ATRIUM MORTGAGE INVESTMENT C (AI.CA) Stock Fundamental Analysis
TSX:AI • CA04964G1000
11.94 CAD
-0.01 (-0.08%)
Last: Feb 18, 2026, 07:00 PM
We assign a fundamental rating of 4 out of 10 to AI. AI was compared to 27 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 is valued correctly, but it does not seem to be growing.
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.
- Each year in the past 5 years AI has been profitable.
- Each year in the past 5 years AI had a positive operating cash flow.
1.2 Ratios
- AI has a Return On Assets of 5.54%. This is in the better half of the industry: AI outperforms 74.07% of its industry peers.
- AI's Return On Equity of 9.41% is fine compared to the rest of the industry. AI outperforms 77.78% of its industry peers.
- The Return On Invested Capital of AI (6.08%) is better than 81.48% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for AI is in line with the industry average of 8.08%.
| Industry Rank | Sector 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%
1.3 Margins
- AI's Profit Margin of 57.12% is amongst the best of the industry. AI outperforms 92.59% of its industry peers.
- In the last couple of years the Profit Margin of AI has declined.
- AI has a better Operating Margin (81.49%) than 100.00% of its industry peers.
- AI's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- The number of shares outstanding for AI has been increased compared to 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
- Based on the Altman-Z score of 1.21, we must say that AI is in the distress zone and has some risk of bankruptcy.
- With a Altman-Z score value of 1.21, AI is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
- The Debt to FCF ratio of AI is 46.98, which is on the high side as it means it would take AI, 46.98 years of fcf income to pay off all of its debts.
- AI's Debt to FCF ratio of 46.98 is in line compared to the rest of the industry. AI outperforms 51.85% of 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 the better half of the industry, outperforming 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 46.98 | ||
| Altman-Z | 1.21 |
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.
- With a Current ratio value of 0.00, AI is not doing good in the industry: 85.19% of the companies in the same industry are doing better.
- 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 85.19% 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 -1.90%.
- 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.
- AI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.66%.
- The Revenue has been growing by 8.01% on average over the past years. This is quite good.
EPS 1Y (TTM)-1.9%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-3.85%
Revenue 1Y (TTM)-13.66%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-14.18%
3.2 Future
- The Earnings Per Share is expected to grow by 0.34% on average over the next years.
- AI is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -6.94% yearly.
EPS Next Y-0.43%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
EPS Next 5YN/A
Revenue Next Year-12.76%
Revenue Next 2Y-6.94%
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
- The Price/Earnings ratio is 11.59, which indicates a very decent valuation of AI.
- Compared to the rest of the industry, the Price/Earnings ratio of AI indicates a somewhat cheap valuation: AI is cheaper than 77.78% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.27. AI is valued rather cheaply when compared to this.
- With a Price/Forward Earnings ratio of 11.48, the valuation of AI can be described as very reasonable.
- Based on the Price/Forward Earnings ratio, AI is valued a bit cheaper than the industry average as 70.37% of the companies are valued more expensively.
- AI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.16.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.59 | ||
| Fwd PE | 11.48 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of AI is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 74.21 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- AI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)6.41
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 7.91%, AI is a good candidate for dividend investing.
- AI's Dividend Yield is a higher than the industry average which is at 5.63.
- Compared to an average S&P500 Dividend Yield of 1.85, AI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.91% |
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
- 88.11% 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.
DP88.11%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
TSX:AI (2/18/2026, 7:00:00 PM)
11.94
-0.01 (-0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-12 2026-02-12
Earnings (Next)05-11 2026-05-11
Inst Owners1.9%
Inst Owner ChangeN/A
Ins Owners4.99%
Ins Owner ChangeN/A
Market Cap572.76M
Revenue(TTM)86.81M
Net Income(TTM)49.59M
Analysts84
Price Target13.26 (11.06%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.91% |
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP88.11%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31 2026-03-31 (0.0775)
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)0.08%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4%
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)0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.59 | ||
| Fwd PE | 11.48 | ||
| P/S | 6.6 | ||
| P/FCF | 74.21 | ||
| P/OCF | 74.21 | ||
| P/B | 1.09 | ||
| P/tB | 1.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY8.63%
EPS(NY)1.04
Fwd EY8.71%
FCF(TTM)0.16
FCFY1.35%
OCF(TTM)0.16
OCFY1.35%
SpS1.81
BVpS10.99
TBVpS10.99
PEG (NY)N/A
PEG (5Y)6.41
Graham Number15.96
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.21 |
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)-1.9%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-3.85%
EPS Next Y-0.43%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
EPS Next 5YN/A
Revenue 1Y (TTM)-13.66%
Revenue growth 3Y14.83%
Revenue growth 5Y8.01%
Sales Q2Q%-14.18%
Revenue Next Year-12.76%
Revenue Next 2Y-6.94%
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 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 decline by -0.43% in the next year.