ATRIUM MORTGAGE INVESTMENT C (AI.CA) Stock Fundamental Analysis
Canada - TSX:AI - CA04964G1000 - Common Stock
11.23 CAD
+0.13 (+1.17%)
Overall AI gets a fundamental rating of 4 out of 10. We evaluated AI against 27 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.
AI had positive earnings in each of the past 5 years.
Each year in the past 5 years AI had a positive operating cash flow.
1.2 Ratios
The Return On Assets of AI (5.48%) is better than 77.78% of its industry peers.
With an excellent Return On Equity value of 9.40%, AI belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
The Return On Invested Capital of AI (6.07%) is better than 92.59% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for AI is in line with the industry average of 5.03%.
| 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 74.07% of its industry peers.
AI's Profit Margin has declined in the last couple of years.
AI has a Operating Margin of 79.88%. This is amongst the best in 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.
AI has more shares outstanding than it did 5 years ago.
AI has a better debt/assets ratio than last year.
2.2 Solvency
AI has an Altman-Z score of 0.80. 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 (0.80) is worse than 77.78% 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 of 50.47. This is comparable to the rest of the industry: AI outperforms 51.85% of its industry peers.
A Debt/Equity ratio of 0.63 indicates that AI is somewhat dependend on debt financing.
AI's Debt to Equity ratio of 0.63 is fine compared to the rest of the industry. AI outperforms 70.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 50.47 | ||
| Altman-Z | 0.8 |
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.
Looking at the Current ratio, with a value of 0.00, AI is doing worse than 85.19% of the companies in the same industry.
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.
Looking at the Quick ratio, with a value of 0.00, AI is doing worse than 85.19% of the companies in the same industry.
| 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
The Revenue has been growing by 8.01% on average over the past years. This is quite good.
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
The Earnings Per Share is expected to decrease by -1.20% on average over the next years.
The Revenue is expected to decrease by -7.43% on average over the next years.
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
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
With a Price/Earnings ratio of 10.80, the valuation of AI can be described as very reasonable.
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.
AI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.13.
Based on the Price/Forward Earnings ratio of 10.96, the valuation of AI can be described as reasonable.
AI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AI is cheaper than 77.78% of the companies in the same industry.
AI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.35, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.8 | ||
| Fwd PE | 10.96 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AI is valued a bit cheaper than 62.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 72.88 | ||
| 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)5.97
EPS Next 2Y-1.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.22%, AI is a good candidate for dividend investing.
AI's Dividend Yield is a higher than the industry average which is at 6.94.
Compared to an average S&P500 Dividend Yield of 2.39, AI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.22% |
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 (11/5/2025, 7:00:00 PM)
11.23
+0.13 (+1.17%)
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 Cap535.33M
Revenue(TTM)90.29M
Net Income(TTM)49.30M
Analysts84
Price Target13.25 (17.99%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.22% |
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)0%
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 | 10.8 | ||
| Fwd PE | 10.96 | ||
| P/S | 5.93 | ||
| P/FCF | 72.88 | ||
| P/OCF | 72.88 | ||
| P/B | 1.02 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.04
EY9.26%
EPS(NY)1.02
Fwd EY9.13%
FCF(TTM)0.15
FCFY1.37%
OCF(TTM)0.15
OCFY1.37%
SpS1.89
BVpS11
TBVpS11
PEG (NY)N/A
PEG (5Y)5.97
Graham Number16.04
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%
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 | 0.63 | ||
| 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 | 0.8 |
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%
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 of ATRIUM MORTGAGE INVESTMENT C (AI.CA) stock?
ChartMill assigns a valuation rating of 6 / 10 to ATRIUM MORTGAGE INVESTMENT C (AI.CA). This can be considered as Fairly Valued.
What is the profitability of AI stock?
ATRIUM MORTGAGE INVESTMENT C (AI.CA) has a profitability rating of 6 / 10.
How financially healthy is ATRIUM MORTGAGE INVESTMENT C?
The financial health rating of ATRIUM MORTGAGE INVESTMENT C (AI.CA) is 2 / 10.
What is the expected EPS growth for ATRIUM MORTGAGE INVESTMENT C (AI.CA) stock?
The Earnings per Share (EPS) of ATRIUM MORTGAGE INVESTMENT C (AI.CA) is expected to decline by -0.43% in the next year.