(AIdbf.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:AIdbf -
100.4
+0.4 (+0.4%)
AIdbf gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 26 industry peers in the Financial Services industry. Both the profitability and the financial health of AIdbf get a neutral evaluation. Nothing too spectacular is happening here. AIdbf has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
AIdbf had positive earnings in the past year.
AIdbf had a positive operating cash flow in the past year.
Of the past 5 years AIdbf 4 years were profitable.
Of the past 5 years AIdbf 4 years had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 5.20%, AIdbf is doing good in the industry, outperforming 62.07% of the companies in the same industry.
AIdbf has a Return On Equity of 9.53%. This is amongst the best in the industry. AIdbf outperforms 82.76% of its industry peers.
AIdbf has a better Return On Invested Capital (6.01%) than 72.41% of its industry peers.
AIdbf had an Average Return On Invested Capital over the past 3 years of 5.78%. This is in line with the industry average of 5.80%.
The 3 year average ROIC (5.78%) for AIdbf is below the current ROIC(6.01%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.2% | ||
| ROE | 9.53% | ||
| ROIC | 6.01% |
ROA(3y)5.52%
ROA(5y)5.39%
ROE(3y)9.77%
ROE(5y)9.25%
ROIC(3y)5.78%
ROIC(5y)5.6%
1.3 Margins
AIdbf has a better Profit Margin (46.77%) than 62.07% of its industry peers.
In the last couple of years the Profit Margin of AIdbf has declined.
AIdbf has a better Operating Margin (73.96%) than 86.21% of its industry peers.
In the last couple of years the Operating Margin of AIdbf has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 73.96% | ||
| PM (TTM) | 46.77% | ||
| GM | N/A |
OM growth 3Y-1.12%
OM growth 5Y-1.38%
PM growth 3Y-4.66%
PM growth 5Y-2.04%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
There is no outstanding debt for AIdbf. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
An Altman-Z score of 7.37 indicates that AIdbf is not in any danger for bankruptcy at the moment.
The Altman-Z score of AIdbf (7.37) is better than 62.07% of its industry peers.
AIdbf has a debt to FCF ratio of 4.75. This is a neutral value as AIdbf would need 4.75 years to pay back of all of its debts.
AIdbf has a Debt to FCF ratio of 4.75. This is amongst the best in the industry. AIdbf outperforms 86.21% of its industry peers.
A Debt/Equity ratio of 0.80 indicates that AIdbf is somewhat dependend on debt financing.
AIdbf's Debt to Equity ratio of 0.80 is in line compared to the rest of the industry. AIdbf outperforms 48.28% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 4.75 | ||
| Altman-Z | 7.37 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
AIdbf has a Current Ratio of 0.01. This is a bad value and indicates that AIdbf is not financially healthy enough and could expect problems in meeting its short term obligations.
AIdbf has a Current ratio of 0.01. This is amonst the worse of the industry: AIdbf underperforms 82.76% of its industry peers.
AIdbf has a Quick Ratio of 0.01. This is a bad value and indicates that AIdbf is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.01, AIdbf is not doing good in the industry: 82.76% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.01 | ||
| Quick Ratio | 0.01 |
3. Growth
3.1 Past
AIdbf shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.90%.
AIdbf shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.81% yearly.
EPS 1Y (TTM)-1.9%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-3.85%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
3.2 Future
Based on estimates for the next years, AIdbf will show a small growth in Earnings Per Share. The EPS will grow by 0.34% on average per year.
Based on estimates for the next years, AIdbf will show a decrease in Revenue. The Revenue will decrease by -6.94% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
AIdbf is valuated quite expensively with a Price/Earnings ratio of 97.48.
62.07% of the companies in the same industry are more expensive than AIdbf, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.51. AIdbf is valued rather expensively when compared to this.
The Price/Forward Earnings ratio is 96.51, which means the current valuation is very expensive for AIdbf.
The rest of the industry has a similar Price/Forward Earnings ratio as AIdbf.
AIdbf's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 23.13.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.48 | ||
| Fwd PE | 96.51 |
4.2 Price Multiples
65.52% of the companies in the same industry are more expensive than AIdbf, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 57.33 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AIdbf has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)53.9
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.97%, AIdbf is a good candidate for dividend investing.
