ATRIUM MORTGAGE INVESTMENT C (AI.CA) Stock Fundamental Analysis
Canada - TSX:AI - CA04964G1000 - Common Stock
11.36 CAD
-0.14 (-1.22%)
Taking everything into account, AI scores 4 out of 10 in our fundamental rating. AI was compared to 29 industry peers in the Financial Services industry. AI has a medium profitability rating, but doesn't score so well on its financial health evaluation. AI has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
AI had positive earnings in the past year.
In the past year AI had a positive cash flow from operations.
Each year in the past 5 years AI has been profitable.
In the past 5 years AI always reported a positive cash flow from operatings.
1.2 Ratios
AI has a better Return On Assets (5.48%) than 79.31% of its industry peers.
AI's Return On Equity of 9.40% is fine compared to the rest of the industry. AI outperforms 79.31% of its industry peers.
Looking at the Return On Invested Capital, with a value of 6.07%, AI belongs to the top of the industry, outperforming 89.66% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for AI is in line with the industry average of 5.38%.
| 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 has a Profit Margin of 54.60%. This is in the better half of the industry: AI outperforms 75.86% of its industry peers.
In the last couple of years the Profit Margin of AI has declined.
AI's Operating Margin of 79.88% is amongst the best of the industry. AI outperforms 100.00% of its industry peers.
AI'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 has more shares outstanding than it did 1 year ago.
The number of shares outstanding for AI has been increased compared to 5 years ago.
The debt/assets ratio for AI has been reduced compared to a year ago.
2.2 Solvency
AI has an Altman-Z score of 0.82. This is a bad value and indicates that AI is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.82, AI is doing worse than 72.41% of the companies in the same industry.
AI has a debt to FCF ratio of 50.47. This is a negative value and a sign of low solvency as AI would need 50.47 years to pay back of all of its debts.
AI's Debt to FCF ratio of 50.47 is in line compared to the rest of the industry. AI outperforms 55.17% of its industry peers.
AI has a Debt/Equity ratio of 0.63. This is a neutral value indicating AI is somewhat dependend on debt financing.
AI has a Debt to Equity ratio of 0.63. This is in the better half of the industry: AI outperforms 68.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 50.47 | ||
| Altman-Z | 0.82 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.00 indicates that AI may have some problems paying its short term obligations.
AI has a worse Current ratio (0.00) than 86.21% of its industry peers.
AI has a Quick Ratio of 0.00. This is a bad value and indicates that AI is not financially healthy enough and could expect problems in meeting its short term obligations.
AI's Quick ratio of 0.00 is on the low side compared to the rest of the industry. AI is outperformed by 86.21% 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 have decreased by 0.00% in the last year.
AI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.81% yearly.
The Revenue for AI has decreased by -10.99% in the past year. This is quite bad
AI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.01% yearly.
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
Based on estimates for the next years, AI will show a decrease in Earnings Per Share. The EPS will decrease by -1.20% on average per year.
AI 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
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
Based on the Price/Earnings ratio of 10.92, the valuation of AI can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of AI indicates a rather cheap valuation: AI is cheaper than 86.21% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.02, AI is valued rather cheaply.
With a Price/Forward Earnings ratio of 11.08, the valuation of AI can be described as very reasonable.
Based on the Price/Forward Earnings ratio, AI is valued a bit cheaper than the industry average as 79.31% of the companies are valued more expensively.
AI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.92 | ||
| Fwd PE | 11.08 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AI is valued a bit cheaper than the industry average as 62.07% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 73.73 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)6.04
EPS Next 2Y-1.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
AI has a Yearly Dividend Yield of 8.09%, which is a nice return.
Compared to an average industry Dividend Yield of 7.85, AI has a dividend in line with its industry peers.
AI'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 AI has a limited annual growth rate of 3.99%.
AI has paid a dividend for at least 10 years, which is a reliable 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. This is not a sustainable payout ratio.
AI'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
TSX:AI (10/10/2025, 7:00:00 PM)
11.36
-0.14 (-1.22%)
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 Cap541.53M
Analysts84
Price Target13.25 (16.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.09% |
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP86.84%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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%
PT rev (3m)0.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
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)0%
Revenue NY rev (3m)-5.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.92 | ||
| Fwd PE | 11.08 | ||
| P/S | 6 | ||
| P/FCF | 73.73 | ||
| P/OCF | 73.73 | ||
| P/B | 1.03 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.04
EY9.15%
EPS(NY)1.02
Fwd EY9.02%
FCF(TTM)0.15
FCFY1.36%
OCF(TTM)0.15
OCFY1.36%
SpS1.89
BVpS11
TBVpS11
PEG (NY)N/A
PEG (5Y)6.04
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%
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 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 | 0.82 |
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%