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ATRIUM MORTGAGE INV CORP (AI-DB-F.CA) Stock Price, Quote, News and Overview

TSX:AI-DB-F - Toronto Stock Exchange - CA04964GAH35 - Currency: CAD

96.5  0 (0%)

Fundamental Rating

4

Overall AI-DB-F gets a fundamental rating of 4 out of 10. We evaluated AI-DB-F against 29 industry peers in the Financial Services industry. AI-DB-F has an average financial health and profitability rating. AI-DB-F 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

AI-DB-F had positive earnings in the past year.
AI-DB-F had a positive operating cash flow in the past year.
In the past 5 years AI-DB-F has always been profitable.
AI-DB-F had a positive operating cash flow in each of the past 5 years.
AI-DB-F.CA Yearly Net Income VS EBIT VS OCF VS FCFAI-DB-F.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 2024 20M 40M 60M

1.2 Ratios

Looking at the Return On Assets, with a value of 5.59%, AI-DB-F belongs to the top of the industry, outperforming 86.21% of the companies in the same industry.
AI-DB-F has a better Return On Equity (9.17%) than 75.86% of its industry peers.
AI-DB-F's Return On Invested Capital of 6.45% is amongst the best of the industry. AI-DB-F outperforms 82.76% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for AI-DB-F is in line with the industry average of 5.71%.
Industry RankSector Rank
ROA 5.59%
ROE 9.17%
ROIC 6.45%
ROA(3y)5.57%
ROA(5y)5.45%
ROE(3y)9.89%
ROE(5y)9.41%
ROIC(3y)6.6%
ROIC(5y)6%
AI-DB-F.CA Yearly ROA, ROE, ROICAI-DB-F.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

AI-DB-F has a better Profit Margin (50.74%) than 72.41% of its industry peers.
AI-DB-F's Profit Margin has declined in the last couple of years.
The Operating Margin of AI-DB-F (76.84%) is better than 93.10% of its industry peers.
AI-DB-F's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 76.84%
PM (TTM) 50.74%
GM N/A
OM growth 3Y-3.53%
OM growth 5Y-2.36%
PM growth 3Y-8.89%
PM growth 5Y-3.33%
GM growth 3YN/A
GM growth 5YN/A
AI-DB-F.CA Yearly Profit, Operating, Gross MarginsAI-DB-F.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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4

2. Health

2.1 Basic Checks

Compared to 1 year ago, AI-DB-F has more shares outstanding
AI-DB-F has more shares outstanding than it did 5 years ago.
The debt/assets ratio for AI-DB-F has been reduced compared to a year ago.
AI-DB-F.CA Yearly Shares OutstandingAI-DB-F.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
AI-DB-F.CA Yearly Total Debt VS Total AssetsAI-DB-F.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

An Altman-Z score of 8.30 indicates that AI-DB-F is not in any danger for bankruptcy at the moment.
AI-DB-F has a Altman-Z score of 8.30. This is in the better half of the industry: AI-DB-F outperforms 65.52% of its industry peers.
AI-DB-F has a debt to FCF ratio of 4.84. This is a neutral value as AI-DB-F would need 4.84 years to pay back of all of its debts.
AI-DB-F has a better Debt to FCF ratio (4.84) than 82.76% of its industry peers.
AI-DB-F has a Debt/Equity ratio of 0.55. This is a neutral value indicating AI-DB-F is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.55, AI-DB-F is doing good in the industry, outperforming 65.52% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF 4.84
Altman-Z 8.3
ROIC/WACCN/A
WACCN/A
AI-DB-F.CA Yearly LT Debt VS Equity VS FCFAI-DB-F.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.3 Liquidity

AI-DB-F has a Current Ratio of 0.00. This is a bad value and indicates that AI-DB-F is not financially healthy enough and could expect problems in meeting its short term obligations.
AI-DB-F has a worse Current ratio (0.00) than 89.66% of its industry peers.
A Quick Ratio of 0.00 indicates that AI-DB-F may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.00, AI-DB-F is doing worse than 89.66% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0
Quick Ratio 0
AI-DB-F.CA Yearly Current Assets VS Current LiabilitesAI-DB-F.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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2

3. Growth

3.1 Past

The earnings per share for AI-DB-F have decreased by -6.36% in the last year.
AI-DB-F shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.81% yearly.
AI-DB-F shows a decrease in Revenue. In the last year, the revenue decreased by -6.02%.
Measured over the past years, AI-DB-F shows a quite strong growth in Revenue. The Revenue has been growing by 8.01% on average per year.
EPS 1Y (TTM)-6.36%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-7.41%
Revenue 1Y (TTM)-6.02%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-12.82%

3.2 Future

AI-DB-F is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.03% yearly.
Based on estimates for the next years, AI-DB-F will show a decrease in Revenue. The Revenue will decrease by -3.66% on average per year.
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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
AI-DB-F.CA Yearly Revenue VS EstimatesAI-DB-F.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
AI-DB-F.CA Yearly EPS VS EstimatesAI-DB-F.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

