ATRIUM MORTGAGE INVESTMENT C (AI.CA) Stock Fundamental Analysis
TSX:AI - CA04964G1000 - Common Stock
11.58 CAD
-0.01 (-0.09%)
AI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 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 is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year AI was profitable.
In the past year AI had a positive cash flow from operations.
Each year in the past 5 years AI has been profitable.
Each year in the past 5 years AI had a positive operating cash flow.
1.2 Ratios
AI has a Return On Assets of 5.48%. This is in the better half of the industry: AI outperforms 75.86% of its industry peers.
AI has a Return On Equity of 9.40%. This is in the better half 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 86.21% of the companies in the same industry.
AI had an Average Return On Invested Capital over the past 3 years of 6.60%. This is in line with the industry average of 5.62%.
| 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
Looking at the Profit Margin, with a value of 54.60%, AI is in the better half of the industry, outperforming 75.86% of the companies in the same industry.
In the last couple of years the Profit Margin of AI has declined.
With an excellent Operating Margin value of 79.88%, AI belongs to the best of the industry, outperforming 96.55% of the companies in the same industry.
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 0.84. This is a bad value and indicates that AI is not financially healthy and even has some risk of bankruptcy.
AI has a worse Altman-Z score (0.84) than 75.86% of its industry peers.
The Debt to FCF ratio of AI is 50.47, which is on the high side as it means it would take AI, 50.47 years of fcf income to pay off all of its debts.
AI has a Debt to FCF ratio (50.47) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.63 indicates that AI is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.63, AI is doing good in the industry, outperforming 68.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 50.47 | ||
| Altman-Z | 0.84 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
AI has a Current 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 has a Current ratio of 0.00. This is amonst the worse of the industry: AI underperforms 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.
Measured over the past 5 years, AI shows a small growth in Earnings Per Share. The EPS has been growing by 1.81% on average per year.
Looking at the last year, AI shows a very negative growth in Revenue. The Revenue has decreased by -10.99% in the last year.
Measured over the past years, AI 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
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.
The Revenue is expected to decrease by -6.88% on average over the next years.
EPS Next Y-2.4%
EPS Next 2Y-1.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-10.96%
Revenue Next 2Y-6.88%
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
The Price/Earnings ratio is 11.13, which indicates a very decent valuation of AI.
AI's Price/Earnings ratio is rather cheap when compared to the industry. AI is cheaper than 82.76% of the companies in the same industry.
AI is valuated cheaply when we compare the Price/Earnings ratio to 27.06, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 11.30, which indicates a very decent valuation of AI.
AI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AI is cheaper than 79.31% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.69. AI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.13 | ||
| Fwd PE | 11.3 |
4.2 Price Multiples
AI's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 75.09 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The decent profitability rating of AI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)6.16
EPS Next 2Y-1.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
AI has a Yearly Dividend Yield of 8.02%, which is a nice return.
Compared to an average industry Dividend Yield of 6.12, AI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, AI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.02% |
5.2 History
The dividend of AI has a limited annual growth rate of 3.99%.
AI has been paying a dividend for at least 10 years, so it has 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 (9/5/2025, 7:00:00 PM)
11.58
-0.01 (-0.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners2.14%
Inst Owner ChangeN/A
Ins Owners5.02%
Ins Owner ChangeN/A
Market Cap551.56M
Analysts84
Price Target13.25 (14.42%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.02% |
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)0.5%
PT rev (3m)0.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.85%
EPS NY rev (1m)-2.45%
EPS NY rev (3m)-2.45%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.13 | ||
| Fwd PE | 11.3 | ||
| P/S | 6.11 | ||
| P/FCF | 75.09 | ||
| P/OCF | 75.09 | ||
| P/B | 1.05 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.04
EY8.98%
EPS(NY)1.02
Fwd EY8.85%
FCF(TTM)0.15
FCFY1.33%
OCF(TTM)0.15
OCFY1.33%
SpS1.9
BVpS11.01
TBVpS11.01
PEG (NY)N/A
PEG (5Y)6.16
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 | 0.84 |
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-2.4%
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-10.96%
Revenue Next 2Y-6.88%
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%