ATRIUM MORTGAGE INVESTMENT C (AI.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:AI - CA04964G1000 - Common Stock
11.42 CAD
+0.13 (+1.15%)
Taking everything into account, AI scores 4 out of 10 in our fundamental rating. AI was compared to 28 industry peers in the Financial Services industry. While AI is still in line with the averages on profitability rating, there are concerns on its financial health. AI has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
AI had positive earnings in the past year.
In the past year AI had a positive cash flow from operations.
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
Looking at the Return On Assets, with a value of 5.48%, AI is in the better half of the industry, outperforming 78.57% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.40%, AI belongs to the top of the industry, outperforming 82.14% of the companies in the same industry.
AI has a Return On Invested Capital of 6.07%. 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 5.58%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.48% | ||
| ROE | 9.4% | ||
| ROIC | 6.07% |
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 has a better Profit Margin (54.60%) than 75.00% of its industry peers.
AI's Profit Margin has declined in the last couple of years.
The Operating Margin of AI (79.88%) is better than 100.00% of its industry peers.
AI's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 79.88% | ||
| PM (TTM) | 54.6% | ||
| 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 has been increased compared to 1 year ago.
Compared to 5 years ago, AI has more shares outstanding
Compared to 1 year ago, AI has an improved debt to assets ratio.
2.2 Solvency
AI has an Altman-Z score of 0.83. This is a bad value and indicates that AI is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.83, AI is doing worse than 75.00% of the companies in the same industry.
The Debt to FCF ratio of AI is 50.47, which is on the high side as it means it would take AI, 50.47 years of fcf income to pay off all of its debts.
AI has a Debt to FCF ratio (50.47) which is in line with its industry peers.
AI has a Debt/Equity ratio of 0.63. This is a neutral value indicating AI is somewhat dependend on debt financing.
The Debt to Equity ratio of AI (0.63) is better than 67.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 50.47 | ||
| Altman-Z | 0.83 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.00 indicates that AI may have some problems paying its short term obligations.
AI has a worse Current ratio (0.00) than 85.71% of its industry peers.
AI has a Quick 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 Quick 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.
| 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 -1.90%.
The Earnings Per Share has been growing slightly by 1.81% on average over the past years.
Looking at the last year, AI shows a decrease in Revenue. The Revenue has decreased by -1.33% in the last year.
AI 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)-1.33%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%N/A
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 0.47% on average per year.
The Revenue is expected to decrease by -7.43% on average over the next years.
EPS Next Y-0.43%
EPS Next 2Y-1.2%
EPS Next 3Y0.47%
EPS Next 5YN/A
Revenue Next Year-12.85%
Revenue Next 2Y-7.43%
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 11.09, the valuation of AI can be described as reasonable.
Based on the Price/Earnings ratio, AI is valued cheaply inside the industry as 85.71% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 25.98, AI is valued rather cheaply.
AI is valuated reasonably with a Price/Forward Earnings ratio of 11.14.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AI indicates a somewhat cheap valuation: AI is cheaper than 78.57% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.79. AI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.09 | ||
| Fwd PE | 11.14 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AI indicates a somewhat cheap valuation: AI is cheaper than 64.29% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 74.33 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The decent profitability rating of AI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)6.13
EPS Next 2Y-1.2%
EPS Next 3Y0.47%
5. Dividend
5.1 Amount
AI has a Yearly Dividend Yield of 8.38%, which is a nice return.
Compared to an average industry Dividend Yield of 6.89, AI pays a bit more dividend than its industry peers.
AI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.38% |
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
AI pays out 86.84% of its income as dividend. This is not a sustainable payout ratio.
The dividend of AI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP86.84%
EPS Next 2Y-1.2%
EPS Next 3Y0.47%
TSX:AI (11/25/2025, 7:00:00 PM)
11.42
+0.13 (+1.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.73%
Inst Owner ChangeN/A
Ins Owners5%
Ins Owner ChangeN/A
Market Cap545.99M
Revenue(TTM)97.26M
Net Income(TTM)49.30M
Analysts84
Price Target13.25 (16.02%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.38% |
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP86.84%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)3
Avg EPS beat(4)4.26%
Min EPS beat(4)-2.91%
Max EPS beat(4)9.75%
EPS beat(8)4
Avg EPS beat(8)-0.45%
EPS beat(12)7
Avg EPS beat(12)0.28%
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)2.01%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.09 | ||
| Fwd PE | 11.14 | ||
| P/S | 6.05 | ||
| P/FCF | 74.33 | ||
| P/OCF | 74.33 | ||
| P/B | 1.04 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY9.02%
EPS(NY)1.02
Fwd EY8.97%
FCF(TTM)0.15
FCFY1.35%
OCF(TTM)0.15
OCFY1.35%
SpS1.89
BVpS10.97
TBVpS10.97
PEG (NY)N/A
PEG (5Y)6.13
Graham Number15.94
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.48% | ||
| ROE | 9.4% | ||
| ROCE | 12.2% | ||
| ROIC | 6.07% | ||
| ROICexc | 6.07% | ||
| ROICexgc | 6.07% | ||
| OM | 79.88% | ||
| PM (TTM) | 54.6% | ||
| GM | N/A | ||
| FCFM | 8.14% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 50.47 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 2.92 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 14.9% | ||
| Current Ratio | 0 | ||
| Quick Ratio | 0 | ||
| Altman-Z | 0.83 |
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-1.2%
EPS Next 3Y0.47%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.33%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%N/A
Revenue Next Year-12.85%
Revenue Next 2Y-7.43%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-2.16%
EBIT growth 3Y10.77%
EBIT growth 5Y5.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-88.7%
FCF growth 3Y0.12%
FCF growth 5Y7.25%
OCF growth 1Y-88.7%
OCF growth 3Y0.12%
OCF growth 5Y7.25%
ATRIUM MORTGAGE INVESTMENT C / AI.CA FAQ
What is the ChartMill fundamental rating of ATRIUM MORTGAGE INVESTMENT C (AI.CA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to AI.CA.
What is the valuation status of ATRIUM MORTGAGE INVESTMENT C (AI.CA) stock?
ChartMill assigns a valuation rating of 6 / 10 to ATRIUM MORTGAGE INVESTMENT C (AI.CA). This can be considered as Fairly Valued.
What is the profitability of AI stock?
ATRIUM MORTGAGE INVESTMENT C (AI.CA) has a profitability rating of 6 / 10.
How financially healthy is ATRIUM MORTGAGE INVESTMENT C?
The financial health rating of ATRIUM MORTGAGE INVESTMENT C (AI.CA) is 2 / 10.
What is the expected EPS growth for ATRIUM MORTGAGE INVESTMENT C (AI.CA) stock?
The Earnings per Share (EPS) of ATRIUM MORTGAGE INVESTMENT C (AI.CA) is expected to decline by -0.43% in the next year.