(AIdbf.CA) Stock Fundamental Analysis
Canada - TSX:AIdbf -
99.5
+0.01 (+0.01%)
AIdbf gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 29 industry peers in the Financial Services industry. While AIdbf is still in line with the averages on profitability rating, there are concerns on its financial health. AIdbf has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
AIdbf had positive earnings in the past year.
In the past year AIdbf had a positive cash flow from operations.
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's Return On Assets of 5.20% is fine compared to the rest of the industry. AIdbf outperforms 65.52% of its industry peers.
AIdbf's Return On Equity of 9.53% is amongst the best of the industry. AIdbf outperforms 82.76% of its industry peers.
Looking at the Return On Invested Capital, with a value of 6.01%, AIdbf is in the better half of the industry, outperforming 75.86% 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 5.38%.
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 62.07% of its industry peers.
In the last couple of years the Profit Margin of AIdbf has declined.
AIdbf has a better Operating Margin (73.96%) than 86.21% 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
An Altman-Z score of 7.31 indicates that AIdbf is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 7.31, AIdbf is in the better half of the industry, outperforming 62.07% of the companies in the same industry.
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.
With a decent Debt to FCF ratio value of 4.75, AIdbf is doing good in the industry, outperforming 75.86% of the companies in the same industry.
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 in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 4.75 | ||
| Altman-Z | 7.31 |
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.
The Current ratio of AIdbf (0.01) is worse than 82.76% 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.
AIdbf has a Quick ratio of 0.01. This is amonst the worse of the industry: AIdbf underperforms 82.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.01 | ||
| Quick Ratio | 0.01 |
3. Growth
3.1 Past
The earnings per share for AIdbf have decreased by 0.00% in the last year.
The Earnings Per Share has been growing slightly by 1.81% on average over the past years.
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
The Earnings Per Share is expected to decrease by -1.20% on average over the next years.
AIdbf is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -7.43% yearly.
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
Based on the Price/Earnings ratio of 95.67, the valuation of AIdbf can be described as expensive.
AIdbf's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of AIdbf to the average of the S&P500 Index (27.35), we can say AIdbf is valued expensively.
With a Price/Forward Earnings ratio of 97.09, AIdbf can be considered very expensive at the moment.
The rest of the industry has a similar Price/Forward Earnings ratio as AIdbf.
AIdbf's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 95.67 | ||
| Fwd PE | 97.09 |
4.2 Price Multiples
AIdbf's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. AIdbf is cheaper than 68.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 56.65 | ||
| 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)52.9
EPS Next 2Y-1.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
AIdbf has a Yearly Dividend Yield of 8.09%, which is a nice return.
Compared to an average industry Dividend Yield of 7.85, 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 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.09% |
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.
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 Cap4.74B
Analysts84
Price Target111.41 (11.97%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.09% |
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)-0.72%
PT rev (3m)-4.43%
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 | 95.67 | ||
| Fwd PE | 97.09 | ||
| P/S | 47.18 | ||
| P/FCF | 56.65 | ||
| P/OCF | 56.65 | ||
| P/B | 9.61 | ||
| P/tB | 9.61 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.04
EY1.05%
EPS(NY)1.02
Fwd EY1.03%
FCF(TTM)1.76
FCFY1.77%
OCF(TTM)1.76
OCFY1.77%
SpS2.11
BVpS10.35
TBVpS10.35
PEG (NY)N/A
PEG (5Y)52.9
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 | 7.31 |
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%