ATRIUM MORTGAGE INV CORP (AI-DB-G.CA) Stock Price, Quote, News and Overview
TSX:AI-DB-G - Toronto Stock Exchange - CA04964GAJ90 - Currency: CAD
We assign a fundamental rating of 4 out of 10 to AI-DB-G. AI-DB-G was compared to 28 industry peers in the Financial Services industry. Both the profitability and the financial health of AI-DB-G get a neutral evaluation. Nothing too spectacular is happening here. AI-DB-G is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
AI-DB-G had positive earnings in the past year.
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
Looking at the Return On Assets, with a value of 5.59%, AI-DB-G belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.17%, AI-DB-G is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 6.45%, AI-DB-G belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for AI-DB-G is in line with the industry average of 5.22%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.59% | ||
| ROE | 9.17% | ||
| ROIC | 6.45% |
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 50.74%. This is in the better half of the industry: AI-DB-G outperforms 71.43% of its industry peers.
AI-DB-G's Profit Margin has declined in the last couple of years.
AI-DB-G's Operating Margin of 76.84% is amongst the best of the industry. AI-DB-G outperforms 92.86% of its industry peers.
AI-DB-G's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 76.84% | ||
| PM (TTM) | 50.74% | ||
| 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
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.
2.2 Solvency
An Altman-Z score of 8.42 indicates that AI-DB-G is not in any danger for bankruptcy at the moment.
With a decent Altman-Z score value of 8.42, AI-DB-G is doing good in the industry, outperforming 64.29% of the companies in the same industry.
AI-DB-G has a debt to FCF ratio of 4.84. This is a neutral value as AI-DB-G would need 4.84 years to pay back of all of its debts.
AI-DB-G has a Debt to FCF ratio of 4.84. This is amongst the best in the industry. AI-DB-G outperforms 82.14% of its industry peers.
AI-DB-G has a Debt/Equity ratio of 0.55. This is a neutral value indicating AI-DB-G is somewhat dependend on debt financing.
AI-DB-G's Debt to Equity ratio of 0.55 is fine compared to the rest of the industry. AI-DB-G outperforms 67.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.55 | ||
| Debt/FCF | 4.84 | ||
| Altman-Z | 8.42 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.00 indicates that AI-DB-G may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.00, AI-DB-G is doing worse than 89.29% of the companies in the same industry.
A Quick Ratio of 0.00 indicates that AI-DB-G may have some problems paying its short term obligations.
AI-DB-G's Quick ratio of 0.00 is on the low side compared to the rest of the industry. AI-DB-G is outperformed by 89.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0 | ||
| Quick Ratio | 0 |
3. Growth
3.1 Past
The earnings per share for AI-DB-G have decreased by -6.36% in the last year.
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 decrease in Revenue. In the last year, the revenue decreased by -6.02%.
Measured over the past years, AI-DB-G shows a quite strong growth in Revenue. The Revenue has been growing by 8.01% on average per year.
EPS 1Y (TTM)-6.36%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-7.41%
Revenue 1Y (TTM)-6.02%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-12.82%
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 0.03% on average per year.
AI-DB-G is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -3.66% yearly.
EPS Next Y0.06%
EPS Next 2Y0.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-7.79%
Revenue Next 2Y-3.66%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 93.20, the valuation of AI-DB-G can be described as expensive.
The rest of the industry has a similar Price/Earnings ratio as AI-DB-G.
The average S&P500 Price/Earnings ratio is at 27.45. AI-DB-G is valued rather expensively when compared to this.
A Price/Forward Earnings ratio of 91.38 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 21.90. AI-DB-G is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 93.2 | ||
| Fwd PE | 91.38 |
4.2 Price Multiples
AI-DB-G's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. AI-DB-G is cheaper than 67.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 67.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The decent profitability rating of AI-DB-G may justify a higher PE ratio.
PEG (NY)1631.07
PEG (5Y)51.54
EPS Next 2Y0.03%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.05%, AI-DB-G is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 7.22, AI-DB-G has a dividend in line with its industry peers.
AI-DB-G's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.05% |
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
88.21% 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.
DP88.21%
EPS Next 2Y0.03%
EPS Next 3YN/A
TSX:AI-DB-G (7/2/2025, 7:00:00 PM)
96
-2.8 (-2.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners2.14%
Inst Owner ChangeN/A
Ins Owners5.02%
Ins Owner ChangeN/A
Market Cap4.56B
Analysts84
Price Target115.67 (20.49%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.05% |
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP88.21%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.42%
Min EPS beat(2)-2.91%
Max EPS beat(2)9.75%
EPS beat(4)2
Avg EPS beat(4)0.33%
Min EPS beat(4)-6.51%
Max EPS beat(4)9.75%
EPS beat(8)4
Avg EPS beat(8)-1.16%
EPS beat(12)6
Avg EPS beat(12)-0.74%
EPS beat(16)6
Avg EPS beat(16)-1.27%
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)-6.69%
PT rev (3m)-1.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 93.2 | ||
| Fwd PE | 91.38 | ||
| P/S | 48.44 | ||
| P/FCF | 67.95 | ||
| P/OCF | 67.95 | ||
| P/B | 8.75 | ||
| P/tB | 8.75 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY1.07%
EPS(NY)1.05
Fwd EY1.09%
FCF(TTM)1.41
FCFY1.47%
OCF(TTM)1.41
OCFY1.47%
SpS1.98
BVpS10.97
TBVpS10.97
PEG (NY)1631.07
PEG (5Y)51.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.59% | ||
| ROE | 9.17% | ||
| ROCE | 12.3% | ||
| ROIC | 6.45% | ||
| ROICexc | 6.45% | ||
| ROICexgc | 6.45% | ||
| OM | 76.84% | ||
| PM (TTM) | 50.74% | ||
| GM | N/A | ||
| FCFM | 71.29% |
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%
ROICexcg growth 3Y10.01%
ROICexcg 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 Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.55 | ||
| Debt/FCF | 4.84 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.27 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 140.5% | ||
| Current Ratio | 0 | ||
| Quick Ratio | 0 | ||
| Altman-Z | 8.42 |
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)-6.36%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-7.41%
EPS Next Y0.06%
EPS Next 2Y0.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.02%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-12.82%
Revenue Next Year-7.79%
Revenue Next 2Y-3.66%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.75%
EBIT growth 3Y10.77%
EBIT growth 5Y5.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y10.31%
FCF growth 3Y0.12%
FCF growth 5Y7.25%
OCF growth 1Y10.31%
OCF growth 3Y0.12%
OCF growth 5Y7.25%