ATRIUM MORTGAGE INV CORP (AI-DB-G.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:AI-DB-G - CA04964GAJ90
100.22 CAD
+0.07 (+0.07%)
AI-DB-G gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 28 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 does not seem to be growing, but still is valued expensively.
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.
- AI-DB-G had positive earnings in each of the past 5 years.
- Each year in the past 5 years AI-DB-G had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of AI-DB-G (5.54%) is better than 67.86% of its industry peers.
- AI-DB-G's Return On Equity of 9.41% is fine compared to the rest of the industry. AI-DB-G outperforms 75.00% of its industry peers.
- AI-DB-G has a better Return On Invested Capital (6.08%) than 78.57% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for AI-DB-G 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-G has a Profit Margin of 57.12%. This is amongst the best in the industry. AI-DB-G outperforms 89.29% of its industry peers.
- In the last couple of years the Profit Margin of AI-DB-G has declined.
- AI-DB-G has a Operating Margin of 81.49%. This is amongst the best in the industry. AI-DB-G outperforms 96.43% of its industry peers.
- AI-DB-G's Operating Margin has declined in the last couple of years.
| 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-G has been increased compared to 1 year ago.
- AI-DB-G has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, AI-DB-G has an improved debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 8.10 indicates that AI-DB-G is not in any danger for bankruptcy at the moment.
- AI-DB-G has a Altman-Z score of 8.10. This is in the better half of the industry: AI-DB-G outperforms 71.43% of its industry peers.
- The Debt to FCF ratio of AI-DB-G is 46.98, which is on the high side as it means it would take AI-DB-G, 46.98 years of fcf income to pay off all of its debts.
- AI-DB-G has a Debt to FCF ratio of 46.98. This is comparable to the rest of the industry: AI-DB-G outperforms 46.43% of its industry peers.
- A Debt/Equity ratio of 0.59 indicates that AI-DB-G is somewhat dependend on debt financing.
- The Debt to Equity ratio of AI-DB-G (0.59) is better than 60.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 46.98 | ||
| Altman-Z | 8.1 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- AI-DB-G has a Current Ratio of 0.00. 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 worse Current ratio (0.00) than 89.29% of its industry peers.
- AI-DB-G has a Quick Ratio of 0.00. 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 worse Quick ratio (0.00) than 89.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0 | ||
| Quick Ratio | 0 |
3. Growth
3.1 Past
- AI-DB-G 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.
- AI-DB-G shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.66%.
- AI-DB-G shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.01% yearly.
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-G is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.34% yearly.
- Based on estimates for the next years, AI-DB-G 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
- Based on the Price/Earnings ratio of 97.30, the valuation of AI-DB-G can be described as expensive.
- AI-DB-G's Price/Earnings is on the same level as the industry average.
- The average S&P500 Price/Earnings ratio is at 28.60. AI-DB-G is valued rather expensively when compared to this.
- A Price/Forward Earnings ratio of 96.34 indicates a quite expensive valuation of AI-DB-G.
- AI-DB-G's Price/Forward Earnings is on the same level as the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 25.83. AI-DB-G is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.3 | ||
| Fwd PE | 96.34 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of AI-DB-G indicates a slightly more expensive valuation: AI-DB-G is more expensive than 64.29% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 620.82 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The decent profitability rating of AI-DB-G may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)53.8
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
5. Dividend
5.1 Amount
- AI-DB-G has a Yearly Dividend Yield of 7.96%, which is a nice return.
- Compared to an average industry Dividend Yield of 5.64, AI-DB-G pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, AI-DB-G pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.96% |
5.2 History
- The dividend of AI-DB-G has a limited annual growth rate of 3.99%.
- AI-DB-G 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-G. This is not a sustainable payout ratio.
- AI-DB-G'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%
ATRIUM MORTGAGE INV CORP / AI-DB-G.CA FAQ
What is the ChartMill fundamental rating of ATRIUM MORTGAGE INV CORP (AI-DB-G.CA) stock?
ChartMill assigns a fundamental rating of 3 / 10 to AI-DB-G.CA.
What is the valuation status for AI-DB-G stock?
ChartMill assigns a valuation rating of 1 / 10 to ATRIUM MORTGAGE INV CORP (AI-DB-G.CA). This can be considered as Overvalued.
Can you provide the profitability details for ATRIUM MORTGAGE INV CORP?
ATRIUM MORTGAGE INV CORP (AI-DB-G.CA) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for AI-DB-G stock?
The Price/Earnings (PE) ratio for ATRIUM MORTGAGE INV CORP (AI-DB-G.CA) is 97.3 and the Price/Book (PB) ratio is 9.09.
Can you provide the financial health for AI-DB-G stock?
The financial health rating of ATRIUM MORTGAGE INV CORP (AI-DB-G.CA) is 3 / 10.