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

TSX:AI-DB-F • CA04964GAH35

100.5 CAD
-0.25 (-0.25%)
Last: Mar 4, 2026, 07:00 PM
Overview Stock Chart Technical Analysis News

This AI-DB-F.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

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

6

1. AI-DB-F.CA Profitability Analysis

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.
  • Each year in the past 5 years AI-DB-F has been profitable.
  • Each year in the past 5 years AI-DB-F had a positive operating cash flow.
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

  • The Return On Assets of AI-DB-F (5.54%) is better than 75.00% of its industry peers.
  • AI-DB-F's Return On Equity of 9.41% is fine compared to the rest of the industry. AI-DB-F outperforms 78.13% of its industry peers.
  • With an excellent Return On Invested Capital value of 6.08%, AI-DB-F belongs to the best of the industry, outperforming 81.25% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for AI-DB-F is in line with the industry average of 6.74%.
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

  • With an excellent Profit Margin value of 57.12%, AI-DB-F belongs to the best of the industry, outperforming 90.63% of the companies in the same industry.
  • In the last couple of years the Profit Margin of AI-DB-F has declined.
  • AI-DB-F's Operating Margin of 81.49% is amongst the best of the industry. AI-DB-F outperforms 96.88% 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. AI-DB-F.CA Health Analysis

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.
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

  • AI-DB-F has an Altman-Z score of 8.15. This indicates that AI-DB-F is financially healthy and has little risk of 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 78.13% 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.
  • Looking at the Debt to FCF ratio, with a value of 46.98, AI-DB-F is in line with its industry, outperforming 40.63% 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.
  • AI-DB-F's Debt to Equity ratio of 0.59 is in line compared to the rest of the industry. AI-DB-F outperforms 53.13% of its industry peers.
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 90.63% of the companies in the same industry.
  • 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.
  • With a Quick ratio value of 0.00, AI-DB-F is not doing good in the industry: 90.63% 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 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. 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 -1.90%.
  • The Earnings Per Share has been growing slightly by 1.81% on average over the past years.
  • The Revenue for AI-DB-F has decreased by -13.66% in the past year. This is quite bad
  • 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

  • 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.
  • The Revenue is expected to decrease by -6.94% on average over the next years.
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.
  • 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 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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1

4. AI-DB-F.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • AI-DB-F is valuated quite expensively with a Price/Earnings ratio of 97.57.
  • 62.50% of the companies in the same industry are more expensive than AI-DB-F, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.29, AI-DB-F is valued quite expensively.
  • Based on the Price/Forward Earnings ratio of 96.61, the valuation of AI-DB-F can be described as expensive.
  • AI-DB-F's Price/Forward Earnings is on the same level as the industry average.
  • AI-DB-F's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 24.57.
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

  • 68.75% of the companies in the same industry are cheaper than AI-DB-F, based on the Price/Free Cash Flow ratio.
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

  • AI-DB-F has a very decent profitability rating, which 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. AI-DB-F.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.80%, AI-DB-F is a good candidate for dividend investing.
  • AI-DB-F's Dividend Yield is a higher than the industry average which is at 4.77.
  • AI-DB-F's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 7.8%

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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AI-DB-F.CA Fundamentals: All Metrics, Ratios and Statistics

ATRIUM MORTGAGE INV CORP

TSX:AI-DB-F (3/4/2026, 7:00:00 PM)

100.5

-0.25 (-0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26
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 Target111.52 (10.97%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.8%
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)-2.4%
PT rev (3m)-2.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
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.