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(AIdbf.CA) Stock Fundamental Analysis

TSX:AIdbf - Toronto Stock Exchange -

98.52  -0.47 (-0.47%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to AIdbf. AIdbf was compared to 28 industry peers in the Financial Services industry. Both the profitability and the financial health of AIdbf get a neutral evaluation. Nothing too spectacular is happening here. AIdbf does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

AIdbf had positive earnings in the past year.
AIdbf had a positive operating cash flow in the past year.
Of the past 5 years AIdbf 4 years were profitable.
Of the past 5 years AIdbf 4 years had a positive operating cash flow.
AIdbf.CA Yearly Net Income VS EBIT VS OCF VS FCFAIdbf.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M

1.2 Ratios

Looking at the Return On Assets, with a value of 5.20%, AIdbf is in the better half of the industry, outperforming 60.71% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.53%, AIdbf belongs to the top of the industry, outperforming 82.14% of the companies in the same industry.
AIdbf has a Return On Invested Capital of 6.01%. This is in the better half of the industry: AIdbf outperforms 75.00% of its industry peers.
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 5.22%.
The 3 year average ROIC (5.78%) for AIdbf is below the current ROIC(6.01%), indicating increased profibility in the last year.
Industry RankSector 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%
AIdbf.CA Yearly ROA, ROE, ROICAIdbf.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 46.77%, AIdbf is in the better half of the industry, outperforming 60.71% of the companies in the same industry.
In the last couple of years the Profit Margin of AIdbf has declined.
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 RankSector 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
AIdbf.CA Yearly Profit, Operating, Gross MarginsAIdbf.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 20 40 60 80

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4

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.
AIdbf.CA Yearly Shares OutstandingAIdbf.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M
AIdbf.CA Yearly Total Debt VS Total AssetsAIdbf.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M

2.2 Solvency

AIdbf has an Altman-Z score of 7.21. This indicates that AIdbf is financially healthy and has little risk of bankruptcy at the moment.
AIdbf has a better Altman-Z score (7.21) than 60.71% 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 amongst the best in the industry. AIdbf outperforms 89.29% 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 RankSector Rank
Debt/Equity 0.8
Debt/FCF 4.75
Altman-Z 7.21
ROIC/WACCN/A
WACCN/A
AIdbf.CA Yearly LT Debt VS Equity VS FCFAIdbf.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M

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 82.14% of its industry peers.
A Quick Ratio of 0.01 indicates that AIdbf may have some problems paying its short term obligations.
With a Quick 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.
Industry RankSector Rank
Current Ratio 0.01
Quick Ratio 0.01
AIdbf.CA Yearly Current Assets VS Current LiabilitesAIdbf.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M 500M

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1

3. Growth

3.1 Past

The earnings per share for AIdbf have decreased by -6.36% in the last year.
The Earnings Per Share has been growing slightly by 1.81% on average over the past years.
EPS 1Y (TTM)-6.36%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-7.41%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

The Earnings Per Share is expected to grow by 0.03% on average over the next years.
AIdbf is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -3.66% yearly.
EPS Next Y0.06%
EPS Next 2Y0.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-7.79%
Revenue Next 2Y-3.66%
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.
AIdbf.CA Yearly Revenue VS EstimatesAIdbf.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
AIdbf.CA Yearly EPS VS EstimatesAIdbf.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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2

4. Valuation

4.1 Price/Earnings Ratio

AIdbf is valuated quite expensively with a Price/Earnings ratio of 95.65.
AIdbf's Price/Earnings ratio is in line with the industry average.
AIdbf is valuated expensively when we compare the Price/Earnings ratio to 27.15, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 93.77, the valuation of AIdbf can be described as expensive.
Based on the Price/Forward Earnings ratio, AIdbf is valued a bit cheaper than 60.71% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of AIdbf to the average of the S&P500 Index (21.60), we can say AIdbf is valued expensively.
Industry RankSector Rank
PE 95.65
Fwd PE 93.77
AIdbf.CA Price Earnings VS Forward Price EarningsAIdbf.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

AIdbf's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. AIdbf is cheaper than 78.57% of the companies in the same industry.
Industry RankSector Rank
P/FCF 55.83
EV/EBITDA N/A
AIdbf.CA Per share dataAIdbf.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.
The decent profitability rating of AIdbf may justify a higher PE ratio.
PEG (NY)1673.88
PEG (5Y)52.89
EPS Next 2Y0.03%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

AIdbf has a Yearly Dividend Yield of 8.05%, which is a nice return.
AIdbf's Dividend Yield is a higher than the industry average which is at 7.22.
AIdbf's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
Industry RankSector Rank
Dividend Yield 8.05%

5.2 History

The dividend of AIdbf has a limited annual growth rate of 3.99%.
AIdbf is new to the dividend game and has less than 3 years of track record.
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.
AIdbf's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP96.53%
EPS Next 2Y0.03%
EPS Next 3YN/A
AIdbf.CA Yearly Income VS Free CF VS DividendAIdbf.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M
AIdbf.CA Dividend Payout.AIdbf.CA Dividend Payout, showing the Payout Ratio.AIdbf.CA Dividend Payout.PayoutRetained Earnings

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TSX:AIdbf (6/27/2025, 7:00:00 PM)

98.52

-0.47 (-0.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-13 2025-05-13/amc
Earnings (Next)08-06 2025-08-06
Inst Owners2.14%
Inst Owner ChangeN/A
Ins Owners5.02%
Ins Owner ChangeN/A
Market Cap4.67B
Analysts84
Price Target116.58 (18.33%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.05%
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)-0.22%
PT rev (3m)-0.22%
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 RankSector Rank
PE 95.65
Fwd PE 93.77
P/S 46.49
P/FCF 55.83
P/OCF 55.83
P/B 9.47
P/tB 9.47
EV/EBITDA N/A
EPS(TTM)1.03
EY1.05%
EPS(NY)1.05
Fwd EY1.07%
FCF(TTM)1.76
FCFY1.79%
OCF(TTM)1.76
OCFY1.79%
SpS2.12
BVpS10.4
TBVpS10.4
PEG (NY)1673.88
PEG (5Y)52.89
Profitability
Industry RankSector 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 RankSector 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 7.21
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)-6.36%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-7.41%
EPS Next Y0.06%
EPS Next 2Y0.03%
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-7.79%
Revenue Next 2Y-3.66%
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%