ATRIUM MORTGAGE INVESTMENT C (AI.CA) Stock Fundamental Analysis
TSX:AI - Toronto Stock Exchange - CA04964G1000 - Common Stock - Currency: CAD
Overall AI gets a fundamental rating of 4 out of 10. We evaluated AI against 29 industry peers in the Financial Services industry. There are concerns on the financial health of AI while its profitability can be described as average. 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.
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 Return On Assets of 5.59%. This is amongst the best in the industry. AI outperforms 89.66% of its industry peers.
Looking at the Return On Equity, with a value of 9.17%, AI is in the better half of the industry, outperforming 79.31% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 6.45%, AI belongs to the top of the industry, outperforming 86.21% 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 5.71%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.59% | ||
| ROE | 9.17% | ||
| ROIC | 6.45% |
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
The Profit Margin of AI (50.74%) is better than 75.86% of its industry peers.
AI's Profit Margin has declined in the last couple of years.
AI's Operating Margin of 76.84% is amongst the best of the industry. AI outperforms 96.55% of its industry peers.
In the last couple of years the Operating Margin of AI has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 76.84% | ||
| PM (TTM) | 50.74% | ||
| 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
Compared to 1 year ago, AI has more shares outstanding
The number of shares outstanding for AI has been increased compared to 5 years ago.
AI has a better debt/assets ratio than last year.
2.2 Solvency
AI has an Altman-Z score of 1.00. 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 (1.00) than 72.41% of its industry peers.
AI has a debt to FCF ratio of 4.84. This is a neutral value as AI would need 4.84 years to pay back of all of its debts.
AI's Debt to FCF ratio of 4.84 is amongst the best of the industry. AI outperforms 86.21% of its industry peers.
A Debt/Equity ratio of 0.55 indicates that AI is somewhat dependend on debt financing.
AI has a Debt to Equity ratio of 0.55. This is in the better half of the industry: AI outperforms 68.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.55 | ||
| Debt/FCF | 4.84 | ||
| Altman-Z | 1 |
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 worse Current ratio (0.00) than 86.21% of its industry peers.
A Quick Ratio of 0.00 indicates that AI may have some problems paying its short term obligations.
AI has a worse Quick ratio (0.00) than 86.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0 | ||
| Quick Ratio | 0 |
3. Growth
3.1 Past
AI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.36%.
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.
The Revenue has decreased by -6.02% in the past 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)-6.36%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-7.41%
Revenue 1Y (TTM)-6.02%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-12.82%
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 0.03% on average per year.
The Revenue is expected to decrease by -3.66% on average over the next years.
EPS Next Y0.06%
EPS Next 2Y0.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-7.79%
Revenue Next 2Y-3.66%
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
Based on the Price/Earnings ratio of 11.17, the valuation of AI can be described as reasonable.
79.31% of the companies in the same industry are more expensive than AI, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of AI to the average of the S&P500 Index (27.41), we can say AI is valued rather cheaply.
AI is valuated reasonably with a Price/Forward Earnings ratio of 10.95.
75.86% of the companies in the same industry are more expensive than AI, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of AI to the average of the S&P500 Index (35.19), we can say AI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.17 | ||
| Fwd PE | 10.95 |
4.2 Price Multiples
93.10% of the companies in the same industry are more expensive than AI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.16 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AI does not grow enough to justify the current Price/Earnings ratio.
The decent profitability rating of AI may justify a higher PE ratio.
PEG (NY)195.39
PEG (5Y)6.17
EPS Next 2Y0.03%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.13%, AI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 7.27, AI has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, AI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.13% |
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
88.21% 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.
DP88.21%
EPS Next 2Y0.03%
EPS Next 3YN/A
TSX:AI (7/11/2025, 7:00:00 PM)
11.5
+0.06 (+0.52%)
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 Cap547.05M
Analysts84
Price Target13.18 (14.61%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.13% |
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP88.21%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.42%
Min EPS beat(2)-2.91%
Max EPS beat(2)9.75%
EPS beat(4)2
Avg EPS beat(4)0.33%
Min EPS beat(4)-6.51%
Max EPS beat(4)9.75%
EPS beat(8)4
Avg EPS beat(8)-1.16%
EPS beat(12)6
Avg EPS beat(12)-0.74%
EPS beat(16)6
Avg EPS beat(16)-1.27%
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)0.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
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%
Revenue NY rev (3m)0.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.17 | ||
| Fwd PE | 10.95 | ||
| P/S | 5.82 | ||
| P/FCF | 8.16 | ||
| P/OCF | 8.16 | ||
| P/B | 1.05 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY8.96%
EPS(NY)1.05
Fwd EY9.14%
FCF(TTM)1.41
FCFY12.25%
OCF(TTM)1.41
OCFY12.25%
SpS1.98
BVpS10.94
TBVpS10.94
PEG (NY)195.39
PEG (5Y)6.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.59% | ||
| ROE | 9.17% | ||
| ROCE | 12.3% | ||
| ROIC | 6.45% | ||
| ROICexc | 6.45% | ||
| ROICexgc | 6.45% | ||
| OM | 76.84% | ||
| PM (TTM) | 50.74% | ||
| GM | N/A | ||
| FCFM | 71.29% |
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 Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.55 | ||
| Debt/FCF | 4.84 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.27 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 140.5% | ||
| Current Ratio | 0 | ||
| Quick Ratio | 0 | ||
| Altman-Z | 1 |
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)-6.36%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-7.41%
EPS Next Y0.06%
EPS Next 2Y0.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.02%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-12.82%
Revenue Next Year-7.79%
Revenue Next 2Y-3.66%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.75%
EBIT growth 3Y10.77%
EBIT growth 5Y5.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y10.31%
FCF growth 3Y0.12%
FCF growth 5Y7.25%
OCF growth 1Y10.31%
OCF growth 3Y0.12%
OCF growth 5Y7.25%