
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

  • AI-DB-F is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.34% yearly.
  • AI-DB-F is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -6.94% yearly.
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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 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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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 97.57, 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.
  • AI-DB-F is valuated expensively when we compare the Price/Earnings ratio to 26.68, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 96.61 indicates a quite expensive valuation of 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 28.06, AI-DB-F is valued quite expensively.
Industry RankSector Rank
PE 97.57
Fwd PE 96.61
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 indicates a slightly more expensive valuation: AI-DB-F is more expensive than 62.96% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 624.64
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 decent profitability rating of AI-DB-F may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)53.96
EPS Next 2Y-0.46%
EPS Next 3Y0.34%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • AI-DB-F has a Yearly Dividend Yield of 7.91%, which is a nice return.
  • AI-DB-F's Dividend Yield is a higher than the industry average which is at 5.63.
  • Compared to an average S&P500 Dividend Yield of 1.84, AI-DB-F pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.91%

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.
  • AI-DB-F's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP88.11%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
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 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 (2/10/2026, 7:00:00 PM)

100.5

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-12
Earnings (Next)05-11
Inst Owners1.9%
Inst Owner ChangeN/A
Ins Owners4.99%
Ins Owner ChangeN/A
Market Cap4.82B
Revenue(TTM)86.81M
Net Income(TTM)49.59M
Analysts84
Price Target114.26 (13.69%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.91%
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP88.11%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.16%
Min EPS beat(2)-2.91%
Max EPS beat(2)9.22%
EPS beat(4)2
Avg EPS beat(4)3.29%
Min EPS beat(4)-2.91%
Max EPS beat(4)9.75%
EPS beat(8)4
Avg EPS beat(8)1.74%
EPS beat(12)6
Avg EPS beat(12)-0.04%
EPS beat(16)7
Avg EPS beat(16)-0.64%
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)0.98%
PT rev (3m)-0.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.11%
Valuation
Industry RankSector Rank
PE 97.57
Fwd PE 96.61
P/S 55.53
P/FCF 624.64
P/OCF 624.64
P/B 9.15
P/tB 9.15
EV/EBITDA N/A
EPS(TTM)1.03
EY1.02%
EPS(NY)1.04
Fwd EY1.04%
FCF(TTM)0.16
FCFY0.16%
OCF(TTM)0.16
OCFY0.16%
SpS1.81
BVpS10.99
TBVpS10.99
PEG (NY)N/A
PEG (5Y)53.96
Graham Number15.96
Profitability
Industry RankSector Rank
ROA 5.54%
ROE 9.41%
ROCE 8.49%
ROIC 6.08%
ROICexc 6.08%
ROICexgc 6.08%
OM 81.49%
PM (TTM) 57.12%
GM N/A
FCFM 8.89%
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%
ROICexgc growth 3Y10.01%
ROICexgc 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 Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 46.98
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 3.5
Cash Conversion N/A
Profit Quality 15.56%
Current Ratio 0
Quick Ratio 0
Altman-Z 8.15
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)139.29%
Profit Quality(5y)144.86%
High Growth Momentum
Growth
EPS 1Y (TTM)-1.9%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-3.85%
EPS Next Y-0.43%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
EPS Next 5YN/A
Revenue 1Y (TTM)-13.66%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-14.18%
Revenue Next Year-12.76%
Revenue Next 2Y-6.94%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.86%
EBIT growth 3Y10.77%
EBIT growth 5Y5.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-90.05%
FCF growth 3Y0.12%
FCF growth 5Y7.25%
OCF growth 1Y-90.05%
OCF growth 3Y0.12%
OCF growth 5Y7.25%

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.