ATRIUM MORTGAGE INVESTMENT C (AI.CA) Stock Fundamental Analysis
TSX:AI - Toronto Stock Exchange - CA04964G1000 - Common Stock - Currency: CAD
AI gets a fundamental rating of 4 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 while its profitability can be described as average. AI is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
AI had positive earnings in the past year.
AI had a positive operating cash flow in the past year.
Each year in the past 5 years AI has been profitable.
In the past 5 years AI always reported a positive cash flow from operatings.
1.2 Ratios
AI has a Return On Assets of 5.59%. This is amongst the best in the industry. AI outperforms 89.29% of its industry peers.
AI's Return On Equity of 9.17% is fine compared to the rest of the industry. AI outperforms 78.57% of its industry peers.
AI has a Return On Invested Capital of 6.45%. This is amongst the best in the industry. AI outperforms 89.29% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for AI 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's Profit Margin of 50.74% is fine compared to the rest of the industry. AI outperforms 75.00% of its industry peers.
AI's Profit Margin has declined in the last couple of years.
AI has a Operating Margin of 76.84%. This is amongst the best in the industry. AI outperforms 96.43% of its industry peers.
AI'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 has more shares outstanding
The number of shares outstanding for AI has been increased compared to 5 years ago.
AI has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.97, we must say that AI is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of AI (0.97) is worse than 71.43% of its industry peers.
AI has a debt to FCF ratio of 4.84. This is a neutral value as AI would need 4.84 years to pay back of all of its debts.
The Debt to FCF ratio of AI (4.84) is better than 85.71% of its industry peers.
AI has a Debt/Equity ratio of 0.55. This is a neutral value indicating AI is somewhat dependend on debt financing.
AI has a better Debt to Equity ratio (0.55) than 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.55 | ||
| Debt/FCF | 4.84 | ||
| Altman-Z | 0.97 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
AI has a Current Ratio of 0.00. This is a bad value and indicates that AI is not financially healthy enough and could expect problems in meeting its short term obligations.
AI's Current ratio of 0.00 is on the low side compared to the rest of the industry. AI is outperformed by 85.71% of its industry peers.
A Quick Ratio of 0.00 indicates that AI may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.00, AI is doing worse than 85.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0 | ||
| Quick Ratio | 0 |
3. Growth
3.1 Past
AI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.36%.
Measured over the past 5 years, AI shows a small growth in Earnings Per Share. The EPS has been growing by 1.81% on average per year.
AI shows a decrease in Revenue. In the last year, the revenue decreased by -6.02%.
Measured over the past years, AI 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 will show a small growth in Earnings Per Share. The EPS will grow by 0.03% on average per year.
AI 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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
The Price/Earnings ratio is 10.83, which indicates a very decent valuation of AI.
Based on the Price/Earnings ratio, AI is valued a bit cheaper than 78.57% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.45. AI is valued rather cheaply when compared to this.
AI is valuated reasonably with a Price/Forward Earnings ratio of 10.62.
AI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AI is cheaper than 78.57% of the companies in the same industry.
AI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.90.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.83 | ||
| Fwd PE | 10.62 |
4.2 Price Multiples
AI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AI is cheaper than 92.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.9 | ||
| 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.
AI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)189.61
PEG (5Y)5.99
EPS Next 2Y0.03%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.32%, AI is a good candidate for dividend investing.
AI's Dividend Yield is comparable with the industry average which is at 7.28.
AI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.32% |
5.2 History
The dividend of AI has a limited annual growth rate of 3.99%.
AI has been paying a dividend for at least 10 years, so it has a reliable track record.
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. This is not a sustainable payout ratio.
AI'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 (7/4/2025, 7:00:00 PM)
11.16
-0.02 (-0.18%)
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 Cap529.54M
Analysts84
Price Target13.18 (18.1%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.32% |
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP88.21%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)0.27%
PT rev (3m)-0.88%
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 | 10.83 | ||
| Fwd PE | 10.62 | ||
| P/S | 5.63 | ||
| P/FCF | 7.9 | ||
| P/OCF | 7.9 | ||
| P/B | 1.02 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY9.23%
EPS(NY)1.05
Fwd EY9.41%
FCF(TTM)1.41
FCFY12.66%
OCF(TTM)1.41
OCFY12.66%
SpS1.98
BVpS10.97
TBVpS10.97
PEG (NY)189.61
PEG (5Y)5.99
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 | 0.97 |
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%