ATRIUM MORTGAGE INVESTMENT C (AI.CA) Stock Fundamental Analysis
TSX:AI - Toronto Stock Exchange - CA04964G1000 - Common Stock - Currency: CAD
Overall AI gets a fundamental rating of 4 out of 10. We evaluated AI against 32 industry peers in the Financial Services industry. AI has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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
In the past year AI was profitable.
AI had a positive operating cash flow in the past year.
Each year in the past 5 years AI has been profitable.
AI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
AI's Return On Assets of 5.20% is fine compared to the rest of the industry. AI outperforms 71.88% of its industry peers.
AI has a Return On Equity of 9.53%. This is in the better half of the industry: AI outperforms 78.13% of its industry peers.
AI has a Return On Invested Capital of 6.01%. This is amongst the best in the industry. AI outperforms 81.25% 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 5.84%.
The 3 year average ROIC (5.78%) for AI is below the current ROIC(6.01%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.2% | ||
| ROE | 9.53% | ||
| ROIC | 6.01% |
ROA(3y)5.52%
ROA(5y)5.39%
ROE(3y)9.77%
ROE(5y)9.25%
ROIC(3y)5.78%
ROIC(5y)5.6%
1.3 Margins
Looking at the Profit Margin, with a value of 46.77%, AI is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
AI's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 73.96%, AI belongs to the top of the industry, outperforming 96.88% of the companies in the same industry.
AI's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 73.96% | ||
| PM (TTM) | 46.77% | ||
| GM | N/A |
OM growth 3Y-1.12%
OM growth 5Y-1.38%
PM growth 3Y-4.66%
PM growth 5Y-2.04%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
Compared to 1 year ago, AI has more shares outstanding
AI has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, AI has an improved debt to assets ratio.
2.2 Solvency
AI has an Altman-Z score of 1.12. 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 1.12. This is in the lower half of the industry: AI underperforms 75.00% of its industry peers.
The Debt to FCF ratio of AI is 4.75, which is a neutral value as it means it would take AI, 4.75 years of fcf income to pay off all of its debts.
AI's Debt to FCF ratio of 4.75 is in line compared to the rest of the industry. AI outperforms 59.38% of its industry peers.
AI has a Debt/Equity ratio of 0.80. This is a neutral value indicating AI is somewhat dependend on debt financing.
AI has a Debt to Equity ratio of 0.80. This is in the better half of the industry: AI outperforms 62.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 4.75 | ||
| Altman-Z | 1.12 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
AI has a Current Ratio of 0.01. 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 Current ratio (0.01) than 84.38% of its industry peers.
AI has a Quick Ratio of 0.01. 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 Quick ratio of 0.01. This is amonst the worse of the industry: AI underperforms 84.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.01 | ||
| Quick Ratio | 0.01 |
3. Growth
3.1 Past
The earnings per share for AI have decreased strongly by -11.02% in the last year.
AI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.71% yearly.
Looking at the last year, AI shows a small growth in Revenue. The Revenue has grown by 4.92% in the last year.
Measured over the past years, AI shows a quite strong growth in Revenue. The Revenue has been growing by 11.07% on average per year.
EPS 1Y (TTM)-11.02%
EPS 3Y7.41%
EPS 5Y3.71%
EPS Q2Q%4%
Revenue 1Y (TTM)4.92%
Revenue growth 3Y14.88%
Revenue growth 5Y11.07%
Sales Q2Q%-3.53%
3.2 Future
The Earnings Per Share is expected to decrease by -3.00% 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 -3.69% on average per year.
EPS Next Y-6.49%
EPS Next 2Y-2.83%
EPS Next 3Y-3%
EPS Next 5YN/A
Revenue Next Year0.65%
Revenue Next 2Y-3.69%
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
Based on the Price/Earnings ratio of 10.33, the valuation of AI can be described as reasonable.
AI's Price/Earnings ratio is a bit cheaper when compared to the industry. AI is cheaper than 78.13% of the companies in the same industry.
AI is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 10.08, the valuation of AI can be described as reasonable.
Based on the Price/Forward Earnings ratio, AI is valued a bit cheaper than 78.13% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of AI to the average of the S&P500 Index (22.10), we can say AI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.33 | ||
| Fwd PE | 10.08 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AI is valued cheaper than 90.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.12 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AI has a very decent profitability rating, which may justify a higher PE ratio.
