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Atrium Mortgage Investment Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary13 Nov, 2025
Executive summary
Net income for Q3 2025 was CAD 11.9 million, up 2.5% year-over-year, with EPS of CAD 0.25, exceeding the fixed dividend of CAD 0.2325 per share.
Year-to-date EPS reached CAD 0.78, slightly down from CAD 0.79 last year, while nine-month net income was CAD 36.9 million, a 4.9% increase.
Mortgage portfolio grew to CAD 917.3 million, with 96% in first mortgages and an average loan-to-value of 60.8%.
Loan originations for the first nine months increased compared to the same period last year, with loan advances of CAD 287 million, 23% higher year-over-year.
Portfolio remains concentrated in major urban centers, with 87.1% in the Greater Toronto Area and 7.3% in Greater Vancouver.
Financial highlights
Q3 2025 total revenues were CAD 21.0 million, down from CAD 24.5 million in Q3 2024.
Allowance for mortgage losses at September 30, 2025, was CAD 29.5 million (3.2% of the portfolio); stage two loans rose to CAD 96.8 million, and stage three loans to CAD 56.3 million.
Weighted average interest rate on the mortgage portfolio was 9.20% at September 30, 2025, down from 9.98% at year-end 2024.
Weighted average cost of borrowing on the credit facility dropped to 5.14% in Q3 from 6.96% last year.
Shareholders' equity increased to CAD 526.9 million as of September 30, 2025, from CAD 517.0 million at December 31, 2024.
Outlook and guidance
Expectation for both new loan advances and repayments to be higher in Q4, with portfolio size anticipated to increase slightly.
Focus remains on capital preservation, high-quality underwriting, and delivering steady, safe returns to shareholders.
Board-approved monthly dividend for 2025 supports continued income stability.
Average mortgage rate expected to remain steady, with new originations priced at prime plus a spread and rate floors where possible.
Impact of Stage 3 loan repayments on provisions?
Timeline for convertible market re-entry consideration
How will new construction loans impact portfolio?
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Next Atrium Mortgage Investment earnings date
Q4 202513 Feb, 2026
Next Atrium Mortgage Investment earnings date
Q4 202513 Feb, 2026
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Frequently asked questions
Atrium Mortgage Investment Corporation provides financing solutions for residential and commercial real estate developments. The company offers mortgage loans secured by real estate, targeting borrowers in major urban centers. Atrium Mortgage operates within the financial services and real estate sectors. The company is headquartered in Toronto, Canada, and its shares are listed on the TSX.
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