AI-DB-F is valuated quite expensively with a Price/Earnings ratio of 93.69.
The rest of the industry has a similar Price/Earnings ratio as AI-DB-F.
When comparing the Price/Earnings ratio of AI-DB-F to the average of the S&P500 Index (27.61), we can say AI-DB-F is valued expensively.
The Price/Forward Earnings ratio is 91.85, which means the current valuation is very expensive for AI-DB-F.
AI-DB-F's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of AI-DB-F to the average of the S&P500 Index (37.13), we can say AI-DB-F is valued expensively.
Industry RankSector Rank
PE 93.69
Fwd PE 91.85
AI-DB-F.CA Price Earnings VS Forward Price EarningsAI-DB-F.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, AI-DB-F is valued a bit cheaper than the industry average as 68.97% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 68.48
EV/EBITDA N/A
AI-DB-F.CA Per share dataAI-DB-F.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 AI-DB-F does not grow enough to justify the current Price/Earnings ratio.
The decent profitability rating of AI-DB-F may justify a higher PE ratio.
PEG (NY)1639.56
PEG (5Y)51.81
EPS Next 2Y0.03%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.90%, AI-DB-F is a good candidate for dividend investing.
AI-DB-F's Dividend Yield is comparable with the industry average which is at 7.32.
AI-DB-F's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 7.9%

5.2 History

The dividend of AI-DB-F has a limited annual growth rate of 3.99%.
AI-DB-F 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

88.21% of the earnings are spent on dividend by AI-DB-F. This is not a sustainable payout ratio.
AI-DB-F's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP88.21%
EPS Next 2Y0.03%
EPS Next 3YN/A
AI-DB-F.CA Yearly Income VS Free CF VS DividendAI-DB-F.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
AI-DB-F.CA Dividend Payout.AI-DB-F.CA Dividend Payout, showing the Payout Ratio.AI-DB-F.CA Dividend Payout.PayoutRetained Earnings

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ATRIUM MORTGAGE INV CORP

TSX:AI-DB-F (7/29/2025, 7:00:00 PM)

96.5

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-13 2025-05-13/amc
Earnings (Next)07-31 2025-07-31
Inst Owners2.14%
Inst Owner ChangeN/A
Ins Owners5.02%
Ins Owner ChangeN/A
Market Cap4.59B
Analysts84
Price Target110.53 (14.54%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.9%
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP88.21%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.42%
Min EPS beat(2)-2.91%
Max EPS beat(2)9.75%
EPS beat(4)2
Avg EPS beat(4)0.33%
Min EPS beat(4)-6.51%
Max EPS beat(4)9.75%
EPS beat(8)4
Avg EPS beat(8)-1.16%
EPS beat(12)6
Avg EPS beat(12)-0.74%
EPS beat(16)6
Avg EPS beat(16)-1.27%
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)-5.19%
PT rev (3m)-5.4%
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 RankSector Rank
PE 93.69
Fwd PE 91.85
P/S 48.82
P/FCF 68.48
P/OCF 68.48
P/B 8.82
P/tB 8.82
EV/EBITDA N/A
EPS(TTM)1.03
EY1.07%
EPS(NY)1.05
Fwd EY1.09%
FCF(TTM)1.41
FCFY1.46%
OCF(TTM)1.41
OCFY1.46%
SpS1.98
BVpS10.94
TBVpS10.94
PEG (NY)1639.56
PEG (5Y)51.81
Profitability
Industry RankSector Rank
ROA 5.59%
ROE 9.17%
ROCE 12.3%
ROIC 6.45%
ROICexc 6.45%
ROICexgc 6.45%
OM 76.84%
PM (TTM) 50.74%
GM N/A
FCFM 71.29%
ROA(3y)5.57%
ROA(5y)5.45%
ROE(3y)9.89%
ROE(5y)9.41%
ROIC(3y)6.6%
ROIC(5y)6%
ROICexc(3y)6.6%
ROICexc(5y)6%
ROICexgc(3y)6.6%
ROICexgc(5y)6%
ROCE(3y)11.59%
ROCE(5y)9.78%
ROICexcg growth 3Y10.01%
ROICexcg growth 5Y4.11%
ROICexc growth 3Y10.01%
ROICexc growth 5Y4.11%
OM growth 3Y-3.53%
OM growth 5Y-2.36%
PM growth 3Y-8.89%
PM growth 5Y-3.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0.55
Debt/FCF 4.84
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 3.27
Cash Conversion N/A
Profit Quality 140.5%
Current Ratio 0
Quick Ratio 0
Altman-Z 8.3
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)139.29%
Profit Quality(5y)144.86%
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)-6.02%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-12.82%
Revenue Next Year-7.79%
Revenue Next 2Y-3.66%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.75%
EBIT growth 3Y10.77%
EBIT growth 5Y5.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y10.31%
FCF growth 3Y0.12%
FCF growth 5Y7.25%
OCF growth 1Y10.31%
OCF growth 3Y0.12%
OCF growth 5Y7.25%