The earnings call presented a mixed outlook with strong financial performance and loan growth on one hand, but challenges such as declining mortgage rates, increased loan defaults, and a weak real estate market on the other. While the company shows resilience and cautious optimism, external economic factors and specific market weaknesses pose significant challenges.

Company Guidance

During Atrium Mortgage Investment Corporation's second-quarter conference call for fiscal year 2025, several key financial metrics were highlighted. The company reported earnings per share of $0.28 for the second quarter, an increase from $0.26 in the same quarter last year and $0.25 in the first quarter of this year. The mortgage balance rose to $921 million, up from $887 million at the start of the year, with a decrease in the average mortgage rate to 9.3% from 9.98% at the beginning of 2025. Atrium's balance sheet remained strong, with debt at 41.6% of total assets and $265 million drawn on a $340 million credit facility. The company noted a shift in policy for classifying loans into Stage 2 and Stage 3, with total loans in these categories increasing to 14.8% of the portfolio. Atrium's focus on commercial and single-family loans led to these sectors comprising over 45% of their portfolio. Additionally, the company secured a two-year extension on its credit facility and arranged a $30 million convertible debenture. Despite a challenging real estate market, Atrium's results for the first half of 2025 were strong, with loan originations nearly 25% higher than the first half of 2024.

Increased Earnings Per Share

Atrium's earnings per share were $0.28 for Q2, up from $0.26 in the same quarter last year and $0.25 in Q1 of this year.

Strong Loan Portfolio Growth

The mortgage balance increased to $921 million, up from $887 million at the beginning of the year and $908 million in the same quarter last year.

Robust New Loan Advances

Loan advances reached $105 million in Q2, with a total of $224 million for the first six months of 2025, almost $50 million higher than the first half of the previous year.

Stable Balance Sheet

Balance sheet debt remained low at 41.6% of total assets, with a substantial amount of additional capacity available in the credit facility.

Extension and Expansion of Credit Facility

Secured a two-year extension on the credit facility and expanded the syndicate group by two new lenders.

Atrium Mortgage Invest (TSE:AI) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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TSE:AI Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 12, 2025	2025 (Q3)	0.26 / -	0.26	―	―	―
Aug 07, 2025	2025 (Q2)	0.24 / 0.27	0.26	3.85% (+0.01)	―	―
May 13, 2025	2025 (Q1)	0.25 / 0.25	0.27	-7.41% (-0.02)	―	―
Mar 06, 2025	2024 (Q4)	0.23 / 0.26	0.26	0.00% (0.00)	―	―
Nov 13, 2024	2024 (Q3)	0.25 / 0.26	0.25	4.00% (+0.01)	―	―
Aug 08, 2024	2024 (Q2)	0.27 / 0.26	0.32	-18.75% (-0.06)	―	―
May 14, 2024	2024 (Q1)	0.24 / 0.27	0.31	-12.90% (-0.04)	―	―
Feb 15, 2024	2023 (Q4)	0.26 / 0.26	0.3	-13.33% (-0.04)	―	―
Nov 14, 2023	2023 (Q3)	0.30 / 0.25	0.27	-7.41% (-0.02)	―	―
Aug 03, 2023	2023 (Q2)	0.30 / 0.32	0.25	28.00% (+0.07)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

TSE:AI Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 07, 2025	C$11.65	C$11.67	+0.17%
May 13, 2025	C$10.72	C$10.71	-0.09%
Mar 06, 2025	C$10.14	C$10.41	+2.66%
Nov 13, 2024	C$10.36	C$10.52	+1.54%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Atrium Mortgage Invest (TSE:AI) report earnings?

Atrium Mortgage Invest (TSE:AI) is schdueled to report earning on Nov 12, 2025, After Close (Confirmed).

What is Atrium Mortgage Invest (TSE:AI) earnings time?

Atrium Mortgage Invest (TSE:AI) earnings time is at Nov 12, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is TSE:AI EPS forecast?

TSE:AI EPS forecast for the fiscal quarter 2025 (Q3) is 0.26.

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