ATRIUM MORTGAGE INVESTMENT C (AI.CA) Stock Fundamental Analysis
Canada - TSX:AI - CA04964G1000 - Common Stock
11.68 CAD
+0.06 (+0.52%)
Taking everything into account, AI scores 4 out of 10 in our fundamental rating. AI was compared to 29 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.
In the past 5 years AI has always been profitable.
Each year in the past 5 years AI had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 5.48%, AI is doing good in the industry, outperforming 75.86% of the companies in the same industry.
AI has a better Return On Equity (9.40%) than 79.31% of its industry peers.
The Return On Invested Capital of AI (6.07%) is better than 86.21% of its industry peers.
The Average Return On Invested Capital over the past 3 years for AI is in line with the industry average of 5.62%.
| 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
Looking at the Profit Margin, with a value of 54.60%, AI is in the better half of the industry, outperforming 75.86% of the companies in the same industry.
AI's Profit Margin has declined in the last couple of years.
AI has a better Operating Margin (79.88%) than 96.55% of its industry peers.
In the last couple of years the Operating Margin of AI has declined.
| 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.
AI has more shares outstanding than it did 5 years ago.
The debt/assets ratio for AI has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.85, we must say that AI is in the distress zone and has some risk of bankruptcy.
AI has a worse Altman-Z score (0.85) than 72.41% of its industry peers.
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 of 50.47. This is comparable to the rest of the industry: AI outperforms 48.28% of 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.
AI's Debt to Equity ratio of 0.63 is fine compared to the rest of the industry. AI outperforms 68.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 50.47 | ||
| Altman-Z | 0.85 |
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.
The Current ratio of AI (0.00) is worse than 86.21% 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 86.21% 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 0.00%.
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.
The Revenue for AI has decreased by -10.99% in the past year. This is quite bad
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)0%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%3.85%
Revenue 1Y (TTM)-10.99%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-15.02%
3.2 Future
AI is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.20% yearly.
AI is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.43% yearly.
EPS Next Y-2.4%
EPS Next 2Y-1.2%
EPS Next 3YN/A
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.
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
With a Price/Earnings ratio of 11.23, the valuation of AI can be described as very reasonable.
Based on the Price/Earnings ratio, AI is valued cheaply inside the industry as 82.76% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of AI to the average of the S&P500 Index (27.41), we can say AI is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.40, the valuation of AI can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AI indicates a somewhat cheap valuation: AI is cheaper than 79.31% of the companies listed in the same industry.
AI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.88, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.23 | ||
| Fwd PE | 11.4 |
4.2 Price Multiples
AI's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 75.8 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)6.21
EPS Next 2Y-1.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.98%, AI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.71, AI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, AI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.98% |
5.2 History
The dividend of AI has a limited annual growth rate of 3.99%.
AI has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.99%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
86.84% of the earnings are spent on dividend by AI. This is not a sustainable payout ratio.
The Dividend Rate of AI has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP86.84%
EPS Next 2Y-1.2%
EPS Next 3YN/A
TSX:AI (9/18/2025, 7:00:00 PM)
11.68
+0.06 (+0.52%)
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 Cap556.79M
Analysts84
Price Target13.25 (13.44%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.98% |
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)0.5%
PT rev (3m)0.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.85%
EPS NY rev (1m)-2.45%
EPS NY rev (3m)-2.45%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.13%
Revenue NY rev (3m)-5.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.23 | ||
| Fwd PE | 11.4 | ||
| P/S | 6.17 | ||
| P/FCF | 75.8 | ||
| P/OCF | 75.8 | ||
| P/B | 1.06 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.04
EY8.9%
EPS(NY)1.02
Fwd EY8.77%
FCF(TTM)0.15
FCFY1.32%
OCF(TTM)0.15
OCFY1.32%
SpS1.89
BVpS11
TBVpS11
PEG (NY)N/A
PEG (5Y)6.21
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%
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 Turnover0.1
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 | 0.85 |
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)0%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%3.85%
EPS Next Y-2.4%
EPS Next 2Y-1.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-10.99%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-15.02%
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%