ATRIUM MORTGAGE INVESTMENT C (AI.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:AI - CA04964G1000 - Common Stock
11.58 CAD
-0.07 (-0.6%)
Taking everything into account, AI scores 4 out of 10 in our fundamental rating. AI was compared to 26 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 it does not seem to be growing.
1. Profitability
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.
1.2 Ratios
AI has a Return On Assets of 5.54%. This is in the better half of the industry: AI outperforms 76.92% of its industry peers.
AI has a better Return On Equity (9.41%) than 84.62% of its industry peers.
AI has a Return On Invested Capital of 6.08%. This is amongst the best in the industry. AI outperforms 88.46% 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 5.80%.
| 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
With an excellent Profit Margin value of 57.12%, AI belongs to the best of the industry, outperforming 92.31% 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 81.49%, AI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
AI's Operating Margin has declined in the last couple of years.
| 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 has been increased compared to 1 year ago.
Compared to 5 years ago, AI has more shares outstanding
AI has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.18, we must say that AI is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 1.18, AI is not doing good in the industry: 69.23% of the companies in the same industry are doing better.
AI has a debt to FCF ratio of 46.98. This is a negative value and a sign of low solvency as AI would need 46.98 years to pay back of all of its debts.
AI has a Debt to FCF ratio (46.98) which is in line with its industry peers.
AI has a Debt/Equity ratio of 0.59. This is a neutral value indicating AI is somewhat dependend on debt financing.
AI has a Debt to Equity ratio of 0.59. This is in the better half of the industry: AI outperforms 65.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 46.98 | ||
| Altman-Z | 1.18 |
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 88.46% 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 88.46% 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 -1.90% in the last year.
The Earnings Per Share has been growing slightly by 1.81% on average over the past years.
Looking at the last year, AI shows a very negative growth in Revenue. The Revenue has decreased by -13.66% in the last year.
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)-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
AI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.34% yearly.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
AI is valuated reasonably with a Price/Earnings ratio of 11.24.
Based on the Price/Earnings ratio, AI is valued cheaply inside the industry as 84.62% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.51, AI is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.13, the valuation of AI can be described as reasonable.
76.92% of the companies in the same industry are more expensive than AI, based on the Price/Forward Earnings ratio.
AI is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | 11.13 |
4.2 Price Multiples
AI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. AI is cheaper than 65.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 71.73 | ||
| 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)6.22
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
5. Dividend
5.1 Amount
AI has a Yearly Dividend Yield of 7.97%, which is a nice return.
AI's Dividend Yield is a higher than the industry average which is at 5.82.
Compared to an average S&P500 Dividend Yield of 2.00, AI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.97% |
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
88.11% of the earnings are spent on dividend by AI. This is not a sustainable payout ratio.
AI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP88.11%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
TSX:AI (12/31/2025, 7:00:00 PM)
11.58
-0.07 (-0.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.8%
Inst Owner ChangeN/A
Ins Owners5%
Ins Owner ChangeN/A
Market Cap553.64M
Revenue(TTM)86.81M
Net Income(TTM)49.59M
Analysts84
Price Target13.26 (14.51%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.97% |
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP88.11%
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)2
Avg EPS beat(4)3.29%
Min EPS beat(4)-2.91%
Max EPS beat(4)9.75%
EPS beat(8)4
Avg EPS beat(8)1.74%
EPS beat(12)6
Avg EPS beat(12)-0.04%
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)0.08%
PT rev (3m)0.08%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.24 | ||
| Fwd PE | 11.13 | ||
| P/S | 6.38 | ||
| P/FCF | 71.73 | ||
| P/OCF | 71.73 | ||
| P/B | 1.05 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY8.89%
EPS(NY)1.04
Fwd EY8.98%
FCF(TTM)0.16
FCFY1.39%
OCF(TTM)0.16
OCFY1.39%
SpS1.82
BVpS11.02
TBVpS11.02
PEG (NY)N/A
PEG (5Y)6.22
Graham Number15.98
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.54% | ||
| ROE | 9.41% | ||
| ROCE | 8.49% | ||
| ROIC | 6.08% | ||
| ROICexc | 6.08% | ||
| ROICexgc | 6.08% | ||
| OM | 81.49% | ||
| PM (TTM) | 57.12% | ||
| GM | N/A | ||
| FCFM | 8.89% |
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%
ROICexgc growth 3Y10.01%
ROICexgc 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 | 0.59 | ||
| Debt/FCF | 46.98 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.5 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 15.56% | ||
| Current Ratio | 0 | ||
| Quick Ratio | 0 | ||
| Altman-Z | 1.18 |
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)-1.9%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-3.85%
EPS Next Y-0.43%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
EPS Next 5YN/A
Revenue 1Y (TTM)-13.66%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-14.18%
Revenue Next Year-12.76%
Revenue Next 2Y-6.94%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.86%
EBIT growth 3Y10.77%
EBIT growth 5Y5.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-90.05%
FCF growth 3Y0.12%
FCF growth 5Y7.25%
OCF growth 1Y-90.05%
OCF growth 3Y0.12%
OCF growth 5Y7.25%
ATRIUM MORTGAGE INVESTMENT C / AI.CA 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.
What is the valuation status for AI stock?
ChartMill assigns a valuation rating of 6 / 10 to ATRIUM MORTGAGE INVESTMENT C (AI.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for ATRIUM MORTGAGE INVESTMENT C?
ATRIUM MORTGAGE INVESTMENT C (AI.CA) has a profitability rating of 6 / 10.
What is the financial health of ATRIUM MORTGAGE INVESTMENT C (AI.CA) stock?
The financial health rating of ATRIUM MORTGAGE INVESTMENT C (AI.CA) is 2 / 10.
What is the earnings growth outlook for ATRIUM MORTGAGE INVESTMENT C?
The Earnings per Share (EPS) of ATRIUM MORTGAGE INVESTMENT C (AI.CA) is expected to decline by -0.43% in the next year.