ATRIUM MORTGAGE INV CORP (AI-DB-F.CA) Stock Price, Forecast & Analysis
Canada - Toronto Stock Exchange - TSX:AI-DB-F - CA04964GAH35
100 CAD
-0.5 (-0.5%)
We assign a fundamental rating of 3 out of 10 to AI-DB-F. AI-DB-F was compared to 28 industry peers in the Financial Services industry. While AI-DB-F is still in line with the averages on profitability rating, there are concerns on its financial health. AI-DB-F is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
AI-DB-F had positive earnings in the past year.
In the past year AI-DB-F had a positive cash flow from operations.
AI-DB-F had positive earnings in each of the past 5 years.
Each year in the past 5 years AI-DB-F had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 5.48%, AI-DB-F is in the better half of the industry, outperforming 67.86% of the companies in the same industry.
AI-DB-F has a better Return On Equity (9.40%) than 71.43% of its industry peers.
The Return On Invested Capital of AI-DB-F (6.07%) is better than 78.57% of its industry peers.
AI-DB-F had an Average Return On Invested Capital over the past 3 years of 6.60%. This is in line with the industry average of 5.58%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.48% | ||
| ROE | 9.4% | ||
| ROIC | 6.07% |
ROA(3y)5.57%
ROA(5y)5.45%
ROE(3y)9.89%
ROE(5y)9.41%
ROIC(3y)6.6%
ROIC(5y)6%
1.3 Margins
AI-DB-F has a better Profit Margin (54.60%) than 64.29% of its industry peers.
In the last couple of years the Profit Margin of AI-DB-F has declined.
AI-DB-F's Operating Margin of 79.88% is amongst the best of the industry. AI-DB-F outperforms 89.29% of its industry peers.
AI-DB-F's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 79.88% | ||
| PM (TTM) | 54.6% | ||
| 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
2. Health
2.1 Basic Checks
AI-DB-F has more shares outstanding than it did 1 year ago.
The number of shares outstanding for AI-DB-F has been increased compared to 5 years ago.
AI-DB-F has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 7.61 indicates that AI-DB-F is not in any danger for bankruptcy at the moment.
With a decent Altman-Z score value of 7.61, AI-DB-F is doing good in the industry, outperforming 71.43% of the companies in the same industry.
The Debt to FCF ratio of AI-DB-F is 50.47, which is on the high side as it means it would take AI-DB-F, 50.47 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 50.47, AI-DB-F is in line with its industry, outperforming 46.43% of the companies in the same industry.
AI-DB-F has a Debt/Equity ratio of 0.63. This is a neutral value indicating AI-DB-F is somewhat dependend on debt financing.
AI-DB-F has a Debt to Equity ratio (0.63) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 50.47 | ||
| Altman-Z | 7.61 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.00 indicates that AI-DB-F may have some problems paying its short term obligations.
AI-DB-F has a worse Current ratio (0.00) than 96.43% of its industry peers.
AI-DB-F has a Quick 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.
Looking at the Quick ratio, with a value of 0.00, AI-DB-F is doing worse than 96.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0 | ||
| Quick Ratio | 0 |
3. Growth
3.1 Past
AI-DB-F shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.90%.
The Earnings Per Share has been growing slightly by 1.81% on average over the past years.
Looking at the last year, AI-DB-F shows a decrease in Revenue. The Revenue has decreased by -1.33% in the last year.
AI-DB-F shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.01% yearly.
EPS 1Y (TTM)-1.9%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-3.85%
Revenue 1Y (TTM)-1.33%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%N/A
3.2 Future
Based on estimates for the next years, AI-DB-F will show a small growth in Earnings Per Share. The EPS will grow by 0.47% on average per year.
AI-DB-F 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 3Y0.47%
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
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue 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 97.09, which means the current valuation is very expensive for AI-DB-F.
Based on the Price/Earnings ratio, AI-DB-F is valued a bit cheaper than the industry average as 60.71% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of AI-DB-F to the average of the S&P500 Index (26.15), we can say AI-DB-F is valued expensively.
The Price/Forward Earnings ratio is 97.58, which means the current valuation is very expensive for AI-DB-F.
The rest of the industry has a similar Price/Forward Earnings ratio as AI-DB-F.
