ATRIUM MORTGAGE INVESTMENT C (AI.CA) Fundamental Analysis & Valuation

TSX:AI • CA04964G1000

Current stock price

12.18 CAD
+0.04 (+0.33%)
Last:

This AI.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. AI.CA Profitability Analysis

1.1 Basic Checks

  • In the past year AI was profitable.
  • AI had a positive operating cash flow in the past year.
  • 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.
AI.CA Yearly Net Income VS EBIT VS OCF VS FCFAI.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

1.2 Ratios

  • AI has a better Return On Assets (5.49%) than 70.37% of its industry peers.
  • AI has a Return On Equity of 9.34%. This is amongst the best in the industry. AI outperforms 81.48% of its industry peers.
  • The Return On Invested Capital of AI (6.04%) is better than 70.37% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for AI is in line with the industry average of 7.30%.
Industry RankSector Rank
ROA 5.49%
ROE 9.34%
ROIC 6.04%
ROA(3y)5.63%
ROA(5y)5.52%
ROE(3y)9.76%
ROE(5y)9.58%
ROIC(3y)6.71%
ROIC(5y)6.19%
AI.CA Yearly ROA, ROE, ROICAI.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • AI's Profit Margin of 57.63% is amongst the best of the industry. AI outperforms 92.59% of its industry peers.
  • AI's Profit Margin has been stable in the last couple of years.
  • With an excellent Operating Margin value of 81.73%, AI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • AI's Operating Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 81.73%
PM (TTM) 57.63%
GM N/A
OM growth 3Y-1.92%
OM growth 5Y0.13%
PM growth 3Y-0.85%
PM growth 5Y-0.89%
GM growth 3YN/A
GM growth 5YN/A
AI.CA Yearly Profit, Operating, Gross MarginsAI.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. AI.CA Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for AI has been increased compared to 1 year ago.
  • Compared to 5 years ago, AI has more shares outstanding
  • Compared to 1 year ago, AI has a worse debt to assets ratio.
AI.CA Yearly Shares OutstandingAI.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
AI.CA Yearly Total Debt VS Total AssetsAI.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.2 Solvency

  • AI has an Altman-Z score of 1.21. This is a bad value and indicates that AI is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of AI (1.21) is worse than 62.96% of its industry peers.
  • The Debt to FCF ratio of AI is 20.51, which is on the high side as it means it would take AI, 20.51 years of fcf income to pay off all of its debts.
  • AI's Debt to FCF ratio of 20.51 is in line compared to the rest of the industry. AI outperforms 59.26% of its industry peers.
  • AI has a Debt/Equity ratio of 0.58. This is a neutral value indicating AI is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.58, AI is in line with its industry, outperforming 59.26% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.58
Debt/FCF 20.51
Altman-Z 1.21
ROIC/WACCN/A
WACCN/A
AI.CA Yearly LT Debt VS Equity VS FCFAI.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

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 85.19% of its industry peers.
  • A Quick Ratio of 0.00 indicates that AI may have some problems paying its short term obligations.
  • The Quick ratio of AI (0.00) is worse than 85.19% of its industry peers.
Industry RankSector Rank
Current Ratio 0
Quick Ratio 0
AI.CA Yearly Current Assets VS Current LiabilitesAI.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. AI.CA Growth Analysis

3.1 Past

  • The earnings per share for AI have decreased by -2.86% in the last year.
  • AI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.09% yearly.
  • Looking at the last year, AI shows a very negative growth in Revenue. The Revenue has decreased by -12.46% in the last year.
  • AI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.54% yearly.
EPS 1Y (TTM)-2.86%
EPS 3Y-1.58%
EPS 5Y2.09%
EPS Q2Q%-3.85%
Revenue 1Y (TTM)-12.46%
Revenue growth 3Y2.8%
Revenue growth 5Y5.54%
Sales Q2Q%-7.38%

3.2 Future

  • Based on estimates for the next years, AI will show a small growth in Earnings Per Share. The EPS will grow by 1.24% on average per year.
  • The Revenue is expected to grow by 0.09% on average over the next years.
EPS Next Y3%
EPS Next 2Y1.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.56%
Revenue Next 2Y0.09%
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.CA Yearly Revenue VS EstimatesAI.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
AI.CA Yearly EPS VS EstimatesAI.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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5

4. AI.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.94 indicates a reasonable valuation of AI.
  • Compared to the rest of the industry, the Price/Earnings ratio of AI indicates a rather cheap valuation: AI is cheaper than 85.19% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.77, AI is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 11.59, the valuation of AI can be described as reasonable.
  • 81.48% of the companies in the same industry are more expensive than AI, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.75, AI is valued a bit cheaper.
Industry RankSector Rank
PE 11.94
Fwd PE 11.59
AI.CA Price Earnings VS Forward Price EarningsAI.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

  • AI's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 33.77
EV/EBITDA N/A
AI.CA Per share dataAI.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • AI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)3.98
PEG (5Y)5.73
EPS Next 2Y1.24%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. AI.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.71%, AI is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 5.71, AI pays a bit more dividend than its industry peers.
  • AI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 7.71%

