(AIdbf.CA) Stock Fundamental Analysis
Canada - TSX:AIdbf -
98.78
-0.12 (-0.12%)
We assign a fundamental rating of 3 out of 10 to AIdbf. AIdbf was compared to 28 industry peers in the Financial Services industry. There are concerns on the financial health of AIdbf while its profitability can be described as average. AIdbf is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year AIdbf was profitable.
AIdbf had a positive operating cash flow in the past year.
AIdbf had positive earnings in 4 of the past 5 years.
Of the past 5 years AIdbf 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of AIdbf (5.20%) is better than 60.71% of its industry peers.
AIdbf has a Return On Equity of 9.53%. This is amongst the best in the industry. AIdbf outperforms 82.14% of its industry peers.
The Return On Invested Capital of AIdbf (6.01%) is better than 75.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for AIdbf is in line with the industry average of 5.12%.
The last Return On Invested Capital (6.01%) for AIdbf is above the 3 year average (5.78%), which is a sign of increasing profitability.
| 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
AIdbf's Profit Margin of 46.77% is fine compared to the rest of the industry. AIdbf outperforms 60.71% of its industry peers.
AIdbf's Profit Margin has declined in the last couple of years.
AIdbf's Operating Margin of 73.96% is amongst the best of the industry. AIdbf outperforms 82.14% of its industry peers.
AIdbf'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
There is no outstanding debt for AIdbf. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
AIdbf has an Altman-Z score of 7.26. This indicates that AIdbf is financially healthy and has little risk of bankruptcy at the moment.
With a decent Altman-Z score value of 7.26, AIdbf is doing good in the industry, outperforming 60.71% of the companies in the same industry.
AIdbf has a debt to FCF ratio of 4.75. This is a neutral value as AIdbf would need 4.75 years to pay back of all of its debts.
AIdbf's Debt to FCF ratio of 4.75 is fine compared to the rest of the industry. AIdbf outperforms 75.00% of its industry peers.
AIdbf has a Debt/Equity ratio of 0.80. This is a neutral value indicating AIdbf is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.80, AIdbf is in line with its industry, outperforming 53.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 4.75 | ||
| Altman-Z | 7.26 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.01 indicates that AIdbf may have some problems paying its short term obligations.
With a Current ratio value of 0.01, AIdbf is not doing good in the industry: 82.14% of the companies in the same industry are doing better.
AIdbf has a Quick Ratio of 0.01. This is a bad value and indicates that AIdbf is not financially healthy enough and could expect problems in meeting its short term obligations.
AIdbf's Quick ratio of 0.01 is on the low side compared to the rest of the industry. AIdbf is outperformed by 82.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.01 | ||
| Quick Ratio | 0.01 |
3. Growth
3.1 Past
AIdbf shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by 0.00%.
Measured over the past 5 years, AIdbf shows a small growth in Earnings Per Share. The EPS has been growing by 1.81% on average per year.
EPS 1Y (TTM)0%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%3.85%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
3.2 Future
Based on estimates for the next years, AIdbf will show a decrease in Earnings Per Share. The EPS will decrease by -1.20% on average per year.
The Revenue is expected to decrease by -7.43% on average over the next years.
EPS Next Y-2.4%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 94.98 indicates a quite expensive valuation of AIdbf.
AIdbf's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.30, AIdbf is valued quite expensively.
A Price/Forward Earnings ratio of 96.38 indicates a quite expensive valuation of AIdbf.
The rest of the industry has a similar Price/Forward Earnings ratio as AIdbf.
The average S&P500 Price/Forward Earnings ratio is at 22.73. AIdbf is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 94.98 | ||
| Fwd PE | 96.38 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AIdbf is valued a bit cheaper than 64.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 56.24 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The decent profitability rating of AIdbf may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)52.52
EPS Next 2Y-1.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
AIdbf has a Yearly Dividend Yield of 7.98%, which is a nice return.
AIdbf's Dividend Yield is a higher than the industry average which is at 6.71.
AIdbf's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.98% |
5.2 History
The dividend of AIdbf has a limited annual growth rate of 3.99%.
AIdbf does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)3.99%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
96.53% of the earnings are spent on dividend by AIdbf. This is not a sustainable payout ratio.
The Dividend Rate of AIdbf has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP96.53%
EPS Next 2Y-1.2%
EPS Next 3YN/A
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners2.14%
Inst Owner ChangeN/A
Ins Owners5.02%
Ins Owner ChangeN/A
Market Cap4.71B
Analysts84
Price Target112.39 (13.78%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.98% |
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP96.53%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)0.88%
PT rev (3m)-3.37%
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 | 94.98 | ||
| Fwd PE | 96.38 | ||
| P/S | 46.83 | ||
| P/FCF | 56.24 | ||
| P/OCF | 56.24 | ||
| P/B | 9.54 | ||
| P/tB | 9.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.04
EY1.05%
EPS(NY)1.02
Fwd EY1.04%
FCF(TTM)1.76
FCFY1.78%
OCF(TTM)1.76
OCFY1.78%
SpS2.11
BVpS10.35
TBVpS10.35
PEG (NY)N/A
PEG (5Y)52.52
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 | 7.26 |
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)0%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%3.85%
EPS Next Y-2.4%
EPS Next 2Y-1.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year-12.85%
Revenue Next 2Y-7.43%
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%