ATRIUM MORTGAGE INVESTMENT C (AI.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:AI - CA04964G1000 - Common Stock
11.66 CAD
0 (0%)
Overall AI gets a fundamental rating of 4 out of 10. We evaluated AI against 28 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.
- AI had positive earnings in each of the past 5 years.
- Each year in the past 5 years AI had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 5.54%, AI is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
- AI has a Return On Equity of 9.41%. This is in the better half of the industry: AI outperforms 78.57% of its industry peers.
- AI has a Return On Invested Capital of 6.08%. This is amongst the best in the industry. AI outperforms 82.14% 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 7.80%.
| 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
- AI has a Profit Margin of 57.12%. This is amongst the best in the industry. AI outperforms 92.86% of its industry peers.
- In the last couple of years the Profit Margin of AI has declined.
- With an excellent Operating Margin value of 81.49%, 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 | 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
- The debt/assets ratio for AI has been reduced compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 1.19, we must say that AI is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of AI (1.19) is worse than 67.86% 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.
- With a Debt to FCF ratio value of 46.98, AI perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
- AI has a Debt/Equity ratio of 0.59. This is a neutral value indicating AI is somewhat dependend on debt financing.
- The Debt to Equity ratio of AI (0.59) is better than 64.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 46.98 | ||
| Altman-Z | 1.19 |
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.
- AI has a Current ratio of 0.00. This is amonst the worse of the industry: AI underperforms 85.71% of its industry peers.
- 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.
- With a Quick 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.
| 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%.
- The Earnings Per Share has been growing slightly by 1.81% on average over the past years.
- 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 0.34% yearly.
- AI is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -6.94% yearly.
EPS Next Y-0.43%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
EPS Next 5YN/A
Revenue Next Year-12.76%
Revenue Next 2Y-6.94%
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
- With a Price/Earnings ratio of 11.32, the valuation of AI can be described as very reasonable.
- Based on the Price/Earnings ratio, AI is valued a bit cheaper than 78.57% of the companies in the same industry.
- AI is valuated cheaply when we compare the Price/Earnings ratio to 27.25, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 11.21, 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 71.43% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of AI to the average of the S&P500 Index (25.98), we can say AI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.32 | ||
| 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 | 72.23 | ||
| 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)6.26
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
5. Dividend
5.1 Amount
- AI has a Yearly Dividend Yield of 7.96%, which is a nice return.
- Compared to an average industry Dividend Yield of 5.64, 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 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.96% |
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
- 88.11% of the earnings are spent on dividend by AI. This is not a sustainable payout ratio.
- AI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP88.11%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
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 for AI stock?
ChartMill assigns a valuation rating of 6 / 10 to ATRIUM MORTGAGE INVESTMENT C (AI.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for ATRIUM MORTGAGE INVESTMENT C?
ATRIUM MORTGAGE INVESTMENT C (AI.CA) has a profitability rating of 6 / 10.
What is the financial health of ATRIUM MORTGAGE INVESTMENT C (AI.CA) stock?
The financial health rating of ATRIUM MORTGAGE INVESTMENT C (AI.CA) is 2 / 10.
What is the earnings growth outlook for ATRIUM MORTGAGE INVESTMENT C?
The Earnings per Share (EPS) of ATRIUM MORTGAGE INVESTMENT C (AI.CA) is expected to decline by -0.43% in the next year.