ATRIUM MORTGAGE INVESTMENT C (AI.CA) Stock Fundamental Analysis
Canada - TSX:AI - CA04964G1000 - Common Stock
11.49 CAD
+0.04 (+0.35%)
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.
AI had a positive operating cash flow in the past year.
Each year in the past 5 years AI has been profitable.
Each year in the past 5 years AI had a positive operating cash flow.
1.2 Ratios
AI has a better Return On Assets (5.48%) than 78.57% of its industry peers.
Looking at the Return On Equity, with a value of 9.40%, AI is in the better half of the industry, outperforming 78.57% of the companies in the same industry.
The Return On Invested Capital of AI (6.07%) is better than 92.86% of its industry peers.
AI had an Average Return On Invested Capital over the past 3 years of 6.60%. This is in line with the industry average of 4.85%.
| 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 Profit Margin of 54.60%. This is in the better half of the industry: AI outperforms 75.00% of its industry peers.
AI's Profit Margin has declined in the last couple of years.
With an excellent Operating Margin value of 79.88%, AI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
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.
With a Altman-Z score value of 0.83, AI is not doing good in the industry: 71.43% of the companies in the same industry are doing better.
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.
A Debt/Equity ratio of 0.63 indicates that AI is somewhat dependend on debt financing.
AI has a better Debt to Equity ratio (0.63) than 71.43% 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.
With a Current ratio value of 0.00, AI is not doing good in the industry: 85.71% of the companies in the same industry are doing better.
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
The earnings per share for AI have decreased by 0.00% in the last year.
The Earnings Per Share has been growing slightly by 1.81% on average over the past years.
AI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.99%.
The Revenue has been growing by 8.01% on average over the past years. This is quite good.
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
The Earnings Per Share is expected to decrease by -1.20% on average over the next years.
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 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
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 11.05, which indicates a very decent valuation of AI.
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 27.67, AI is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.21, the valuation of AI can be described as reasonable.
78.57% of the companies in the same industry are more expensive than AI, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.33, AI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.05 | ||
| Fwd PE | 11.21 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AI is valued a bit cheaper than the industry average as 60.71% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 74.57 | ||
| 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)6.11
EPS Next 2Y-1.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.12%, AI is a good candidate for dividend investing.
AI's Dividend Yield is a higher than the industry average which is at 6.69.
AI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.12% |
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
AI pays out 86.84% of its income as dividend. 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 (10/22/2025, 7:00:00 PM)
11.49
+0.04 (+0.35%)
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 Cap547.73M
Revenue(TTM)90.29M
Net Income(TTM)49.30M
Analysts84
Price Target13.25 (15.32%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.12% |
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)0.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.01%
EPS NY rev (3m)-0.49%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.05 | ||
| Fwd PE | 11.21 | ||
| P/S | 6.07 | ||
| P/FCF | 74.57 | ||
| P/OCF | 74.57 | ||
| P/B | 1.04 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.04
EY9.05%
EPS(NY)1.02
Fwd EY8.92%
FCF(TTM)0.15
FCFY1.34%
OCF(TTM)0.15
OCFY1.34%
SpS1.89
BVpS11
TBVpS11
PEG (NY)N/A
PEG (5Y)6.11
Graham Number16.04
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)0%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%3.85%
EPS Next Y-0.43%
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%