(AIdbf.CA) Stock Fundamental Analysis
TSX:AIdbf - Toronto Stock Exchange -
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.
1. Profitability
1.1 Basic Checks
In the past year AIdbf was profitable.
In the past year AIdbf had a positive cash flow from operations.
AIdbf had positive earnings in 4 of the past 5 years.
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 better Return On Equity (9.53%) than 79.31% of its industry peers.
The Return On Invested Capital of AIdbf (6.01%) is better than 68.97% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital 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 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
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.
The Operating Margin of AIdbf (73.96%) is better than 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
AIdbf has an Altman-Z score of 7.24. This indicates that AIdbf is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of AIdbf (7.24) is better than 62.07% of its industry peers.
The Debt to FCF ratio of AIdbf is 4.75, which is a neutral value as it means it would take AIdbf, 4.75 years of fcf income to pay off all of its debts.
AIdbf has a better Debt to FCF ratio (4.75) than 93.10% 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 51.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.8 | ||
| Debt/FCF | 4.75 | ||
| Altman-Z | 7.24 |
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.
Looking at the Quick ratio, with a value of 0.01, AIdbf is doing worse than 82.76% of the companies in the same industry.
| 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 -6.36% in the last year.
The Earnings Per Share has been growing slightly by 1.81% on average over the past years.
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
Based on estimates for the next years, AIdbf will show a small growth in Earnings Per Share. The EPS will grow by 0.03% on average per year.
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
When comparing the EPS 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
A Price/Earnings ratio of 96.12 indicates a quite expensive valuation of AIdbf.
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 26.55.
The Price/Forward Earnings ratio is 94.23, which means the current valuation is very expensive for AIdbf.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AIdbf is on the same level as its industry peers.
AIdbf is valuated expensively when we compare the Price/Forward Earnings ratio to 22.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 96.12 | ||
| Fwd PE | 94.23 |
4.2 Price Multiples
AIdbf's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. AIdbf is cheaper than 79.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 56.11 | ||
| EV/EBITDA | N/A |
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)1682.04
PEG (5Y)53.15
EPS Next 2Y0.03%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.32%, AIdbf is a good candidate for dividend investing.
AIdbf's Dividend Yield is a higher than the industry average which is at 6.44.
AIdbf's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.32% |
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
96.53% of the earnings are spent on dividend by AIdbf. 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
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners5.14%
Inst Owner ChangeN/A
Ins Owners4.24%
Ins Owner ChangeN/A
Market Cap4.70B
Analysts84
Price Target116.3 (17.47%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.32% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 96.12 | ||
| Fwd PE | 94.23 | ||
| P/S | 46.72 | ||
| P/FCF | 56.11 | ||
| P/OCF | 56.11 | ||
| P/B | 9.52 | ||
| P/tB | 9.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.03
EY1.04%
EPS(NY)1.05
Fwd EY1.06%
FCF(TTM)1.76
FCFY1.78%
OCF(TTM)1.76
OCFY1.78%
SpS2.12
BVpS10.4
TBVpS10.4
PEG (NY)1682.04
PEG (5Y)53.15
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 | 7.24 |
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%