ATRIUM MORTGAGE INVESTMENT C (AI.CA) Fundamental Analysis & Valuation

TSX:AI • CA04964G1000

Current stock price

11.51 CAD
-0.09 (-0.78%)
Last:

This AI.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. AI.CA Profitability Analysis

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.
  • In the past 5 years AI always reported a positive cash flow from operatings.
AI.CA Yearly Net Income VS EBIT VS OCF VS FCFAI.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

1.2 Ratios

  • AI has a better Return On Assets (5.49%) than 76.67% of its industry peers.
  • AI's Return On Equity of 9.34% is fine compared to the rest of the industry. AI outperforms 80.00% of its industry peers.
  • AI has a Return On Invested Capital of 6.04%. This is in the better half of the industry: AI outperforms 70.00% 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 7.42%.
Industry RankSector Rank
ROA 5.49%
ROE 9.34%
ROIC 6.04%
ROA(3y)5.63%
ROA(5y)5.52%
ROE(3y)9.76%
ROE(5y)9.58%
ROIC(3y)6.71%
ROIC(5y)6.19%
AI.CA Yearly ROA, ROE, ROICAI.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of AI (57.63%) is better than 93.33% of its industry peers.
  • AI's Profit Margin has been stable in the last couple of years.
  • Looking at the Operating Margin, with a value of 81.73%, AI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • AI's Operating Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 81.73%
PM (TTM) 57.63%
GM N/A
OM growth 3Y-1.92%
OM growth 5Y0.13%
PM growth 3Y-0.85%
PM growth 5Y-0.89%
GM growth 3YN/A
GM growth 5YN/A
AI.CA Yearly Profit, Operating, Gross MarginsAI.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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1

2. AI.CA Health Analysis

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 a worse debt to assets ratio.
AI.CA Yearly Shares OutstandingAI.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
AI.CA Yearly Total Debt VS Total AssetsAI.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.2 Solvency

  • Based on the Altman-Z score of 1.17, we must say that AI is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.17, AI is doing worse than 60.00% of the companies in the same industry.
  • The Debt to FCF ratio of AI is 20.51, which is on the high side as it means it would take AI, 20.51 years of fcf income to pay off all of its debts.
  • AI's Debt to FCF ratio of 20.51 is fine compared to the rest of the industry. AI outperforms 63.33% of its industry peers.
  • AI has a Debt/Equity ratio of 0.58. This is a neutral value indicating AI is somewhat dependend on debt financing.
  • The Debt to Equity ratio of AI (0.58) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.58
Debt/FCF 20.51
Altman-Z 1.17
ROIC/WACCN/A
WACCN/A
AI.CA Yearly LT Debt VS Equity VS FCFAI.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.3 Liquidity

  • A Current Ratio of 0.00 indicates that AI may have some problems paying its short term obligations.
  • AI's Current ratio of 0.00 is on the low side compared to the rest of the industry. AI is outperformed by 86.67% 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.
  • The Quick ratio of AI (0.00) is worse than 86.67% of its industry peers.
Industry RankSector Rank
Current Ratio 0
Quick Ratio 0
AI.CA Yearly Current Assets VS Current LiabilitesAI.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. AI.CA Growth Analysis

3.1 Past

  • The earnings per share for AI have decreased by -2.86% in the last year.
  • AI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.09% yearly.
  • Looking at the last year, AI shows a very negative growth in Revenue. The Revenue has decreased by -12.46% in the last year.
  • AI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.54% yearly.
EPS 1Y (TTM)-2.86%
EPS 3Y-1.58%
EPS 5Y2.09%
EPS Q2Q%-3.85%
Revenue 1Y (TTM)-12.46%
Revenue growth 3Y2.8%
Revenue growth 5Y5.54%
Sales Q2Q%-7.38%

3.2 Future

  • AI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.99% yearly.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y1.49%
EPS Next 2Y1.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.73%
Revenue Next 2YN/A
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 stable.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
AI.CA Yearly Revenue VS EstimatesAI.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
AI.CA Yearly EPS VS EstimatesAI.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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5

4. AI.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.28, which indicates a very decent valuation of AI.
  • Based on the Price/Earnings ratio, AI is valued cheaply inside the industry as 86.67% of the companies are valued more expensively.
  • AI is valuated cheaply when we compare the Price/Earnings ratio to 24.88, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 11.12, 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 76.67% of the companies in the same industry.
  • AI's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.19.
Industry RankSector Rank
PE 11.28
Fwd PE 11.12
AI.CA Price Earnings VS Forward Price EarningsAI.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, AI is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 31.8
EV/EBITDA N/A
AI.CA Per share dataAI.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • AI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)7.6
PEG (5Y)5.41
EPS Next 2Y1.99%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. AI.CA Dividend Analysis

