(AIdbf.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:AIdbf -
100
0 (0%)
Overall AIdbf gets a fundamental rating of 4 out of 10. We evaluated AIdbf against 28 industry peers in the Financial Services industry. AIdbf has only an average score on both its financial health and profitability. AIdbf is valued expensive and it does not seem to be growing.
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.
AIdbf had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
AIdbf has a Return On Assets of 5.20%. This is in the better half of the industry: AIdbf outperforms 64.29% of its industry peers.
Looking at the Return On Equity, with a value of 9.53%, AIdbf belongs to the top of the industry, outperforming 85.71% 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.
Measured over the past 3 years, the Average Return On Invested Capital for AIdbf is in line with the industry average of 5.82%.
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
AIdbf has a Profit Margin of 46.77%. This is in the better half of the industry: AIdbf outperforms 64.29% of its industry peers.
AIdbf's Profit Margin has declined in the last couple of years.
AIdbf has a Operating Margin of 73.96%. This is amongst the best in the industry. AIdbf outperforms 85.71% 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
AIdbf has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
AIdbf has an Altman-Z score of 7.37. This indicates that AIdbf is financially healthy and has little risk of bankruptcy at the moment.
AIdbf has a better Altman-Z score (7.37) than 60.71% of its industry peers.
The Debt to FCF ratio of AIdbf is 4.75, which is a neutral value as it means it would take AIdbf, 4.75 years of fcf income to pay off all of its debts.
AIdbf has a better Debt to FCF ratio (4.75) than 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.
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 | 7.37 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
AIdbf has a Current 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.
The Current ratio of AIdbf (0.01) is worse than 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 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 -1.90%.
AIdbf shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.81% yearly.
EPS 1Y (TTM)-1.9%
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
AIdbf is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.34% yearly.
Based on estimates for the next years, AIdbf will show a decrease in Revenue. The Revenue will decrease by -6.94% on average per year.
EPS Next Y-0.43%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
EPS Next 5YN/A
Revenue Next Year-12.76%
Revenue Next 2Y-6.94%
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
Based on the Price/Earnings ratio of 97.09, the valuation of AIdbf can be described as expensive.
Based on the Price/Earnings ratio, AIdbf is valued a bit cheaper than the industry average as 64.29% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.59. AIdbf is valued rather expensively when compared to this.
The Price/Forward Earnings ratio is 96.13, which means the current valuation is very expensive for AIdbf.
AIdbf's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of AIdbf to the average of the S&P500 Index (24.03), we can say AIdbf is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.09 | ||
| Fwd PE | 96.13 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AIdbf is valued a bit cheaper than the industry average as 67.86% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 57.1 | ||
| 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)53.69
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
5. Dividend
5.1 Amount
AIdbf has a Yearly Dividend Yield of 8.04%, which is a nice return.
AIdbf's Dividend Yield is a higher than the industry average which is at 5.98.
AIdbf's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.04% |
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.
AIdbf's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP96.53%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.8%
Inst Owner ChangeN/A
Ins Owners5%
Ins Owner ChangeN/A
Market Cap4.78B
Revenue(TTM)N/A
Net Income(TTM)47.03M
Analysts84
Price Target116.2 (16.2%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.04% |
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)1.37%
PT rev (3m)3.4%
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 | 97.09 | ||
| Fwd PE | 96.13 | ||
| P/S | 47.55 | ||
| P/FCF | 57.1 | ||
| P/OCF | 57.1 | ||
| P/B | 9.69 | ||
| P/tB | 9.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY1.03%
EPS(NY)1.04
Fwd EY1.04%
FCF(TTM)1.75
FCFY1.75%
OCF(TTM)1.75
OCFY1.75%
SpS2.1
BVpS10.32
TBVpS10.32
PEG (NY)N/A
PEG (5Y)53.69
Graham Number15.47
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 | 7.37 |
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)-1.9%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-3.85%
EPS Next Y-0.43%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year-12.76%
Revenue Next 2Y-6.94%
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 4 / 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 4 / 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.