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ATRIUM MORTGAGE INV CORP (AI-DB-G.CA) Stock Overview

Canada - TSX:AI-DB-G - CA04964GAJ90

100.08 CAD
+0.08 (+0.08%)
Last: 10/8/2025, 7:00:00 PM
Fundamental Rating

3

Overall AI-DB-G gets a fundamental rating of 3 out of 10. We evaluated AI-DB-G against 28 industry peers in the Financial Services industry. While AI-DB-G is still in line with the averages on profitability rating, there are concerns on its financial health. AI-DB-G does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

6

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.
In the past 5 years AI-DB-G always reported a positive cash flow from operatings.
AI-DB-G.CA Yearly Net Income VS EBIT VS OCF VS FCFAI-DB-G.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

AI-DB-G has a better Return On Assets (5.48%) than 71.43% of its industry peers.
AI-DB-G has a Return On Equity of 9.40%. This is in the better half of the industry: AI-DB-G outperforms 71.43% of its industry peers.
AI-DB-G has a better Return On Invested Capital (6.07%) than 82.14% 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 5.33%.
Industry RankSector 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%
AI-DB-G.CA Yearly ROA, ROE, ROICAI-DB-G.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

With a decent Profit Margin value of 54.60%, AI-DB-G is doing good in the industry, outperforming 67.86% of the companies in the same industry.
In the last couple of years the Profit Margin of AI-DB-G has declined.
AI-DB-G has a better Operating Margin (79.88%) than 92.86% of its industry peers.
In the last couple of years the Operating Margin of AI-DB-G has declined.
Industry RankSector 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
AI-DB-G.CA Yearly Profit, Operating, Gross MarginsAI-DB-G.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

3

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.
AI-DB-G.CA Yearly Shares OutstandingAI-DB-G.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
AI-DB-G.CA Yearly Total Debt VS Total AssetsAI-DB-G.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

AI-DB-G has an Altman-Z score of 7.59. This indicates that AI-DB-G is financially healthy and has little risk of bankruptcy at the moment.
AI-DB-G has a Altman-Z score of 7.59. This is in the better half of the industry: AI-DB-G outperforms 71.43% of its industry peers.
The Debt to FCF ratio of AI-DB-G is 50.47, which is on the high side as it means it would take AI-DB-G, 50.47 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of AI-DB-G (50.47) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.63 indicates that AI-DB-G is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.63, AI-DB-G is in the better half of the industry, outperforming 60.71% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.63
Debt/FCF 50.47
Altman-Z 7.59
ROIC/WACCN/A
WACCN/A
AI-DB-G.CA Yearly LT Debt VS Equity VS FCFAI-DB-G.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-G has a Current 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.
AI-DB-G has a Current ratio of 0.00. This is amonst the worse of the industry: AI-DB-G underperforms 96.43% of its industry peers.
A Quick Ratio of 0.00 indicates that AI-DB-G may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.00, AI-DB-G is doing worse than 96.43% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0
Quick Ratio 0
AI-DB-G.CA Yearly Current Assets VS Current LiabilitesAI-DB-G.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

2

3. Growth

3.1 Past

The earnings per share for AI-DB-G have decreased by 0.00% in the last year.
Measured over the past 5 years, AI-DB-G shows a small growth in Earnings Per Share. The EPS has been growing by 1.81% on average per year.
AI-DB-G shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.99%.
Measured over the past years, AI-DB-G shows a quite strong growth in Revenue. The Revenue has been growing by 8.01% on average per year.
EPS 1Y (TTM)0%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%3.85%
Revenue 1Y (TTM)-10.99%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-15.02%

3.2 Future

The Earnings Per Share is expected to decrease by -1.20% on average over the next years.
Based on estimates for the next years, AI-DB-G will show a decrease in Revenue. The Revenue will decrease by -7.43% on average per year.
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

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-G.CA Yearly Revenue VS EstimatesAI-DB-G.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-G.CA Yearly EPS VS EstimatesAI-DB-G.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

1

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 96.23, the valuation of AI-DB-G can be described as expensive.
AI-DB-G's Price/Earnings ratio is in line with the industry average.
AI-DB-G's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.70.
Based on the Price/Forward Earnings ratio of 97.65, the valuation of AI-DB-G can be described as expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AI-DB-G is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.15, AI-DB-G is valued quite expensively.
Industry RankSector Rank
PE 96.23
Fwd PE 97.65
AI-DB-G.CA Price Earnings VS Forward Price EarningsAI-DB-G.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

AI-DB-G's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. AI-DB-G is more expensive than 67.86% of the companies in the same industry.
Industry RankSector Rank
P/FCF 649.53
EV/EBITDA N/A
AI-DB-G.CA Per share dataAI-DB-G.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

The decent profitability rating of AI-DB-G may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)53.21
EPS Next 2Y-1.2%
EPS Next 3YN/A

4

5. Dividend

5.1 Amount

AI-DB-G has a Yearly Dividend Yield of 7.98%, which is a nice return.
AI-DB-G's Dividend Yield is a higher than the industry average which is at 6.68.
Compared to an average S&P500 Dividend Yield of 2.44, AI-DB-G pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.98%

5.2 History

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

86.84% of the earnings are spent on dividend by AI-DB-G. This is not a sustainable payout ratio.
AI-DB-G's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP86.84%
EPS Next 2Y-1.2%
EPS Next 3YN/A
AI-DB-G.CA Yearly Income VS Free CF VS DividendAI-DB-G.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-G.CA Dividend Payout.AI-DB-G.CA Dividend Payout, showing the Payout Ratio.AI-DB-G.CA Dividend Payout.PayoutRetained Earnings

ATRIUM MORTGAGE INV CORP

TSX:AI-DB-G (10/8/2025, 7:00:00 PM)

100.08

+0.08 (+0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-07 2025-08-07/amc
Earnings (Next)11-11 2025-11-11
Inst Owners1.73%
Inst Owner ChangeN/A
Ins Owners5%
Ins Owner ChangeN/A
Market Cap4.77B
Analysts84
Price Target112.03 (11.94%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.98%
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)0.04%
PT rev (3m)-3.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.85%
EPS NY rev (1m)2.01%
EPS NY rev (3m)-0.49%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.13%
Revenue NY rev (3m)-5.49%
Valuation
Industry RankSector Rank
PE 96.23
Fwd PE 97.65
P/S 52.84
P/FCF 649.53
P/OCF 649.53
P/B 9.1
P/tB 9.1
EV/EBITDA N/A
EPS(TTM)1.04
EY1.04%
EPS(NY)1.02
Fwd EY1.02%
FCF(TTM)0.15
FCFY0.15%
OCF(TTM)0.15
OCFY0.15%
SpS1.89
BVpS11
TBVpS11
PEG (NY)N/A
PEG (5Y)53.21
Profitability
Industry RankSector 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%
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 Turnover0.1
Health
Industry RankSector 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 7.59
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)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)-10.99%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-15.02%
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%