5.1 Amount

  • AI has a Yearly Dividend Yield of 8.15%, which is a nice return.
  • AI's Dividend Yield is a higher than the industry average which is at 5.62.
  • AI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 8.15%

5.2 History

  • The dividend of AI has a limited annual growth rate of 0.16%.
  • AI has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0.16%
Div Incr Years0
Div Non Decr Years0
AI.CA Yearly Dividends per shareAI.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 90.03% of the earnings are spent on dividend by AI. This is not a sustainable payout ratio.
  • The dividend of AI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP90.03%
EPS Next 2Y1.99%
EPS Next 3YN/A
AI.CA Yearly Income VS Free CF VS DividendAI.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
AI.CA Dividend Payout.AI.CA Dividend Payout, showing the Payout Ratio.AI.CA Dividend Payout.PayoutRetained Earnings

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AI.CA Fundamentals: All Metrics, Ratios and Statistics

ATRIUM MORTGAGE INVESTMENT C

TSX:AI (3/27/2026, 7:00:00 PM)

11.51

-0.09 (-0.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26
Earnings (Next)05-11
Inst Owners2%
Inst Owner ChangeN/A
Ins Owners4.99%
Ins Owner ChangeN/A
Market Cap552.13M
Revenue(TTM)85.14M
Net Income(TTM)49.06M
Analysts84
Price Target13.26 (15.2%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.15%
Yearly Dividend0.93
Dividend Growth(5Y)0.16%
DP90.03%
Div Incr Years0
Div Non Decr Years0
Ex-Date05-29
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.78%
Min EPS beat(2)-6.65%
Max EPS beat(2)-2.91%
EPS beat(4)1
Avg EPS beat(4)-0.81%
Min EPS beat(4)-6.65%
Max EPS beat(4)9.22%
EPS beat(8)4
Avg EPS beat(8)1.27%
EPS beat(12)6
Avg EPS beat(12)-0.48%
EPS beat(16)7
Avg EPS beat(16)-0.87%
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)-0.5%
EPS NY rev (3m)-0.5%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 11.28
Fwd PE 11.12
P/S 6.48
P/FCF 31.8
P/OCF 31.8
P/B 1.05
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)1.02
EY8.86%
EPS(NY)1.04
Fwd EY8.99%
FCF(TTM)0.36
FCFY3.14%
OCF(TTM)0.36
OCFY3.14%
SpS1.77
BVpS10.95
TBVpS10.95
PEG (NY)7.6
PEG (5Y)5.41
Graham Number15.85
Profitability
Industry RankSector Rank
ROA 5.49%
ROE 9.34%
ROCE 8.4%
ROIC 6.04%
ROICexc 6.04%
ROICexgc 6.04%
OM 81.73%
PM (TTM) 57.63%
GM N/A
FCFM 20.39%
ROA(3y)5.63%
ROA(5y)5.52%
ROE(3y)9.76%
ROE(5y)9.58%
ROIC(3y)6.71%
ROIC(5y)6.19%
ROICexc(3y)6.71%
ROICexc(5y)6.19%
ROICexgc(3y)6.71%
ROICexgc(5y)6.19%
ROCE(3y)11.74%
ROCE(5y)10.05%
ROICexgc growth 3Y1.84%
ROICexgc growth 5Y3.5%
ROICexc growth 3Y1.84%
ROICexc growth 5Y3.5%
OM growth 3Y-1.92%
OM growth 5Y0.13%
PM growth 3Y-0.85%
PM growth 5Y-0.89%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 0.58
Debt/FCF 20.51
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 3.46
Cash Conversion N/A
Profit Quality 35.39%
Current Ratio 0
Quick Ratio 0
Altman-Z 1.17
F-Score4
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)109.31%
Profit Quality(5y)123.15%
High Growth Momentum
Growth
EPS 1Y (TTM)-2.86%
EPS 3Y-1.58%
EPS 5Y2.09%
EPS Q2Q%-3.85%
EPS Next Y1.49%
EPS Next 2Y1.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.46%
Revenue growth 3Y2.8%
Revenue growth 5Y5.54%
Sales Q2Q%-7.38%
Revenue Next Year-0.73%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-5.75%
EBIT growth 3Y0.83%
EBIT growth 5Y5.67%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-74.51%
FCF growth 3Y-33.13%
FCF growth 5Y-21%
OCF growth 1Y-74.51%
OCF growth 3Y-33.13%
OCF growth 5Y-21%

ATRIUM MORTGAGE INVESTMENT C / AI.CA Fundamental Analysis 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 5 / 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 1 / 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 grow by 1.49% in the next year.