(AIdbf.CA) Stock Fundamental Analysis
Canada - TSX:AIdbf -
100.06
-0.11 (-0.11%)
Taking everything into account, AIdbf scores 3 out of 10 in our fundamental rating. AIdbf was compared to 27 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 is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year AIdbf was profitable.
In the past year AIdbf had a positive cash flow from operations.
Of the past 5 years AIdbf 4 years were profitable.
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 62.96% of its industry peers.
With an excellent Return On Equity value of 9.53%, AIdbf belongs to the best of the industry, outperforming 85.19% 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 77.78% 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 5.55%.
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 in line compared to the rest of the industry. AIdbf outperforms 59.26% of its industry peers.
AIdbf's Profit Margin has declined in the last couple of years.
With an excellent Operating Margin value of 73.96%, AIdbf belongs to the best of the industry, outperforming 85.19% of the companies in the same industry.
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 7.35. This indicates that AIdbf is financially healthy and has little risk of bankruptcy at the moment.
AIdbf has a Altman-Z score of 7.35. This is comparable to the rest of the industry: AIdbf outperforms 59.26% 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.
The Debt to FCF ratio of AIdbf (4.75) is better than 74.07% of its industry peers.
A Debt/Equity ratio of 0.80 indicates that AIdbf is somewhat dependend on debt financing.
AIdbf has a Debt to Equity ratio (0.80) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 4.75 | ||
| Altman-Z | 7.35 |
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 has a Current ratio of 0.01. This is amonst the worse of the industry: AIdbf underperforms 81.48% of its industry peers.
A Quick Ratio of 0.01 indicates that AIdbf may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.01, AIdbf is doing worse than 81.48% 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 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-0.43%
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
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 96.21, which means the current valuation is very expensive for AIdbf.
AIdbf's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of AIdbf to the average of the S&P500 Index (26.06), we can say AIdbf is valued expensively.
A Price/Forward Earnings ratio of 97.63 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 32.73. AIdbf is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 96.21 | ||
| Fwd PE | 97.63 |
4.2 Price Multiples
AIdbf's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. AIdbf is cheaper than 70.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 56.97 | ||
| 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)53.2
EPS Next 2Y-1.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.20%, AIdbf is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.86, 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 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.2% |
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
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-1.2%
EPS Next 3YN/A
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.73%
Inst Owner ChangeN/A
Ins Owners5%
Ins Owner ChangeN/A
Market Cap4.77B
Revenue(TTM)N/A
Net Income(TTM)47.03M
Analysts84
Price Target114.63 (14.56%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.2% |
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)2.89%
PT rev (3m)2.9%
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 | 96.21 | ||
| Fwd PE | 97.63 | ||
| P/S | 47.44 | ||
| P/FCF | 56.97 | ||
| P/OCF | 56.97 | ||
| P/B | 9.66 | ||
| P/tB | 9.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.04
EY1.04%
EPS(NY)1.02
Fwd EY1.02%
FCF(TTM)1.76
FCFY1.76%
OCF(TTM)1.76
OCFY1.76%
SpS2.11
BVpS10.35
TBVpS10.35
PEG (NY)N/A
PEG (5Y)53.2
Graham Number15.57
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%
ROICexgc growth 3Y8.55%
ROICexgc 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 | 7.35 |
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-0.43%
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%
/ AIdbf.CA FAQ
Can you provide the ChartMill fundamental rating for ?
ChartMill assigns a fundamental rating of 3 / 10 to AIdbf.CA.
What is the valuation status of (AIdbf.CA) stock?
ChartMill assigns a valuation rating of 2 / 10 to (AIdbf.CA). This can be considered as Overvalued.
How profitable is (AIdbf.CA) stock?
(AIdbf.CA) has a profitability rating of 6 / 10.
Can you provide the financial health for AIdbf stock?
The financial health rating of (AIdbf.CA) is 3 / 10.
What is the expected EPS growth for (AIdbf.CA) stock?
The Earnings per Share (EPS) of (AIdbf.CA) is expected to decline by -0.43% in the next year.