(AIdbf.CA) Stock Fundamental Analysis
TSX:AIdbf - Toronto Stock Exchange -
Overall AIdbf gets a fundamental rating of 4 out of 10. We evaluated AIdbf against 32 industry peers in the Financial Services industry. AIdbf has a medium profitability rating, but doesn't score so well on its financial health evaluation. AIdbf does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year AIdbf was profitable.
AIdbf had a positive operating cash flow in the past year.
In the past 5 years AIdbf has always been profitable.
In the past 5 years AIdbf always reported a positive cash flow from operatings.
1.2 Ratios
AIdbf's Return On Assets of 5.20% is fine compared to the rest of the industry. AIdbf outperforms 65.63% of its industry peers.
With a decent Return On Equity value of 9.53%, AIdbf is doing good in the industry, outperforming 71.88% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 6.01%, AIdbf is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
AIdbf had an Average Return On Invested Capital over the past 3 years of 5.78%. This is in line with the industry average of 5.84%.
The 3 year average ROIC (5.78%) for AIdbf 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%, AIdbf is in the better half of the industry, outperforming 68.75% of the companies in the same industry.
AIdbf's Profit Margin has declined in the last couple of years.
The Operating Margin of AIdbf (73.96%) is better than 90.63% of its industry peers.
In the last couple of years the Operating Margin of AIdbf has remained more or less at the same level.
| 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
The number of shares outstanding for AIdbf has been increased compared to 1 year ago.
AIdbf has more shares outstanding than it did 5 years ago.
The debt/assets ratio for AIdbf has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 7.13 indicates that AIdbf is not in any danger for bankruptcy at the moment.
AIdbf's Altman-Z score of 7.13 is fine compared to the rest of the industry. AIdbf outperforms 62.50% of its industry peers.
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 has a Debt to FCF ratio of 4.75. This is comparable to the rest of the industry: AIdbf outperforms 53.13% 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.
AIdbf has a Debt to Equity ratio (0.80) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 4.75 | ||
| Altman-Z | 7.13 |
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.
AIdbf's Current ratio of 0.01 is on the low side compared to the rest of the industry. AIdbf is outperformed by 90.63% of its industry peers.
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.
Looking at the Quick ratio, with a value of 0.01, AIdbf is doing worse than 90.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.01 | ||
| Quick Ratio | 0.01 |
3. Growth
3.1 Past
AIdbf shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -11.02%.
Measured over the past 5 years, AIdbf shows a small growth in Earnings Per Share. The EPS has been growing by 3.71% on average per year.
AIdbf shows a small growth in Revenue. In the last year, the Revenue has grown by 4.92%.
The Revenue has been growing by 11.07% on average over the past years. This is quite good.
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
AIdbf is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -3.00% yearly.
The Revenue is expected to decrease by -3.69% on average over the next years.
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
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
The Price/Earnings ratio is 93.09, which means the current valuation is very expensive for AIdbf.
AIdbf's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 29.35. AIdbf is valued rather expensively when compared to this.
With a Price/Forward Earnings ratio of 90.81, AIdbf can be considered very expensive at the moment.
AIdbf's Price/Forward Earnings ratio is in line with the industry average.
AIdbf's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.10.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 93.09 | ||
| Fwd PE | 90.81 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AIdbf indicates a somewhat cheap valuation: AIdbf is cheaper than 62.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 55.17 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The decent profitability rating of AIdbf may justify a higher PE ratio.
A cheap valuation may be justified as AIdbf's earnings are expected to decrease with -3.00% in the coming years.
PEG (NY)N/A
PEG (5Y)25.07
EPS Next 2Y-2.83%
EPS Next 3Y-3%
5. Dividend
5.1 Amount
AIdbf has a Yearly Dividend Yield of 8.80%, which is a nice return.
Compared to an average industry Dividend Yield of 8.05, AIdbf pays a bit more dividend than its industry peers.
AIdbf'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 AIdbf has a limited annual growth rate of 2.97%.
AIdbf does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)2.97%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
AIdbf pays out 96.53% of its income as dividend. 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-2.83%
EPS Next 3Y-3%
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 Cap4.62B
Analysts84
Price Target116.84 (19.54%)
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 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%
PT rev (3m)1.96%
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 | 93.09 | ||
| Fwd PE | 90.81 | ||
| P/S | 45.94 | ||
| P/FCF | 55.17 | ||
| P/OCF | 55.17 | ||
| P/B | 9.36 | ||
| P/tB | 9.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.05
EY1.07%
EPS(NY)1.08
Fwd EY1.1%
FCF(TTM)1.77
FCFY1.81%
OCF(TTM)1.77
OCFY1.81%
SpS2.13
BVpS10.44
TBVpS10.44
PEG (NY)N/A
PEG (5Y)25.07
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 | 7.13 |
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%