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AMERITRUST FINANCIAL TECHNOL (AMT.CA) Stock Fundamental Analysis

TSX-V:AMT - TSX Venture Exchange - CA0307361026 - Common Stock - Currency: CAD

0.095  0 (0%)

Fundamental Rating

3

Overall AMT gets a fundamental rating of 3 out of 10. We evaluated AMT against 6 industry peers in the Consumer Finance industry. There are concerns on the financial health of AMT while its profitability can be described as average. AMT has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year AMT was profitable.
AMT had a negative operating cash flow in the past year.
AMT had negative earnings in 4 of the past 5 years.
In the past 5 years AMT always reported negative operating cash flow.
AMT.CA Yearly Net Income VS EBIT VS OCF VS FCFAMT.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 2024 0 -10M -20M

1.2 Ratios

The Return On Assets of AMT (64.61%) is better than 100.00% of its industry peers.
AMT's Return On Equity of 119.50% is amongst the best of the industry. AMT outperforms 100.00% of its industry peers.
Industry RankSector Rank
ROA 64.61%
ROE 119.5%
ROIC N/A
ROA(3y)-137.3%
ROA(5y)-111.44%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
AMT.CA Yearly ROA, ROE, ROICAMT.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500 1K

1.3 Margins

AMT has a better Profit Margin (328.04%) than 100.00% of its industry peers.
AMT has a better Gross Margin (45.10%) than 66.67% of its industry peers.
AMT's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM N/A
PM (TTM) 328.04%
GM 45.1%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.77%
GM growth 5Y70.59%
AMT.CA Yearly Profit, Operating, Gross MarginsAMT.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200 -200 -400 -600

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3

2. Health

2.1 Basic Checks

AMT does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for AMT has been increased compared to 1 year ago.
The number of shares outstanding for AMT has been increased compared to 5 years ago.
Compared to 1 year ago, AMT has an improved debt to assets ratio.
AMT.CA Yearly Shares OutstandingAMT.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
AMT.CA Yearly Total Debt VS Total AssetsAMT.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

2.2 Solvency

Based on the Altman-Z score of -4.10, we must say that AMT is in the distress zone and has some risk of bankruptcy.
AMT has a Altman-Z score of -4.10. This is amonst the worse of the industry: AMT underperforms 83.33% of its industry peers.
AMT has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of AMT (0.06) is better than 100.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF N/A
Altman-Z -4.1
ROIC/WACCN/A
WACC7.7%
AMT.CA Yearly LT Debt VS Equity VS FCFAMT.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M -10M -15M

2.3 Liquidity

A Current Ratio of 1.91 indicates that AMT should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.91, AMT is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
A Quick Ratio of 1.91 indicates that AMT should not have too much problems paying its short term obligations.
AMT has a Quick ratio of 1.91. This is in the better half of the industry: AMT outperforms 66.67% of its industry peers.
Industry RankSector Rank
Current Ratio 1.91
Quick Ratio 1.91
AMT.CA Yearly Current Assets VS Current LiabilitesAMT.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 116.74% over the past year.
The Revenue for AMT has decreased by -25.74% in the past year. This is quite bad
Measured over the past years, AMT shows a small growth in Revenue. The Revenue has been growing by 1.57% on average per year.
EPS 1Y (TTM)116.74%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%65.31%
Revenue 1Y (TTM)-25.74%
Revenue growth 3Y-55.14%
Revenue growth 5Y1.57%
Sales Q2Q%-30.05%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
AMT.CA Yearly Revenue VS EstimatesAMT.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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2

4. Valuation

4.1 Price/Earnings Ratio

AMT is valuated reasonably with a Price/Earnings ratio of 9.50.
Based on the Price/Earnings ratio, AMT is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.82. AMT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.5
Fwd PE N/A
AMT.CA Price Earnings VS Forward Price EarningsAMT.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
AMT.CA Per share dataAMT.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.01 -0

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

AMT does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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AMERITRUST FINANCIAL TECHNOL

TSX-V:AMT (8/1/2025, 7:00:00 PM)

0.095

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)06-03 2025-06-03
Earnings (Next)08-18 2025-08-18
Inst Owners0.06%
Inst Owner ChangeN/A
Ins Owners12.98%
Ins Owner ChangeN/A
Market Cap63.78M
Analysts40
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 9.5
Fwd PE N/A
P/S 32.34
P/FCF N/A
P/OCF N/A
P/B 11.78
P/tB 11.78
EV/EBITDA N/A
EPS(TTM)0.01
EY10.53%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.01
FCFYN/A
OCF(TTM)-0.01
OCFYN/A
SpS0
BVpS0.01
TBVpS0.01
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 64.61%
ROE 119.5%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 328.04%
GM 45.1%
FCFM N/A
ROA(3y)-137.3%
ROA(5y)-111.44%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.77%
GM growth 5Y70.59%
F-Score4
Asset Turnover0.2
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.91
Quick Ratio 1.91
Altman-Z -4.1
F-Score4
WACC7.7%
ROIC/WACCN/A
Cap/Depr(3y)244.85%
Cap/Depr(5y)187.09%
Cap/Sales(3y)27.52%
Cap/Sales(5y)21.74%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)116.74%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%65.31%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-25.74%
Revenue growth 3Y-55.14%
Revenue growth 5Y1.57%
Sales Q2Q%-30.05%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y0.16%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y52.93%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-5.83%
OCF growth 3YN/A
OCF growth 5YN/A