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

Canada • Toronto Stock Exchange • TSX:AI-DB-G • CA04964GAJ90

100.95 CAD
+0.45 (+0.45%)
Last: Feb 2, 2026, 07:00 PM
Fundamental Rating

3

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 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-G was profitable.
  • AI-DB-G had a positive operating cash flow in the past year.
  • In the past 5 years AI-DB-G has always been profitable.
  • In the past 5 years AI-DB-G always reported a positive cash flow from operatings.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

1.2 Ratios

  • With a decent Return On Assets value of 5.54%, AI-DB-G is doing good in the industry, outperforming 64.29% of the companies in the same industry.
  • With a decent Return On Equity value of 9.41%, AI-DB-G is doing good in the industry, outperforming 71.43% of the companies in the same industry.
  • With a decent Return On Invested Capital value of 6.08%, AI-DB-G is doing good in the industry, outperforming 75.00% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for AI-DB-G is in line with the industry average of 7.95%.
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-G.CA Yearly ROA, ROE, ROICAI-DB-G.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-G belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
  • In the last couple of years the Profit Margin of AI-DB-G has declined.
  • With an excellent Operating Margin value of 81.49%, AI-DB-G belongs to the best of the industry, outperforming 92.86% of the companies in the same industry.
  • In the last couple of years the Operating Margin of AI-DB-G has declined.
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-G.CA Yearly Profit, Operating, Gross MarginsAI-DB-G.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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3

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, AI-DB-G has more shares outstanding
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

  • An Altman-Z score of 8.16 indicates that AI-DB-G is not in any danger for bankruptcy at the moment.
  • AI-DB-G has a better Altman-Z score (8.16) than 75.00% of its industry peers.
  • AI-DB-G has a debt to FCF ratio of 46.98. This is a negative value and a sign of low solvency as AI-DB-G would need 46.98 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 46.98, AI-DB-G perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
  • A Debt/Equity ratio of 0.59 indicates that AI-DB-G is somewhat dependend on debt financing.
  • AI-DB-G has a Debt to Equity ratio of 0.59. This is comparable to the rest of the industry: AI-DB-G outperforms 57.14% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 46.98
Altman-Z 8.16
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.3 Liquidity

  • A Current Ratio of 0.00 indicates that AI-DB-G may have some problems paying its short term obligations.
  • AI-DB-G has a worse Current ratio (0.00) than 92.86% of its industry peers.
  • A Quick Ratio of 0.00 indicates that AI-DB-G may have some problems paying its short term obligations.
  • The Quick ratio of AI-DB-G (0.00) is worse than 92.86% of its industry peers.
Industry RankSector Rank
Current Ratio 0
Quick Ratio 0
AI-DB-G.CA Yearly Current Assets VS Current LiabilitesAI-DB-G.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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2

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%.
  • Measured over the past 5 years, AI-DB-G shows a small growth in Earnings Per Share. The EPS has been growing by 1.81% on average per year.
  • AI-DB-G 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

  • Based on estimates for the next years, AI-DB-G will show a small growth in Earnings Per Share. The EPS will grow by 0.34% 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 -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.
AI-DB-G.CA Yearly Revenue VS EstimatesAI-DB-G.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-G.CA Yearly EPS VS EstimatesAI-DB-G.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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4. Valuation

4.1 Price/Earnings Ratio

  • AI-DB-G is valuated quite expensively with a Price/Earnings ratio of 98.01.
  • AI-DB-G's Price/Earnings is on the same level as the industry average.
  • AI-DB-G's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 28.41.
  • AI-DB-G is valuated quite expensively with a Price/Forward Earnings ratio of 97.04.
  • AI-DB-G's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.64, AI-DB-G is valued quite expensively.
Industry RankSector Rank
PE 98.01
Fwd PE 97.04
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 80 100

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 67.86% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 625.34
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

  • The decent profitability rating of AI-DB-G may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)54.2
EPS Next 2Y-0.46%
EPS Next 3Y0.34%

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5. Dividend

5.1 Amount

  • AI-DB-G has a Yearly Dividend Yield of 7.93%, which is a nice return.
  • Compared to an average industry Dividend Yield of 5.61, AI-DB-G pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.83, AI-DB-G pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.93%

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%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 (2/2/2026, 7:00:00 PM)

100.95

+0.45 (+0.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-12
Earnings (Next)02-12
Inst Owners1.9%
Inst Owner ChangeN/A
Ins Owners4.99%
Ins Owner ChangeN/A
Market Cap4.83B
Revenue(TTM)86.81M
Net Income(TTM)49.59M
Analysts84
Price Target114.65 (13.57%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.93%
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)1.34%
PT rev (3m)-0.63%
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 98.01
Fwd PE 97.04
P/S 55.6
P/FCF 625.34
P/OCF 625.34
P/B 9.16
P/tB 9.16
EV/EBITDA N/A
EPS(TTM)1.03
EY1.02%
EPS(NY)1.04
Fwd EY1.03%
FCF(TTM)0.16
FCFY0.16%
OCF(TTM)0.16
OCFY0.16%
SpS1.82
BVpS11.02
TBVpS11.02
PEG (NY)N/A
PEG (5Y)54.2
Graham Number15.98
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 8.16
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-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 98.01 and the Price/Book (PB) ratio is 9.16.


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.