When comparing the Price/Forward Earnings ratio of AI-DB-F to the average of the S&P500 Index (36.12), we can say AI-DB-F is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.09 | ||
| Fwd PE | 97.58 |
4.2 Price Multiples
AI-DB-F's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. AI-DB-F is more expensive than 64.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 650.92 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)53.69
EPS Next 2Y-1.2%
EPS Next 3Y0.47%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.38%, AI-DB-F is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.89, AI-DB-F pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, AI-DB-F pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.38% |
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
86.84% 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.
DP86.84%
EPS Next 2Y-1.2%
EPS Next 3Y0.47%
TSX:AI-DB-F (11/24/2025, 7:00:00 PM)
100
-0.5 (-0.5%)
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 Cap4.78B
Revenue(TTM)97.26M
Net Income(TTM)49.30M
Analysts84
Price Target114.63 (14.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.38% |
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP86.84%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.16%
Min EPS beat(2)-2.91%
Max EPS beat(2)9.22%
EPS beat(4)3
Avg EPS beat(4)4.26%
Min EPS beat(4)-2.91%
Max EPS beat(4)9.75%
EPS beat(8)4
Avg EPS beat(8)-0.45%
EPS beat(12)7
Avg EPS beat(12)0.28%
EPS beat(16)7
Avg EPS beat(16)-0.64%
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)-0.49%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.09 | ||
| Fwd PE | 97.58 | ||
| P/S | 52.95 | ||
| P/FCF | 650.92 | ||
| P/OCF | 650.92 | ||
| P/B | 9.12 | ||
| P/tB | 9.12 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY1.03%
EPS(NY)1.02
Fwd EY1.02%
FCF(TTM)0.15
FCFY0.15%
OCF(TTM)0.15
OCFY0.15%
SpS1.89
BVpS10.97
TBVpS10.97
PEG (NY)N/A
PEG (5Y)53.69
Graham Number15.94
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.48% | ||
| ROE | 9.4% | ||
| ROCE | 12.2% | ||
| ROIC | 6.07% | ||
| ROICexc | 6.07% | ||
| ROICexgc | 6.07% | ||
| OM | 79.88% | ||
| PM (TTM) | 54.6% | ||
| GM | N/A | ||
| FCFM | 8.14% |
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%
ROICexgc growth 3Y10.01%
ROICexgc 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 Turnover0.1
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 50.47 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 2.92 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 14.9% | ||
| Current Ratio | 0 | ||
| Quick Ratio | 0 | ||
| Altman-Z | 7.61 |
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)-1.9%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-3.85%
EPS Next Y-0.43%
EPS Next 2Y-1.2%
EPS Next 3Y0.47%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.33%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
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-2.16%
EBIT growth 3Y10.77%
EBIT growth 5Y5.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-88.7%
FCF growth 3Y0.12%
FCF growth 5Y7.25%
OCF growth 1Y-88.7%
OCF growth 3Y0.12%
OCF growth 5Y7.25%
ATRIUM MORTGAGE INV CORP / AI-DB-F.CA FAQ
What does AI-DB-F do?
Atrium Mortgage Investment Corp. engages in the provision of financing solutions in both the commercial and residential real estate sectors. The company is headquartered in Toronto, Ontario and currently employs 0 full-time employees. The company went IPO on 2012-09-04. The Company’s mortgages are secured by all types of residential, multi-residential and commercial real estate located in Canada. Its investment objectives are to provide its shareholders with stable and secure dividends and preserve shareholders’ equity by lending within conservative risk parameters. The company provides a range of lending, which includes land and development financing, construction and mezzanine financing, commercial term and bridge financing, and residential mortgages. The company invests in various categories of mortgages, such as house and apartment, low-rise residential, construction, high-rise residential, mid-rise residential, commercial and condominium corporations. The firm is managed by Canadian Mortgage Capital Corporation.
Can you provide the latest stock price for ATRIUM MORTGAGE INV CORP?
The current stock price of AI-DB-F.CA is 100 CAD. The price decreased by -0.5% in the last trading session.
What is the ChartMill rating of ATRIUM MORTGAGE INV CORP stock?
AI-DB-F.CA has a ChartMill Technical rating of 6 out of 10 and a ChartMill Fundamental rating of 3 out of 10.
Should I buy AI-DB-F stock?
This depends on your investment goals. Check the Technical and Fundamental Analysis tabs for insights on AI-DB-F.CA.