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. 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 on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
AI had positive earnings in the past year.
In the past year AI had a positive cash flow from operations.
AI had positive earnings in each of the past 5 years.
AI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of AI (5.59%) is better than 89.66% of its industry peers.
AI has a Return On Equity of 9.17%. This is in the better half of the industry: AI outperforms 79.31% of its industry peers.
With an excellent Return On Invested Capital value of 6.45%, AI belongs to the best of the industry, outperforming 86.21% of the companies in the same industry.
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 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
Looking at the Profit Margin, with a value of 50.74%, AI is in the better half of the industry, outperforming 75.86% of the companies in the same industry.
AI's Profit Margin has declined in the last couple of years.
AI has a Operating Margin of 76.84%. This is amongst the best in 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
The number of shares outstanding for AI has been increased compared to 1 year ago.
The number of shares outstanding for AI has been increased compared to 5 years ago.
Compared to 1 year ago, AI has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.01, we must say that AI is in the distress zone and has some risk of bankruptcy.
AI has a Altman-Z score of 1.01. This is in the lower half of the industry: AI underperforms 72.41% of its industry peers.
The Debt to FCF ratio of AI is 4.84, which is a neutral value as it means it would take AI, 4.84 years of fcf income to pay off all of its debts.
AI has a Debt to FCF ratio of 4.84. This is amongst the best in 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.
With a decent Debt to Equity ratio value of 0.55, AI is doing good in the industry, outperforming 68.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.55 | ||
| Debt/FCF | 4.84 | ||
| Altman-Z | 1.01 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.00 indicates that AI may have some problems paying 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 86.21% 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.
The Quick ratio of AI (0.00) is worse 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%.
The Earnings Per Share has been growing slightly by 1.81% on average over the past years.
The Revenue has decreased by -6.02% in the past 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)-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.
AI is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -6.88% yearly.
EPS Next Y0.06%
EPS Next 2Y0.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-10.96%
Revenue Next 2Y-6.88%
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
Based on the Price/Earnings ratio of 11.30, 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.
AI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.99.
With a Price/Forward Earnings ratio of 11.08, 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 75.86% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.36, AI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.3 | ||
| Fwd PE | 11.08 |
4.2 Price Multiples
AI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AI is cheaper than 96.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.26 | ||
| 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.
AI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)197.77
PEG (5Y)6.25
EPS Next 2Y0.03%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.12%, AI is a good candidate for dividend investing.
AI's Dividend Yield is a higher than the industry average which is at 6.20.
AI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.12% |
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
AI pays out 88.21% 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.
DP88.21%
EPS Next 2Y0.03%
EPS Next 3YN/A
TSX:AI (8/6/2025, 7:00:00 PM)
11.64
+0.08 (+0.69%)
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 Cap553.71M
Analysts84
Price Target13.18 (13.23%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.12% |
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)-3.44%
Revenue NY rev (3m)-3.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.3 | ||
| Fwd PE | 11.08 | ||
| P/S | 5.89 | ||
| P/FCF | 8.26 | ||
| P/OCF | 8.26 | ||
| P/B | 1.06 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY8.85%
EPS(NY)1.05
Fwd EY9.03%
FCF(TTM)1.41
FCFY12.11%
OCF(TTM)1.41
OCFY12.11%
SpS1.98
BVpS10.94
TBVpS10.94
PEG (NY)197.77
PEG (5Y)6.25
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 | 1.01 |
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-10.96%
Revenue Next 2Y-6.88%
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%