ATRIUM MORTGAGE INVESTMENT C (AI.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:AI - CA04964G1000 - Common Stock
11.39 CAD
+0.02 (+0.18%)
AI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 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.
AI had positive earnings in each of the past 5 years.
In the past 5 years AI always reported a positive cash flow from operatings.
1.2 Ratios
AI's Return On Assets of 5.54% is fine compared to the rest of the industry. AI outperforms 78.57% of its industry peers.
AI has a Return On Equity of 9.41%. This is amongst the best in the industry. AI outperforms 82.14% of its industry peers.
With an excellent Return On Invested Capital value of 6.08%, AI belongs to the best of the industry, outperforming 89.29% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for AI is in line with the industry average of 5.82%.
| 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
With an excellent Profit Margin value of 57.12%, AI belongs to the best of the industry, outperforming 92.86% of the companies in the same industry.
In the last couple of years the Profit Margin of AI has declined.
AI's Operating Margin of 81.49% is amongst the best of the industry. AI outperforms 100.00% of its industry peers.
In the last couple of years the Operating Margin of AI has declined.
| 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 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 1.17. This is a bad value and indicates that AI is not financially healthy and even has some risk of bankruptcy.
AI has a Altman-Z score of 1.17. This is in the lower half of the industry: AI underperforms 71.43% of its industry peers.
AI has a debt to FCF ratio of 46.98. This is a negative value and a sign of low solvency as AI would need 46.98 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 46.98, AI is in line with its industry, outperforming 57.14% of the companies in the same industry.
A Debt/Equity ratio of 0.59 indicates that AI is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.59, AI is doing good in the industry, outperforming 67.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 46.98 | ||
| Altman-Z | 1.17 |
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.
Looking at the Current ratio, with a value of 0.00, AI is doing worse than 85.71% of the companies in the same industry.
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 has a worse Quick ratio (0.00) than 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%.
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.
Looking at the last year, AI shows a very negative growth in Revenue. The Revenue has decreased by -13.66% 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)-13.66%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-14.18%
3.2 Future
AI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.47% yearly.
Based on estimates for the next years, AI will show a decrease in Revenue. The Revenue will decrease by -7.43% on average per year.
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
With a Price/Earnings ratio of 11.06, the valuation of AI can be described as very reasonable.
AI's Price/Earnings ratio is rather cheap when compared to the industry. AI is cheaper than 85.71% of the companies in the same industry.
When comparing the Price/Earnings ratio of AI to the average of the S&P500 Index (26.37), we can say AI is valued rather cheaply.
AI is valuated reasonably with a Price/Forward Earnings ratio of 11.11.
AI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AI is cheaper than 75.00% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.20, AI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.06 | ||
| Fwd PE | 11.11 |
4.2 Price Multiples
AI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. AI is cheaper than 67.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 70.56 | ||
| 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)6.11
EPS Next 2Y-1.2%
EPS Next 3Y0.47%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.11%, AI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.73, 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 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.11% |
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 88.11% 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.
DP88.11%
EPS Next 2Y-1.2%
EPS Next 3Y0.47%
TSX:AI (12/3/2025, 7:00:00 PM)
11.39
+0.02 (+0.18%)
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 Cap544.56M
Revenue(TTM)86.81M
Net Income(TTM)49.59M
Analysts84
Price Target13.25 (16.33%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.11% |
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP88.11%
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)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)0%
PT rev (3m)0%
EPS NQ rev (1m)4%
EPS NQ rev (3m)4%
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 | 11.06 | ||
| Fwd PE | 11.11 | ||
| P/S | 6.27 | ||
| P/FCF | 70.56 | ||
| P/OCF | 70.56 | ||
| P/B | 1.03 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY9.04%
EPS(NY)1.02
Fwd EY9%
FCF(TTM)0.16
FCFY1.42%
OCF(TTM)0.16
OCFY1.42%
SpS1.82
BVpS11.02
TBVpS11.02
PEG (NY)N/A
PEG (5Y)6.11
Graham Number15.98
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.17 |
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)-13.66%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-14.18%
Revenue Next Year-12.85%
Revenue Next 2Y-7.43%
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 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.