AIdbf's Dividend Yield is a higher than the industry average which is at 5.82.
AIdbf's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.97% |
5.2 History
The dividend of AIdbf has a limited annual growth rate of 3.99%.
AIdbf does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)3.99%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
AIdbf pays out 96.53% of its income as dividend. This is not a sustainable payout ratio.
AIdbf's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP96.53%
EPS Next 2Y-0.46%
EPS Next 3Y0.34%
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.8%
Inst Owner ChangeN/A
Ins Owners5%
Ins Owner ChangeN/A
Market Cap4.80B
Revenue(TTM)N/A
Net Income(TTM)47.03M
Analysts84
Price Target113.15 (12.7%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.97% |
Yearly Dividend1.01
Dividend Growth(5Y)3.99%
DP96.53%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.77%
Min EPS beat(2)-6.51%
Max EPS beat(2)0.97%
EPS beat(4)2
Avg EPS beat(4)0.19%
Min EPS beat(4)-6.51%
Max EPS beat(4)9.22%
EPS beat(8)4
Avg EPS beat(8)-1.7%
EPS beat(12)5
Avg EPS beat(12)-1.95%
EPS beat(16)6
Avg EPS beat(16)-2.93%
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)-1.29%
PT rev (3m)0.68%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 97.48 | ||
| Fwd PE | 96.51 | ||
| P/S | 47.74 | ||
| P/FCF | 57.33 | ||
| P/OCF | 57.33 | ||
| P/B | 9.72 | ||
| P/tB | 9.72 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY1.03%
EPS(NY)1.04
Fwd EY1.04%
FCF(TTM)1.75
FCFY1.74%
OCF(TTM)1.75
OCFY1.74%
SpS2.1
BVpS10.32
TBVpS10.32
PEG (NY)N/A
PEG (5Y)53.9
Graham Number15.47
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.2% | ||
| ROE | 9.53% | ||
| ROCE | 8.35% | ||
| ROIC | 6.01% | ||
| ROICexc | 6.01% | ||
| ROICexgc | 6.01% | ||
| OM | 73.96% | ||
| PM (TTM) | 46.77% | ||
| GM | N/A | ||
| FCFM | 83.27% |
ROA(3y)5.52%
ROA(5y)5.39%
ROE(3y)9.77%
ROE(5y)9.25%
ROIC(3y)5.78%
ROIC(5y)5.6%
ROICexc(3y)5.78%
ROICexc(5y)5.6%
ROICexgc(3y)5.78%
ROICexgc(5y)5.6%
ROCE(3y)8.02%
ROCE(5y)7.77%
ROICexgc growth 3Y8.55%
ROICexgc growth 5Y4.97%
ROICexc growth 3Y8.55%
ROICexc growth 5Y4.97%
OM growth 3Y-1.12%
OM growth 5Y-1.38%
PM growth 3Y-4.66%
PM growth 5Y-2.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 4.75 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.05 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 178.04% | ||
| Current Ratio | 0.01 | ||
| Quick Ratio | 0.01 | ||
| Altman-Z | 7.37 |
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)145.99%
Profit Quality(5y)141.28%
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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year-12.76%
Revenue Next 2Y-6.94%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.98%
EBIT growth 3Y13.59%
EBIT growth 5Y9.53%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y24.94%
FCF growth 3Y11.08%
FCF growth 5Y13.43%
OCF growth 1Y24.94%
OCF growth 3Y11.08%
OCF growth 5Y13.26%
/ AIdbf.CA FAQ
What is the ChartMill fundamental rating of (AIdbf.CA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to AIdbf.CA.
Can you provide the valuation status for ?
ChartMill assigns a valuation rating of 2 / 10 to (AIdbf.CA). This can be considered as Overvalued.
How profitable is (AIdbf.CA) stock?
(AIdbf.CA) has a profitability rating of 6 / 10.
How financially healthy is ?
The financial health rating of (AIdbf.CA) is 4 / 10.
How sustainable is the dividend of (AIdbf.CA) stock?
The dividend rating of (AIdbf.CA) is 4 / 10 and the dividend payout ratio is 96.53%.