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

TSX:AI • CA04964G1000

Current stock price

11.3 CAD
-0.04 (-0.35%)
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

  • AI had positive earnings in the past year.
  • In the past year AI had a positive cash flow from operations.
  • Of the past 5 years AI 4 years were profitable.
  • Of the past 5 years AI 4 years 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 20M 40M 60M

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 78.13% of the companies in the same industry.
  • With an excellent Return On Equity value of 9.41%, AI belongs to the best of the industry, outperforming 81.25% of the companies in the same industry.
  • AI's Return On Invested Capital of 6.08% is amongst the best of the industry. AI outperforms 84.38% of its industry peers.
  • AI had an Average Return On Invested Capital over the past 3 years of 6.60%. This is in line with the industry average of 6.74%.
Industry RankSector 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%
AI.CA Yearly ROA, ROE, ROICAI.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • AI has a Profit Margin of 57.12%. This is amongst the best in the industry. AI outperforms 93.75% of its industry peers.
  • In the last couple of years the Profit Margin of AI has declined.
  • The Operating Margin of AI (81.49%) is better than 100.00% of its industry peers.
  • In the last couple of years the Operating Margin of AI has declined.
Industry RankSector 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
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 20 40 60 80

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2

2. AI.CA Health Analysis

2.1 Basic Checks

  • AI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
AI.CA Yearly Shares OutstandingAI.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 200M 400M 600M 800M

2.2 Solvency

  • AI has an Altman-Z score of 1.16. This is a bad value and indicates that AI is not financially healthy and even has some risk of bankruptcy.
  • AI's Altman-Z score of 1.16 is in line compared to the rest of the industry. AI outperforms 43.75% of its industry peers.
  • 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.
  • Looking at the Debt to Equity ratio, with a value of 0.59, AI is in line with its industry, outperforming 56.25% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 46.98
Altman-Z 1.16
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 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.
  • The Current ratio of AI (0.00) is worse than 87.50% of its industry peers.
  • A Quick Ratio of 0.00 indicates that AI may have some problems paying 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 87.50% 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 100M 200M 300M 400M 500M

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1

3. AI.CA Growth Analysis

3.1 Past

  • The earnings per share for AI have decreased by -2.86% in the last year.
  • The Earnings Per Share has been growing slightly by 2.09% on average over the past years.
EPS 1Y (TTM)-2.86%
EPS 3Y-1.58%
EPS 5Y2.09%
EPS Q2Q%-3.85%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

  • The Earnings Per Share is expected to grow by 1.99% on average over the next years.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y1.49%
EPS Next 2Y1.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.73%
Revenue Next 2YN/A
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 stable.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
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 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

  • With a Price/Earnings ratio of 11.08, the valuation of AI can be described as very reasonable.
  • AI's Price/Earnings ratio is rather cheap when compared to the industry. AI is cheaper than 84.38% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of AI to the average of the S&P500 Index (25.71), we can say AI is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.92, the valuation of AI can be described as very reasonable.
  • AI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. AI is cheaper than 75.00% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.83. AI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.08
Fwd PE 10.92
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

4.2 Price Multiples

  • AI's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 70.23
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 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)7.46
PEG (5Y)5.31
EPS Next 2Y1.99%
EPS Next 3YN/A

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5

5. AI.CA Dividend Analysis

5.1 Amount

  • AI has a Yearly Dividend Yield of 8.20%, which is a nice return.
  • AI's Dividend Yield is a higher than the industry average which is at 6.69.
  • Compared to an average S&P500 Dividend Yield of 1.91, AI pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.2%

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
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 88.11% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of AI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP88.11%
EPS Next 2Y1.99%
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 20M 40M 60M
AI.CA Dividend Payout.AI.CA Dividend Payout, showing the Payout Ratio.AI.CA Dividend Payout.PayoutRetained Earnings

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AI.CA Fundamentals: All Metrics, Ratios and Statistics

ATRIUM MORTGAGE INVESTMENT C

TSX:AI (3/13/2026, 7:00:00 PM)

11.3

-0.04 (-0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26
Earnings (Next)05-11
Inst Owners2%
Inst Owner ChangeN/A
Ins Owners4.99%
Ins Owner ChangeN/A
Market Cap542.06M
Revenue(TTM)N/A
Net Income(TTM)49.59M
Analysts84
Price Target13.26 (17.35%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.2%
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP88.11%
Div Incr Years0
Div Non Decr Years0
Ex-Date05-29
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%
PT rev (3m)0%
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%
Valuation
Industry RankSector Rank
PE 11.08
Fwd PE 10.92
P/S 6.24
P/FCF 70.23
P/OCF 70.23
P/B 1.03
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)1.02
EY9.03%
EPS(NY)1.04
Fwd EY9.16%
FCF(TTM)0.16
FCFY1.42%
OCF(TTM)0.16
OCFY1.42%
SpS1.81
BVpS10.99
TBVpS10.99
PEG (NY)7.46
PEG (5Y)5.31
Graham Number15.88
Profitability
Industry RankSector 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 RankSector 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 1.16
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)-2.86%
EPS 3Y-1.58%
EPS 5Y2.09%
EPS Q2Q%-3.85%
EPS Next Y1.49%
EPS Next 2Y1.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year-0.73%
Revenue Next 2YN/A
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 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.


What is the valuation status for AI stock?

ChartMill assigns a valuation rating of 5 / 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 grow by 1.49% in the next year.