ATRIUM MORTGAGE INVESTMENT C (AI.CA) Stock Fundamental Analysis
Canada - TSX:AI - CA04964G1000 - Common Stock
11.11 CAD
-0.1 (-0.89%)
AI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 27 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 it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year AI was profitable.
In the past year AI had a positive cash flow from operations.
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 has a better Return On Assets (5.48%) than 81.48% of its industry peers.
AI's Return On Equity of 9.40% is amongst the best of the industry. AI outperforms 81.48% of its industry peers.
AI has a better Return On Invested Capital (6.07%) than 88.89% 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 5.61%.
| 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 77.78% of its industry peers.
In the last couple of years the Profit Margin of AI has declined.
AI has a Operating Margin of 79.88%. This is amongst the best in 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 | 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
AI has more shares outstanding than it did 1 year ago.
The number of shares outstanding for AI has been increased compared to 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 0.80, we must say that AI is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.80, AI is not doing good in the industry: 77.78% of the companies in the same industry are doing better.
AI has a debt to FCF ratio of 50.47. This is a negative value and a sign of low solvency as AI would need 50.47 years to pay back of 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.
With a decent Debt to Equity ratio value of 0.63, AI is doing good in the industry, outperforming 70.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 50.47 | ||
| Altman-Z | 0.8 |
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 85.19% of its industry peers.
A Quick Ratio of 0.00 indicates that AI may have some problems paying 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 85.19% 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 0.00%.
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%.
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
Based on estimates for the next years, AI will show a decrease in Earnings Per Share. The EPS will decrease by -1.20% on average per year.
AI is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.43% yearly.
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
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
AI is valuated reasonably with a Price/Earnings ratio of 10.68.
Based on the Price/Earnings ratio, AI is valued cheaper than 85.19% of the companies in the same industry.
When comparing the Price/Earnings ratio of AI to the average of the S&P500 Index (25.89), we can say AI is valued rather cheaply.
The Price/Forward Earnings ratio is 10.84, which indicates a very decent valuation of AI.
AI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AI is cheaper than 77.78% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, AI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.68 | ||
| Fwd PE | 10.84 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AI is valued a bit cheaper than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 72.11 | ||
| 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)5.91
EPS Next 2Y-1.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.30%, AI is a good candidate for dividend investing.
AI's Dividend Yield is a higher than the industry average which is at 6.79.
Compared to an average S&P500 Dividend Yield of 2.44, AI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.3% |
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 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 (11/14/2025, 7:00:00 PM)
11.11
-0.1 (-0.89%)
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 Cap529.61M
Revenue(TTM)90.29M
Net Income(TTM)49.30M
Analysts84
Price Target13.25 (19.26%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.3% |
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)0%
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)-2.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.68 | ||
| Fwd PE | 10.84 | ||
| P/S | 5.87 | ||
| P/FCF | 72.11 | ||
| P/OCF | 72.11 | ||
| P/B | 1.01 | ||
| P/tB | 1.01 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.04
EY9.36%
EPS(NY)1.02
Fwd EY9.22%
FCF(TTM)0.15
FCFY1.39%
OCF(TTM)0.15
OCFY1.39%
SpS1.89
BVpS11
TBVpS11
PEG (NY)N/A
PEG (5Y)5.91
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 | 0.8 |
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%
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.