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(AIdbf.CA) Stock Fundamental Analysis

TSX:AIdbf - Toronto Stock Exchange -

99.75  +0.25 (+0.25%)

Fundamental Rating

4

AIdbf gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 29 industry peers in the Financial Services industry. AIdbf has only an average score on both its financial health and profitability. AIdbf does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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6

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.
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.
AIdbf.CA Yearly Net Income VS EBIT VS OCF VS FCFAIdbf.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M

1.2 Ratios

AIdbf has a better Return On Assets (5.20%) than 62.07% of its industry peers.
AIdbf's Return On Equity of 9.53% is fine compared to the rest of the industry. AIdbf outperforms 79.31% of its industry peers.
The Return On Invested Capital of AIdbf (6.01%) is better than 68.97% 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 5.87%.
The last Return On Invested Capital (6.01%) for AIdbf is above the 3 year average (5.78%), which is a sign of increasing profitability.
Industry RankSector 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%
AIdbf.CA Yearly ROA, ROE, ROICAIdbf.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

The Profit Margin of AIdbf (46.77%) is better than 62.07% of its industry peers.
AIdbf's Profit Margin has declined in the last couple of years.
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 RankSector 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
AIdbf.CA Yearly Profit, Operating, Gross MarginsAIdbf.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 20 40 60 80

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4

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.
AIdbf.CA Yearly Shares OutstandingAIdbf.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M
AIdbf.CA Yearly Total Debt VS Total AssetsAIdbf.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M

2.2 Solvency

AIdbf has an Altman-Z score of 7.30. This indicates that AIdbf is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of AIdbf (7.30) 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 better Debt to FCF ratio (4.75) than 89.66% 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 51.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.8
Debt/FCF 4.75
Altman-Z 7.3
ROIC/WACCN/A
WACCN/A
AIdbf.CA Yearly LT Debt VS Equity VS FCFAIdbf.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M

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's Current ratio of 0.01 is on the low side compared to the rest of the industry. AIdbf is outperformed by 82.76% of its industry peers.
A Quick Ratio of 0.01 indicates that AIdbf may have some problems paying its short term obligations.
AIdbf's Quick ratio of 0.01 is on the low side compared to the rest of the industry. AIdbf is outperformed by 82.76% of its industry peers.
Industry RankSector Rank
Current Ratio 0.01
Quick Ratio 0.01
AIdbf.CA Yearly Current Assets VS Current LiabilitesAIdbf.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M 500M

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1

3. Growth

3.1 Past

AIdbf shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.36%.
Measured over the past 5 years, AIdbf shows a small growth in Earnings Per Share. The EPS has been growing by 1.81% on average per year.
EPS 1Y (TTM)-6.36%
EPS 3Y3.76%
EPS 5Y1.81%
EPS Q2Q%-7.41%
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 small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.03% yearly.
AIdbf is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -3.66% yearly.
EPS Next Y0.06%
EPS Next 2Y0.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-7.79%
Revenue Next 2Y-3.66%
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.
AIdbf.CA Yearly Revenue VS EstimatesAIdbf.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
AIdbf.CA Yearly EPS VS EstimatesAIdbf.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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2

4. Valuation

4.1 Price/Earnings Ratio

AIdbf is valuated quite expensively with a Price/Earnings ratio of 96.84.
The rest of the industry has a similar Price/Earnings ratio as AIdbf.
AIdbf is valuated expensively when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 94.95, AIdbf can be considered very expensive at the moment.
AIdbf's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of AIdbf to the average of the S&P500 Index (22.19), we can say AIdbf is valued expensively.
Industry RankSector Rank
PE 96.84
Fwd PE 94.95
AIdbf.CA Price Earnings VS Forward Price EarningsAIdbf.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, AIdbf is valued a bit cheaper than 75.86% of the companies in the same industry.
Industry RankSector Rank
P/FCF 56.53
EV/EBITDA N/A
AIdbf.CA Per share dataAIdbf.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The decent profitability rating of AIdbf may justify a higher PE ratio.
PEG (NY)1694.78
PEG (5Y)53.55
EPS Next 2Y0.03%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 8.17%, AIdbf is a good candidate for dividend investing.
AIdbf's Dividend Yield is comparable with the industry average which is at 7.85.
AIdbf's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 8.17%

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.
The dividend of AIdbf is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP96.53%
EPS Next 2Y0.03%
EPS Next 3YN/A
AIdbf.CA Yearly Income VS Free CF VS DividendAIdbf.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M
AIdbf.CA Dividend Payout.AIdbf.CA Dividend Payout, showing the Payout Ratio.AIdbf.CA Dividend Payout.PayoutRetained Earnings

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TSX:AIdbf (6/18/2025, 7:00:00 PM)

99.75

+0.25 (+0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-13 2025-05-13/amc
Earnings (Next)08-06 2025-08-06
Inst Owners2.14%
Inst Owner ChangeN/A
Ins Owners5.02%
Ins Owner ChangeN/A
Market Cap4.73B
Analysts84
Price Target116.3 (16.59%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 8.17%
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)-0.46%
PT rev (3m)-0.46%
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 RankSector Rank
PE 96.84
Fwd PE 94.95
P/S 47.08
P/FCF 56.53
P/OCF 56.53
P/B 9.59
P/tB 9.59
EV/EBITDA N/A
EPS(TTM)1.03
EY1.03%
EPS(NY)1.05
Fwd EY1.05%
FCF(TTM)1.76
FCFY1.77%
OCF(TTM)1.76
OCFY1.77%
SpS2.12
BVpS10.4
TBVpS10.4
PEG (NY)1694.78
PEG (5Y)53.55
Profitability
Industry RankSector 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 RankSector 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 7.3
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)-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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year-7.79%
Revenue Next 2Y-3.66%
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%