5.2 History

  • The dividend of AI has a limited annual growth rate of 0.16%.
  • AI has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0.16%
Div Incr Years0
Div Non Decr Years0
AI.CA Yearly Dividends per shareAI.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • AI pays out 90.03% of its income as dividend. This is not a sustainable payout ratio.
  • AI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP90.03%
EPS Next 2Y1.24%
EPS Next 3YN/A
AI.CA Yearly Income VS Free CF VS DividendAI.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
AI.CA Dividend Payout.AI.CA Dividend Payout, showing the Payout Ratio.AI.CA Dividend Payout.PayoutRetained Earnings

More info and screens

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AI.CA Fundamentals: All Metrics, Ratios and Statistics

ATRIUM MORTGAGE INVESTMENT C

TSX:AI (4/30/2026, 7:00:00 PM)

12.18

+0.04 (+0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry Strength33.07
Industry Growth56.72
Earnings (Last)02-26
Earnings (Next)05-13
Inst Owners2.17%
Inst Owner ChangeN/A
Ins Owners4.97%
Ins Owner ChangeN/A
Market Cap586.35M
Revenue(TTM)85.14M
Net Income(TTM)49.06M
Analysts84
Price Target13.32 (9.36%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.71%
Yearly Dividend0.93
Dividend Growth(5Y)0.16%
DP90.03%
Div Incr Years0
Div Non Decr Years0
Ex-Date06-30
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.78%
Min EPS beat(2)-6.65%
Max EPS beat(2)-2.91%
EPS beat(4)1
Avg EPS beat(4)-0.81%
Min EPS beat(4)-6.65%
Max EPS beat(4)9.22%
EPS beat(8)4
Avg EPS beat(8)1.27%
EPS beat(12)6
Avg EPS beat(12)-0.48%
EPS beat(16)7
Avg EPS beat(16)-0.87%
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)0.46%
PT rev (3m)0.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)1.49%
EPS NY rev (3m)0.99%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.3%
Revenue NY rev (3m)1.3%
Valuation
Industry RankSector Rank
PE 11.94
Fwd PE 11.59
P/S 6.89
P/FCF 33.77
P/OCF 33.77
P/B 1.12
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)1.02
EY8.37%
EPS(NY)1.05
Fwd EY8.63%
FCF(TTM)0.36
FCFY2.96%
OCF(TTM)0.36
OCFY2.96%
SpS1.77
BVpS10.91
TBVpS10.91
PEG (NY)3.98
PEG (5Y)5.73
Graham Number15.8212 (29.89%)
Profitability
Industry RankSector Rank
ROA 5.49%
ROE 9.34%
ROCE 8.4%
ROIC 6.04%
ROICexc 6.04%
ROICexgc 6.04%
OM 81.73%
PM (TTM) 57.63%
GM N/A
FCFM 20.39%
ROA(3y)5.63%
ROA(5y)5.52%
ROE(3y)9.76%
ROE(5y)9.58%
ROIC(3y)6.71%
ROIC(5y)6.19%
ROICexc(3y)6.71%
ROICexc(5y)6.19%
ROICexgc(3y)6.71%
ROICexgc(5y)6.19%
ROCE(3y)11.74%
ROCE(5y)10.05%
ROICexgc growth 3Y1.84%
ROICexgc growth 5Y3.5%
ROICexc growth 3Y1.84%
ROICexc growth 5Y3.5%
OM growth 3Y-1.92%
OM growth 5Y0.13%
PM growth 3Y-0.85%
PM growth 5Y-0.89%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 0.58
Debt/FCF 20.51
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 3.46
Cash Conversion N/A
Profit Quality 35.39%
Current Ratio 0
Quick Ratio 0
Altman-Z 1.21
F-Score4
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)109.31%
Profit Quality(5y)123.15%
High Growth Momentum
Growth
EPS 1Y (TTM)-2.86%
EPS 3Y-1.58%
EPS 5Y2.09%
EPS Q2Q%-3.85%
EPS Next Y3%
EPS Next 2Y1.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.46%
Revenue growth 3Y2.8%
Revenue growth 5Y5.54%
Sales Q2Q%-7.38%
Revenue Next Year0.56%
Revenue Next 2Y0.09%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-5.75%
EBIT growth 3Y0.83%
EBIT growth 5Y5.67%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-74.51%
FCF growth 3Y-33.13%
FCF growth 5Y-21%
OCF growth 1Y-74.51%
OCF growth 3Y-33.13%
OCF growth 5Y-21%

ATRIUM MORTGAGE INVESTMENT C / AI.CA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of ATRIUM MORTGAGE INVESTMENT C (AI.CA) stock?

ChartMill assigns a fundamental rating of 4 / 10 to AI.CA.


Can you provide the valuation status for ATRIUM MORTGAGE INVESTMENT C?

ChartMill assigns a valuation rating of 5 / 10 to ATRIUM MORTGAGE INVESTMENT C (AI.CA). This can be considered as Fairly Valued.


How profitable is ATRIUM MORTGAGE INVESTMENT C (AI.CA) stock?

ATRIUM MORTGAGE INVESTMENT C (AI.CA) has a profitability rating of 6 / 10.


Can you provide the PE and PB ratios for AI stock?

The Price/Earnings (PE) ratio for ATRIUM MORTGAGE INVESTMENT C (AI.CA) is 11.94 and the Price/Book (PB) ratio is 1.12.


Can you provide the expected EPS growth for AI stock?

The Earnings per Share (EPS) of ATRIUM MORTGAGE INVESTMENT C (AI.CA) is expected to grow by 3% in the next year.