(AIdbf.CA) Stock Fundamental Analysis
TSX:AIdbf -
98.25
0 (0%)
AIdbf gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 29 industry peers in the Financial Services industry. While AIdbf is still in line with the averages on profitability rating, there are concerns on its financial health. 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.
In the past year AIdbf had a positive cash flow from operations.
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
AIdbf has a better Return On Assets (5.20%) than 62.07% of its industry peers.
AIdbf has a better Return On Equity (9.53%) than 82.76% of its industry peers.
AIdbf's Return On Invested Capital of 6.01% is fine compared to the rest of the industry. AIdbf outperforms 72.41% of its industry peers.
The Average Return On Invested Capital over the past 3 years for AIdbf is in line with the industry average of 5.62%.
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
With a decent Profit Margin value of 46.77%, AIdbf is doing good in the industry, outperforming 62.07% of the companies in the same industry.
In the last couple of years the Profit Margin of AIdbf has declined.
AIdbf's Operating Margin of 73.96% is amongst the best of the industry. AIdbf outperforms 82.76% 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
AIdbf has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
An Altman-Z score of 7.22 indicates that AIdbf is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 7.22, AIdbf is in the better half of the industry, outperforming 62.07% of the companies in the same industry.
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.
With a decent Debt to FCF ratio value of 4.75, AIdbf is doing good in the industry, outperforming 75.86% of the companies in the same industry.
AIdbf has a Debt/Equity ratio of 0.80. This is a neutral value indicating AIdbf is somewhat dependend on debt financing.
The Debt to Equity ratio of AIdbf (0.80) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 4.75 | ||
| Altman-Z | 7.22 |
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.
Looking at the Current ratio, with a value of 0.01, AIdbf is doing worse than 82.76% of the companies in the same industry.
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.
AIdbf has a Quick ratio of 0.01. This is amonst the worse of the industry: AIdbf underperforms 82.76% 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
Based on estimates for the next years, AIdbf will show a decrease in Earnings Per Share. The EPS will decrease by -1.20% on average per year.
AIdbf is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -6.88% yearly.
EPS Next Y-2.4%
EPS Next 2Y-1.2%
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.
4. Valuation
4.1 Price/Earnings Ratio
AIdbf is valuated quite expensively with a Price/Earnings ratio of 94.47.
AIdbf's Price/Earnings ratio is in line with the industry average.
AIdbf's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.13.
AIdbf is valuated quite expensively with a Price/Forward Earnings ratio of 95.87.
AIdbf's Price/Forward Earnings is on the same level as the industry average.
AIdbf's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.76.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 94.47 | ||
| Fwd PE | 95.87 |
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 | 55.89 | ||
| 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)52.24
EPS Next 2Y-1.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.96%, AIdbf is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.12, AIdbf pays a better dividend. On top of this AIdbf pays more dividend than 82.76% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, AIdbf pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.96% |
5.2 History
The dividend of AIdbf has a limited annual growth rate of 3.99%.
AIdbf is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)3.99%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
96.53% of the earnings are spent on dividend by AIdbf. 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 Owners2.14%
Inst Owner ChangeN/A
Ins Owners5.02%
Ins Owner ChangeN/A
Market Cap4.68B
Analysts84
Price Target110.86 (12.83%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.96% |
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)-4.91%
PT rev (3m)-5.12%
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 | 94.47 | ||
| Fwd PE | 95.87 | ||
| P/S | 46.54 | ||
| P/FCF | 55.89 | ||
| P/OCF | 55.89 | ||
| P/B | 9.48 | ||
| P/tB | 9.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.04
EY1.06%
EPS(NY)1.02
Fwd EY1.04%
FCF(TTM)1.76
FCFY1.79%
OCF(TTM)1.76
OCFY1.79%
SpS2.11
BVpS10.36
TBVpS10.36
PEG (NY)N/A
PEG (5Y)52.24
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%
ROICexcg growth 3Y8.55%
ROICexcg 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 | 7.22 |
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-2.4%
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-10.96%
Revenue Next 2Y-6.88%
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%