(AIdbf.CA) Stock Fundamental Analysis
Canada - TSX:AIdbf -
100.02
-0.96 (-0.95%)
Taking everything into account, AIdbf scores 3 out of 10 in our fundamental rating. AIdbf was compared to 27 industry peers in the Financial Services industry. AIdbf has a medium profitability rating, but doesn't score so well on its financial health evaluation. AIdbf does not seem to be growing, but still is valued expensively.
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.
AIdbf had positive earnings in 4 of the past 5 years.
AIdbf had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
AIdbf's Return On Assets of 5.20% is fine compared to the rest of the industry. AIdbf outperforms 66.67% of its industry peers.
AIdbf's Return On Equity of 9.53% is amongst the best of the industry. AIdbf outperforms 85.19% of its industry peers.
Looking at the Return On Invested Capital, with a value of 6.01%, AIdbf is in the better half of the industry, outperforming 74.07% of the companies in the same industry.
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 5.61%.
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
Looking at the Profit Margin, with a value of 46.77%, AIdbf is in the better half of the industry, outperforming 62.96% of the companies in the same industry.
AIdbf's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 73.96%, AIdbf belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
AIdbf's Operating Margin has been stable in the last couple of years.
| 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 7.35 indicates that AIdbf is not in any danger for bankruptcy at the moment.
AIdbf has a better Altman-Z score (7.35) than 62.96% 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's Debt to FCF ratio of 4.75 is fine compared to the rest of the industry. AIdbf outperforms 74.07% of its industry peers.
AIdbf has a Debt/Equity ratio of 0.80. This is a neutral value indicating AIdbf is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.80, AIdbf perfoms like the industry average, outperforming 51.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 4.75 | ||
| Altman-Z | 7.35 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.01 indicates that AIdbf may have some problems paying its short term obligations.
AIdbf's Current ratio of 0.01 is on the low side compared to the rest of the industry. AIdbf is outperformed by 81.48% of its industry peers.
A Quick Ratio of 0.01 indicates that AIdbf may have some problems paying its short term obligations.
The Quick ratio of AIdbf (0.01) is worse than 81.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.01 | ||
| Quick Ratio | 0.01 |
3. Growth
3.1 Past
The earnings per share for AIdbf have decreased by 0.00% in the last year.
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)0%
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
AIdbf is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.20% yearly.
The Revenue is expected to decrease by -7.43% on average over the next years.
EPS Next Y-0.43%
EPS Next 2Y-1.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-12.85%
Revenue Next 2Y-7.43%
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
The Price/Earnings ratio is 96.17, which means the current valuation is very expensive for AIdbf.
62.96% of the companies in the same industry are more expensive than AIdbf, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 25.89, AIdbf is valued quite expensively.
Based on the Price/Forward Earnings ratio of 97.59, the valuation of AIdbf can be described as expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AIdbf is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of AIdbf to the average of the S&P500 Index (34.59), we can say AIdbf is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 96.17 | ||
| Fwd PE | 97.59 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, AIdbf is valued a bit cheaper than 70.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 56.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The decent profitability rating of AIdbf may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)53.18
EPS Next 2Y-1.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
AIdbf has a Yearly Dividend Yield of 8.30%, which is a nice return.
AIdbf's Dividend Yield is a higher than the industry average which is at 6.79.
Compared to an average S&P500 Dividend Yield of 2.44, AIdbf pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.3% |
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 declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP96.53%
EPS Next 2Y-1.2%
EPS Next 3YN/A
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners1.73%
Inst Owner ChangeN/A
Ins Owners5%
Ins Owner ChangeN/A
Market Cap4.77B
Revenue(TTM)N/A
Net Income(TTM)47.03M
Analysts84
Price Target114.63 (14.61%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.3% |
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)2.89%
PT rev (3m)2.9%
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 | 96.17 | ||
| Fwd PE | 97.59 | ||
| P/S | 47.42 | ||
| P/FCF | 56.95 | ||
| P/OCF | 56.95 | ||
| P/B | 9.66 | ||
| P/tB | 9.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.04
EY1.04%
EPS(NY)1.02
Fwd EY1.02%
FCF(TTM)1.76
FCFY1.76%
OCF(TTM)1.76
OCFY1.76%
SpS2.11
BVpS10.35
TBVpS10.35
PEG (NY)N/A
PEG (5Y)53.18
Graham Number15.57
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 | 7.35 |
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)0%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%3.85%
EPS Next Y-0.43%
EPS Next 2Y-1.2%
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-12.85%
Revenue Next 2Y-7.43%
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
Can you provide the ChartMill fundamental rating for ?
ChartMill assigns a fundamental rating of 3 / 10 to AIdbf.CA.
What is the valuation status of (AIdbf.CA) stock?
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.
Can you provide the financial health for AIdbf stock?
The financial health rating of (AIdbf.CA) is 3 / 10.
What is the expected EPS growth for (AIdbf.CA) stock?
The Earnings per Share (EPS) of (AIdbf.CA) is expected to decline by -0.43% in the next year.