ATRIUM MORTGAGE INV CORP (AI-DB-G.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:AI-DB-G • CA04964GAJ90
100.5 CAD
+0.28 (+0.28%)
Last: Jan 29, 2026, 07:00 PM
Taking everything into account, AI-DB-G scores 3 out of 10 in our fundamental rating. AI-DB-G was compared to 28 industry peers in the Financial Services industry. There are concerns on the financial health of AI-DB-G while its profitability can be described as average. AI-DB-G does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- In the past year AI-DB-G was profitable.
- In the past year AI-DB-G had a positive cash flow from operations.
- Each year in the past 5 years AI-DB-G has been profitable.
- AI-DB-G had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- AI-DB-G has a Return On Assets of 5.54%. This is in the better half of the industry: AI-DB-G outperforms 67.86% of its industry peers.
- AI-DB-G has a Return On Equity of 9.41%. This is in the better half of the industry: AI-DB-G outperforms 75.00% of its industry peers.
- AI-DB-G has a Return On Invested Capital of 6.08%. This is in the better half of the industry: AI-DB-G outperforms 78.57% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for AI-DB-G is in line with the industry average of 7.95%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.54% | ||
| ROE | 9.41% | ||
| ROIC | 6.08% |
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
- Looking at the Profit Margin, with a value of 57.12%, AI-DB-G belongs to the top of the industry, outperforming 89.29% of the companies in the same industry.
- AI-DB-G's Profit Margin has declined in the last couple of years.
- With an excellent Operating Margin value of 81.49%, AI-DB-G belongs to the best of the industry, outperforming 96.43% of the companies in the same industry.
- In the last couple of years the Operating Margin of AI-DB-G has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 81.49% | ||
| PM (TTM) | 57.12% | ||
| 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
- The number of shares outstanding for AI-DB-G has been increased compared to 1 year ago.
- The number of shares outstanding for AI-DB-G has been increased compared to 5 years ago.
- Compared to 1 year ago, AI-DB-G has an improved debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 8.12 indicates that AI-DB-G is not in any danger for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 8.12, AI-DB-G is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
- The Debt to FCF ratio of AI-DB-G is 46.98, which is on the high side as it means it would take AI-DB-G, 46.98 years of fcf income to pay off all of its debts.
- AI-DB-G has a Debt to FCF ratio of 46.98. This is comparable to the rest of the industry: AI-DB-G outperforms 46.43% of its industry peers.
- AI-DB-G has a Debt/Equity ratio of 0.59. This is a neutral value indicating AI-DB-G is somewhat dependend on debt financing.
- With a decent Debt to Equity ratio value of 0.59, AI-DB-G is doing good in the industry, outperforming 60.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 46.98 | ||
| Altman-Z | 8.12 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- A Current Ratio of 0.00 indicates that AI-DB-G may have some problems paying its short term obligations.
- AI-DB-G has a worse Current ratio (0.00) than 89.29% of its industry peers.
- AI-DB-G has a Quick Ratio of 0.00. This is a bad value and indicates that AI-DB-G is not financially healthy enough and could expect problems in meeting its short term obligations.
- The Quick ratio of AI-DB-G (0.00) is worse than 89.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0 | ||
| Quick Ratio | 0 |
3. Growth
3.1 Past
- The earnings per share for AI-DB-G have decreased by -1.90% in the last year.
- AI-DB-G shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.81% yearly.
- Looking at the last year, AI-DB-G shows a very negative growth in Revenue. The Revenue has decreased by -13.66% in the last year.
- AI-DB-G 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)-13.66%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-14.18%
3.2 Future
- Based on estimates for the next years, AI-DB-G will show a small growth in Earnings Per Share. The EPS will grow by 0.34% on average per year.
- The Revenue is expected to decrease by -6.94% on average over the next years.
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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 97.57, AI-DB-G can be considered very expensive at the moment.
- The rest of the industry has a similar Price/Earnings ratio as AI-DB-G.
- When comparing the Price/Earnings ratio of AI-DB-G to the average of the S&P500 Index (28.32), we can say AI-DB-G is valued expensively.
- Based on the Price/Forward Earnings ratio of 96.61, the valuation of AI-DB-G can be described as expensive.
- AI-DB-G's Price/Forward Earnings is on the same level as the industry average.
- When comparing the Price/Forward Earnings ratio of AI-DB-G to the average of the S&P500 Index (25.57), we can say AI-DB-G is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.57 | ||
| Fwd PE | 96.61 |
4.2 Price Multiples
- 64.29% of the companies in the same industry are cheaper than AI-DB-G, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 622.56 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- AI-DB-G has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)53.96
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
5. Dividend
5.1 Amount
- AI-DB-G has a Yearly Dividend Yield of 7.93%, which is a nice return.
- AI-DB-G's Dividend Yield is a higher than the industry average which is at 5.61.
- Compared to an average S&P500 Dividend Yield of 1.83, AI-DB-G pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.93% |
5.2 History
- The dividend of AI-DB-G has a limited annual growth rate of 3.99%.
- AI-DB-G 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
- AI-DB-G pays out 88.11% of its income as dividend. This is not a sustainable payout ratio.
- The dividend of AI-DB-G is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP88.11%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
ATRIUM MORTGAGE INV CORP / AI-DB-G.CA FAQ
What is the ChartMill fundamental rating of ATRIUM MORTGAGE INV CORP (AI-DB-G.CA) stock?
ChartMill assigns a fundamental rating of 3 / 10 to AI-DB-G.CA.
What is the valuation status for AI-DB-G stock?
ChartMill assigns a valuation rating of 1 / 10 to ATRIUM MORTGAGE INV CORP (AI-DB-G.CA). This can be considered as Overvalued.
Can you provide the profitability details for ATRIUM MORTGAGE INV CORP?
ATRIUM MORTGAGE INV CORP (AI-DB-G.CA) has a profitability rating of 6 / 10.
Can you provide the PE and PB ratios for AI-DB-G stock?
The Price/Earnings (PE) ratio for ATRIUM MORTGAGE INV CORP (AI-DB-G.CA) is 97.57 and the Price/Book (PB) ratio is 9.12.
Can you provide the financial health for AI-DB-G stock?
The financial health rating of ATRIUM MORTGAGE INV CORP (AI-DB-G.CA) is 3 / 10.