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

TSX:AI-DB-G - Toronto Stock Exchange - CA04964GAJ90 - Currency: CAD

96.5  +0.44 (+0.46%)

Fundamental Rating

4

Taking everything into account, AI-DB-G scores 4 out of 10 in our fundamental rating. AI-DB-G was compared to 32 industry peers in the Financial Services industry. There are concerns on the financial health of AI-DB-G while its profitability can be described as average. AI-DB-G is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year AI-DB-G was profitable.
In the past year AI-DB-G had a positive cash flow from operations.
In the past 5 years AI-DB-G has always been profitable.
Each year in the past 5 years AI-DB-G had a positive operating cash flow.
AI-DB-G.CA Yearly Net Income VS EBIT VS OCF VS FCFAI-DB-G.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M

1.2 Ratios

The Return On Assets of AI-DB-G (5.20%) is better than 68.75% of its industry peers.
AI-DB-G has a better Return On Equity (9.53%) than 75.00% of its industry peers.
AI-DB-G has a better Return On Invested Capital (6.01%) than 78.13% of its industry peers.
AI-DB-G had an Average Return On Invested Capital over the past 3 years of 5.78%. This is in line with the industry average of 5.84%.
The 3 year average ROIC (5.78%) for AI-DB-G is below the current ROIC(6.01%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 5.2%
ROE 9.53%
ROIC 6.01%
ROA(3y)5.52%
ROA(5y)5.39%
ROE(3y)9.77%
ROE(5y)9.25%
ROIC(3y)5.78%
ROIC(5y)5.6%
AI-DB-G.CA Yearly ROA, ROE, ROICAI-DB-G.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

AI-DB-G's Profit Margin of 46.77% is fine compared to the rest of the industry. AI-DB-G outperforms 71.88% of its industry peers.
AI-DB-G's Profit Margin has declined in the last couple of years.
AI-DB-G has a Operating Margin of 73.96%. This is amongst the best in the industry. AI-DB-G outperforms 93.75% of its industry peers.
In the last couple of years the Operating Margin of AI-DB-G has remained more or less at the same level.
Industry RankSector Rank
OM 73.96%
PM (TTM) 46.77%
GM N/A
OM growth 3Y-1.12%
OM growth 5Y-1.38%
PM growth 3Y-4.66%
PM growth 5Y-2.04%
GM growth 3YN/A
GM growth 5YN/A
AI-DB-G.CA Yearly Profit, Operating, Gross MarginsAI-DB-G.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 20 40 60 80

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3

2. Health

2.1 Basic Checks

The number of shares outstanding for AI-DB-G has been increased compared to 1 year ago.
The number of shares outstanding for AI-DB-G has been increased compared to 5 years ago.
The debt/assets ratio for AI-DB-G has been reduced compared to a year ago.
AI-DB-G.CA Yearly Shares OutstandingAI-DB-G.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M
AI-DB-G.CA Yearly Total Debt VS Total AssetsAI-DB-G.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M

2.2 Solvency

AI-DB-G has an Altman-Z score of 7.04. This indicates that AI-DB-G is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of AI-DB-G (7.04) is comparable to the rest of the industry.
The Debt to FCF ratio of AI-DB-G is 4.75, which is a neutral value as it means it would take AI-DB-G, 4.75 years of fcf income to pay off all of its debts.
AI-DB-G has a Debt to FCF ratio of 4.75. This is comparable to the rest of the industry: AI-DB-G outperforms 56.25% of its industry peers.
A Debt/Equity ratio of 0.80 indicates that AI-DB-G is somewhat dependend on debt financing.
AI-DB-G has a Debt to Equity ratio (0.80) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 4.75
Altman-Z 7.04
ROIC/WACCN/A
WACCN/A
AI-DB-G.CA Yearly LT Debt VS Equity VS FCFAI-DB-G.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M

2.3 Liquidity

AI-DB-G has a Current Ratio of 0.01. This is a bad value and indicates that AI-DB-G is not financially healthy enough and could expect problems in meeting its short term obligations.
AI-DB-G has a Current ratio of 0.01. This is amonst the worse of the industry: AI-DB-G underperforms 87.50% of its industry peers.
A Quick Ratio of 0.01 indicates that AI-DB-G may have some problems paying its short term obligations.
The Quick ratio of AI-DB-G (0.01) is worse than 87.50% of its industry peers.
Industry RankSector Rank
Current Ratio 0.01
Quick Ratio 0.01
AI-DB-G.CA Yearly Current Assets VS Current LiabilitesAI-DB-G.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M 500M

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2

3. Growth

3.1 Past

The earnings per share for AI-DB-G have decreased strongly by -11.02% in the last year.
AI-DB-G shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.71% yearly.
Looking at the last year, AI-DB-G shows a small growth in Revenue. The Revenue has grown by 4.92% in the last year.
AI-DB-G shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.07% yearly.
EPS 1Y (TTM)-11.02%
EPS 3Y7.41%
EPS 5Y3.71%
EPS Q2Q%4%
Revenue 1Y (TTM)4.92%
Revenue growth 3Y14.88%
Revenue growth 5Y11.07%
Sales Q2Q%-3.53%