A cheap valuation may be justified as AI's earnings are expected to decrease with -3.00% in the coming years.
PEG (NY)N/A
PEG (5Y)2.78
EPS Next 2Y-2.83%
EPS Next 3Y-3%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.80%, AI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 8.05, 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 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.8% |
5.2 History
The dividend of AI has a limited annual growth rate of 2.97%.
AI has paid a dividend for at least 10 years, which is a reliable track record.
AI has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.97%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
96.53% of the earnings are spent on dividend by AI. This is not a sustainable payout ratio.
AI's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP96.53%
EPS Next 2Y-2.83%
EPS Next 3Y-3%
TSX:AI (3/7/2025, 7:00:00 PM)
10.85
+0.28 (+2.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners5.14%
Inst Owner ChangeN/A
Ins Owners4.24%
Ins Owner ChangeN/A
Market Cap512.77M
Analysts84
Price Target13.3 (22.58%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.8% |
Yearly Dividend0.97
Dividend Growth(5Y)2.97%
DP96.53%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.77%
Min EPS beat(2)-6.51%
Max EPS beat(2)0.97%
EPS beat(4)2
Avg EPS beat(4)0.19%
Min EPS beat(4)-6.51%
Max EPS beat(4)9.22%
EPS beat(8)4
Avg EPS beat(8)-1.7%
EPS beat(12)5
Avg EPS beat(12)-1.95%
EPS beat(16)6
Avg EPS beat(16)-2.93%
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)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.33 | ||
| Fwd PE | 10.08 | ||
| P/S | 5.1 | ||
| P/FCF | 6.12 | ||
| P/OCF | 6.12 | ||
| P/B | 1.04 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.05
EY9.68%
EPS(NY)1.08
Fwd EY9.92%
FCF(TTM)1.77
FCFY16.33%
OCF(TTM)1.77
OCFY16.33%
SpS2.13
BVpS10.44
TBVpS10.44
PEG (NY)N/A
PEG (5Y)2.78
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.2% | ||
| ROE | 9.53% | ||
| ROCE | 8.35% | ||
| ROIC | 6.01% | ||
| ROICexc | 6.01% | ||
| ROICexgc | 6.01% | ||
| OM | 73.96% | ||
| PM (TTM) | 46.77% | ||
| GM | N/A | ||
| FCFM | 83.27% |
ROA(3y)5.52%
ROA(5y)5.39%
ROE(3y)9.77%
ROE(5y)9.25%
ROIC(3y)5.78%
ROIC(5y)5.6%
ROICexc(3y)5.78%
ROICexc(5y)5.6%
ROICexgc(3y)5.78%
ROICexgc(5y)5.6%
ROCE(3y)8.02%
ROCE(5y)7.77%
ROICexcg growth 3Y8.55%
ROICexcg growth 5Y4.97%
ROICexc growth 3Y8.55%
ROICexc growth 5Y4.97%
OM growth 3Y-1.12%
OM growth 5Y-1.38%
PM growth 3Y-4.66%
PM growth 5Y-2.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 4.75 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.05 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 178.04% | ||
| Current Ratio | 0.01 | ||
| Quick Ratio | 0.01 | ||
| Altman-Z | 1.12 |
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)145.99%
Profit Quality(5y)141.28%
High Growth Momentum
Growth
EPS 1Y (TTM)-11.02%
EPS 3Y7.41%
EPS 5Y3.71%
EPS Q2Q%4%
EPS Next Y-6.49%
EPS Next 2Y-2.83%
EPS Next 3Y-3%
EPS Next 5YN/A
Revenue 1Y (TTM)4.92%
Revenue growth 3Y14.88%
Revenue growth 5Y11.07%
Sales Q2Q%-3.53%
Revenue Next Year0.65%
Revenue Next 2Y-3.69%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.98%
EBIT growth 3Y13.59%
EBIT growth 5Y9.53%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y24.94%
FCF growth 3Y11.08%
FCF growth 5Y13.43%
OCF growth 1Y24.94%
OCF growth 3Y11.08%
OCF growth 5Y13.26%