ATRIUM MORTGAGE INVESTMENT C (AI.CA) Stock Fundamental Analysis
TSX:AI - Toronto Stock Exchange - CA04964G1000 - Common Stock - Currency: CAD
AI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 30 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.
In the past 5 years AI always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 5.54%, AI is in the better half of the industry, outperforming 73.33% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.26%, AI is in the better half of the industry, outperforming 76.67% of the companies in the same industry.
AI's Return On Invested Capital of 6.30% is amongst the best of the industry. AI outperforms 83.33% of its industry peers.
AI had an Average Return On Invested Capital over the past 3 years of 6.16%. This is in line with the industry average of 5.73%.
The 3 year average ROIC (6.16%) for AI is below the current ROIC(6.30%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.54% | ||
| ROE | 9.26% | ||
| ROIC | 6.3% |
ROA(3y)5.57%
ROA(5y)5.45%
ROE(3y)9.89%
ROE(5y)9.41%
ROIC(3y)6.16%
ROIC(5y)5.73%
1.3 Margins
The Profit Margin of AI (49.20%) is better than 73.33% of its industry peers.
In the last couple of years the Profit Margin of AI has declined.
AI's Operating Margin of 75.91% is amongst the best of the industry. AI outperforms 96.67% of its industry peers.
AI's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 75.91% | ||
| PM (TTM) | 49.2% | ||
| 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.
AI has a better debt/assets ratio than last year.
2.2 Solvency
AI has an Altman-Z score of 0.98. 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 (0.98) than 73.33% of its industry peers.
AI has a debt to FCF ratio of 4.81. This is a neutral value as AI would need 4.81 years to pay back of all of its debts.
AI has a Debt to FCF ratio of 4.81. This is in the better half of the industry: AI outperforms 70.00% of its industry peers.
AI has a Debt/Equity ratio of 0.63. This is a neutral value indicating AI is somewhat dependend on debt financing.
The Debt to Equity ratio of AI (0.63) is better than 63.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 4.81 | ||
| Altman-Z | 0.98 |
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's Current ratio of 0.00 is on the low side compared to the rest of the industry. AI is outperformed by 86.67% 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.
With a Quick ratio value of 0.00, AI is not doing good in the industry: 86.67% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0 | ||
| Quick Ratio | 0 |
3. Growth
3.1 Past
The earnings per share for AI have decreased by -7.89% 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 decrease in Revenue. The Revenue has decreased by -1.33% 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)-7.89%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%0%
Revenue 1Y (TTM)-1.33%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-12.66%
3.2 Future
AI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.03% yearly.
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
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
AI is valuated reasonably with a Price/Earnings ratio of 10.30.
Based on the Price/Earnings ratio, AI is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
AI is valuated cheaply when we compare the Price/Earnings ratio to 28.88, which is the current average of the S&P500 Index.
AI is valuated reasonably with a Price/Forward Earnings ratio of 10.29.
AI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AI is cheaper than 76.67% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.20, AI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.3 | ||
| Fwd PE | 10.29 |
4.2 Price Multiples
AI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AI is cheaper than 90.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.52 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The decent profitability rating of AI may justify a higher PE ratio.
PEG (NY)180.17
PEG (5Y)5.69
EPS Next 2Y0.03%
EPS Next 3YN/A
5. Dividend
5.1 Amount
AI has a Yearly Dividend Yield of 8.43%, which is a nice return.
Compared to an average industry Dividend Yield of 7.86, AI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.45, AI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.43% |
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.
AI has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)3.99%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
AI pays out 95.95% of its income as dividend. This is not a sustainable payout ratio.
AI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP95.95%
EPS Next 2Y0.03%
EPS Next 3YN/A
TSX:AI (4/30/2025, 7:00:00 PM)
10.81
-0.1 (-0.92%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners5.14%
Inst Owner ChangeN/A
Ins Owners4.24%
Ins Owner ChangeN/A
Market Cap512.50M
Analysts84
Price Target13.15 (21.65%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.43% |
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP95.95%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.36%
Min EPS beat(2)0.97%
Max EPS beat(2)9.75%
EPS beat(4)3
Avg EPS beat(4)3.36%
Min EPS beat(4)-6.51%
Max EPS beat(4)9.75%
EPS beat(8)5
Avg EPS beat(8)-0.32%
EPS beat(12)6
Avg EPS beat(12)-0.89%
EPS beat(16)6
Avg EPS beat(16)-2.54%
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)-1.15%
PT rev (3m)-1.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.7%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)0.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.3 | ||
| Fwd PE | 10.29 | ||
| P/S | 5.27 | ||
| P/FCF | 7.52 | ||
| P/OCF | 7.52 | ||
| P/B | 0.99 | ||
| P/tB | 0.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.05
EY9.71%
EPS(NY)1.05
Fwd EY9.72%
FCF(TTM)1.44
FCFY13.29%
OCF(TTM)1.44
OCFY13.29%
SpS2.05
BVpS10.9
TBVpS10.9
PEG (NY)180.17
PEG (5Y)5.69
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.54% | ||
| ROE | 9.26% | ||
| ROCE | 11.34% | ||
| ROIC | 6.3% | ||
| ROICexc | 6.3% | ||
| ROICexgc | 6.3% | ||
| OM | 75.91% | ||
| PM (TTM) | 49.2% | ||
| GM | N/A | ||
| FCFM | 70.05% |
ROA(3y)5.57%
ROA(5y)5.45%
ROE(3y)9.89%
ROE(5y)9.41%
ROIC(3y)6.16%
ROIC(5y)5.73%
ROICexc(3y)6.16%
ROICexc(5y)5.73%
ROICexgc(3y)6.16%
ROICexgc(5y)5.73%
ROCE(3y)10.46%
ROCE(5y)9.11%
ROICexcg growth 3Y7%
ROICexcg growth 5Y2.39%
ROICexc growth 3Y7%
ROICexc growth 5Y2.39%
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 | 0.63 | ||
| Debt/FCF | 4.81 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.23 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 142.37% | ||
| Current Ratio | 0 | ||
| Quick Ratio | 0 | ||
| Altman-Z | 0.98 |
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)-7.89%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%0%
EPS Next Y0.06%
EPS Next 2Y0.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.33%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-12.66%
Revenue Next Year-7.79%
Revenue Next 2Y-3.66%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.61%
EBIT growth 3Y10.77%
EBIT growth 5Y5.46%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-11.88%
FCF growth 3Y0.12%
FCF growth 5Y7.25%
OCF growth 1Y-11.88%
OCF growth 3Y0.12%
OCF growth 5Y7.25%