3.2 Future

Based on estimates for the next years, AI-DB-G will show a decrease in Earnings Per Share. The EPS will decrease by -3.00% on average per year.
Based on estimates for the next years, AI-DB-G will show a decrease in Revenue. The Revenue will decrease by -3.69% on average per year.
EPS Next Y-6.49%
EPS Next 2Y-2.83%
EPS Next 3Y-3%
EPS Next 5YN/A
Revenue Next Year0.65%
Revenue Next 2Y-3.69%
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.
AI-DB-G.CA Yearly Revenue VS EstimatesAI-DB-G.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
AI-DB-G.CA Yearly EPS VS EstimatesAI-DB-G.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 91.90 indicates a quite expensive valuation of AI-DB-G.
Compared to the rest of the industry, the Price/Earnings ratio of AI-DB-G indicates a somewhat cheap valuation: AI-DB-G is cheaper than 62.50% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 29.35. AI-DB-G is valued rather expensively when compared to this.
A Price/Forward Earnings ratio of 89.65 indicates a quite expensive valuation of AI-DB-G.
Based on the Price/Forward Earnings ratio, AI-DB-G is valued a bit cheaper than 62.50% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.10. AI-DB-G is valued rather expensively when compared to this.
Industry RankSector Rank
PE 91.9
Fwd PE 89.65
AI-DB-G.CA Price Earnings VS Forward Price EarningsAI-DB-G.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

65.63% of the companies in the same industry are more expensive than AI-DB-G, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 54.47
EV/EBITDA N/A
AI-DB-G.CA Per share dataAI-DB-G.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

AI-DB-G has a very decent profitability rating, which may justify a higher PE ratio.
A cheap valuation may be justified as AI-DB-G's earnings are expected to decrease with -3.00% in the coming years.
PEG (NY)N/A
PEG (5Y)24.75
EPS Next 2Y-2.83%
EPS Next 3Y-3%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 8.80%, AI-DB-G is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 8.05, AI-DB-G pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.33, AI-DB-G pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.8%

5.2 History

The dividend of AI-DB-G has a limited annual growth rate of 2.97%.
AI-DB-G is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)2.97%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

96.53% of the earnings are spent on dividend by AI-DB-G. This is not a sustainable payout ratio.
AI-DB-G's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP96.53%
EPS Next 2Y-2.83%
EPS Next 3Y-3%
AI-DB-G.CA Yearly Income VS Free CF VS DividendAI-DB-G.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M
AI-DB-G.CA Dividend Payout.AI-DB-G.CA Dividend Payout, showing the Payout Ratio.AI-DB-G.CA Dividend Payout.PayoutRetained Earnings

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ATRIUM MORTGAGE INV CORP

TSX:AI-DB-G (3/6/2025, 7:00:00 PM)

96.5

+0.44 (+0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-13 2025-02-13/amc
Earnings (Next)05-12 2025-05-12
Inst Owners5.14%
Inst Owner ChangeN/A
Ins Owners4.24%
Ins Owner ChangeN/A
Market Cap4.56B
Analysts84
Price Target117.56 (21.82%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.8%
Yearly Dividend0.97
Dividend Growth(5Y)2.97%
DP96.53%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.77%
Min EPS beat(2)-6.51%
Max EPS beat(2)0.97%
EPS beat(4)2
Avg EPS beat(4)0.19%
Min EPS beat(4)-6.51%
Max EPS beat(4)9.22%
EPS beat(8)4
Avg EPS beat(8)-1.7%
EPS beat(12)5
Avg EPS beat(12)-1.95%
EPS beat(16)6
Avg EPS beat(16)-2.93%
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 91.9
Fwd PE 89.65
P/S 45.36
P/FCF 54.47
P/OCF 54.47
P/B 9.24
P/tB 9.24
EV/EBITDA N/A
EPS(TTM)1.05
EY1.09%
EPS(NY)1.08
Fwd EY1.12%
FCF(TTM)1.77
FCFY1.84%
OCF(TTM)1.77
OCFY1.84%
SpS2.13
BVpS10.44
TBVpS10.44
PEG (NY)N/A
PEG (5Y)24.75
Profitability
Industry RankSector Rank
ROA 5.2%
ROE 9.53%
ROCE 8.35%
ROIC 6.01%
ROICexc 6.01%
ROICexgc 6.01%
OM 73.96%
PM (TTM) 46.77%
GM N/A
FCFM 83.27%
ROA(3y)5.52%
ROA(5y)5.39%
ROE(3y)9.77%
ROE(5y)9.25%
ROIC(3y)5.78%
ROIC(5y)5.6%
ROICexc(3y)5.78%
ROICexc(5y)5.6%
ROICexgc(3y)5.78%
ROICexgc(5y)5.6%
ROCE(3y)8.02%
ROCE(5y)7.77%
ROICexcg growth 3Y8.55%
ROICexcg growth 5Y4.97%
ROICexc growth 3Y8.55%
ROICexc growth 5Y4.97%
OM growth 3Y-1.12%
OM growth 5Y-1.38%
PM growth 3Y-4.66%
PM growth 5Y-2.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 4.75
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 3.05
Cash Conversion N/A
Profit Quality 178.04%
Current Ratio 0.01
Quick Ratio 0.01
Altman-Z 7.04
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)145.99%
Profit Quality(5y)141.28%
High Growth Momentum
Growth
EPS 1Y (TTM)-11.02%
EPS 3Y7.41%
EPS 5Y3.71%
EPS Q2Q%4%
EPS Next Y-6.49%
EPS Next 2Y-2.83%
EPS Next 3Y-3%
EPS Next 5YN/A
Revenue 1Y (TTM)4.92%
Revenue growth 3Y14.88%
Revenue growth 5Y11.07%
Sales Q2Q%-3.53%
Revenue Next Year0.65%
Revenue Next 2Y-3.69%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.98%
EBIT growth 3Y13.59%
EBIT growth 5Y9.53%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y24.94%
FCF growth 3Y11.08%
FCF growth 5Y13.43%
OCF growth 1Y24.94%
OCF growth 3Y11.08%
OCF growth 5Y13.26%