CI Financial Corp (CIX.CA) Stock Fundamental Analysis
Canada - TSX:CIX - CA1254911003 - Common Stock
31.99 CAD
0 (0%)
We assign a fundamental rating of 4 out of 10 to CIX. CIX was compared to 80 industry peers in the Capital Markets industry. CIX has a medium profitability rating, but doesn't score so well on its financial health evaluation. CIX scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
CIX had positive earnings in the past year.
In the past year CIX had a positive cash flow from operations.
Of the past 5 years CIX 4 years were profitable.
Each year in the past 5 years CIX had a positive operating cash flow.
1.2 Ratios
CIX has a Return On Assets of -2.72%. This is in the lower half of the industry: CIX underperforms 76.83% of its industry peers.
Looking at the Return On Equity, with a value of -62.17%, CIX is doing worse than 86.59% of the companies in the same industry.
The Return On Invested Capital of CIX (9.20%) is better than 82.93% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CIX is in line with the industry average of 8.46%.
The 3 year average ROIC (7.66%) for CIX is below the current ROIC(9.20%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.72% | ||
| ROE | -62.17% | ||
| ROIC | 9.2% |
ROA(3y)-0.23%
ROA(5y)2.31%
ROE(3y)-27.12%
ROE(5y)-5.1%
ROIC(3y)7.66%
ROIC(5y)8.88%
1.3 Margins
The Operating Margin of CIX (20.24%) is comparable to the rest of the industry.
CIX's Operating Margin has declined in the last couple of years.
CIX has a better Gross Margin (82.50%) than 82.93% of its industry peers.
CIX's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.24% | ||
| PM (TTM) | N/A | ||
| GM | 82.5% |
OM growth 3Y-26.25%
OM growth 5Y-17.67%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.37%
GM growth 5Y-1.76%
2. Health
2.1 Basic Checks
CIX has less shares outstanding than it did 1 year ago.
The number of shares outstanding for CIX has been reduced compared to 5 years ago.
The debt/assets ratio for CIX is higher compared to a year ago.
2.2 Solvency
CIX has an Altman-Z score of 0.17. This is a bad value and indicates that CIX is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.17, CIX is doing worse than 78.05% of the companies in the same industry.
CIX has a debt to FCF ratio of 9.62. This is a negative value and a sign of low solvency as CIX would need 9.62 years to pay back of all of its debts.
The Debt to FCF ratio of CIX (9.62) is better than 63.41% of its industry peers.
A Debt/Equity ratio of 7.95 is on the high side and indicates that CIX has dependencies on debt financing.
CIX's Debt to Equity ratio of 7.95 is on the low side compared to the rest of the industry. CIX is outperformed by 87.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.95 | ||
| Debt/FCF | 9.62 | ||
| Altman-Z | 0.17 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.33 indicates that CIX may have some problems paying its short term obligations.
With a Current ratio value of 0.33, CIX is not doing good in the industry: 84.15% of the companies in the same industry are doing better.
CIX has a Quick Ratio of 0.33. This is a bad value and indicates that CIX is not financially healthy enough and could expect problems in meeting its short term obligations.
CIX has a Quick ratio of 0.33. This is amonst the worse of the industry: CIX underperforms 84.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.33 | ||
| Quick Ratio | 0.33 |
3. Growth
3.1 Past
CIX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.79%, which is quite good.
The Earnings Per Share has been growing by 9.48% on average over the past years. This is quite good.
CIX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.99%.
Measured over the past years, CIX shows a small growth in Revenue. The Revenue has been growing by 6.96% on average per year.
EPS 1Y (TTM)14.79%
EPS 3Y6.7%
EPS 5Y9.48%
EPS Q2Q%-1.11%
Revenue 1Y (TTM)12.99%
Revenue growth 3Y11.06%
Revenue growth 5Y6.96%
Sales Q2Q%-8.84%
3.2 Future
CIX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.59% yearly.
Based on estimates for the next years, CIX will show a small growth in Revenue. The Revenue will grow by 3.39% on average per year.
EPS Next Y11.35%
EPS Next 2Y10.02%
EPS Next 3Y4.73%
EPS Next 5Y5.59%
Revenue Next Year2.26%
Revenue Next 2Y2.39%
Revenue Next 3Y-3.24%
Revenue Next 5Y3.39%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue 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
With a Price/Earnings ratio of 8.24, the valuation of CIX can be described as very reasonable.
CIX's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 27.38. CIX is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 6.97, which indicates a rather cheap valuation of CIX.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CIX indicates a somewhat cheap valuation: CIX is cheaper than 69.51% of the companies listed in the same industry.
CIX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.24 | ||
| Fwd PE | 6.97 |
4.2 Price Multiples
CIX's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CIX is cheaper than 62.20% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, CIX is valued cheaper than 81.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.97 | ||
| EV/EBITDA | 9.92 |
4.3 Compensation for Growth
CIX's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.73
PEG (5Y)0.87
EPS Next 2Y10.02%
EPS Next 3Y4.73%
5. Dividend
5.1 Amount
CIX has a Yearly Dividend Yield of 2.50%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.91, CIX pays a bit more dividend than its industry peers.
CIX's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.5% |
5.2 History
The dividend of CIX has a limited annual growth rate of 1.95%.
CIX has paid a dividend for at least 10 years, which is a reliable track record.
CIX has decreased its dividend recently.
Dividend Growth(5Y)1.95%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
CIX has negative earnings and hence a negative payout ratio. The dividend may be in danger.
CIX's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-38.71%
EPS Next 2Y10.02%
EPS Next 3Y4.73%
TSX:CIX (8/14/2025, 7:00:00 PM)
31.99
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners14.23%
Inst Owner ChangeN/A
Ins Owners16.8%
Ins Owner ChangeN/A
Market Cap4.61B
Analysts46
Price Target32.13 (0.44%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.5% |
Yearly Dividend0.81
Dividend Growth(5Y)1.95%
DP-38.71%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.94%
Min EPS beat(2)-2.01%
Max EPS beat(2)0.14%
EPS beat(4)3
Avg EPS beat(4)3.9%
Min EPS beat(4)-2.01%
Max EPS beat(4)9.32%
EPS beat(8)6
Avg EPS beat(8)2.42%
EPS beat(12)7
Avg EPS beat(12)2.11%
EPS beat(16)9
Avg EPS beat(16)1.37%
Revenue beat(2)2
Avg Revenue beat(2)6.29%
Min Revenue beat(2)0.53%
Max Revenue beat(2)12.04%
Revenue beat(4)3
Avg Revenue beat(4)0.65%
Min Revenue beat(4)-14.02%
Max Revenue beat(4)12.04%
Revenue beat(8)5
Avg Revenue beat(8)2.65%
Revenue beat(12)9
Avg Revenue beat(12)3.61%
Revenue beat(16)9
Avg Revenue beat(16)-1.43%
PT rev (1m)3.28%
PT rev (3m)2.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-11.98%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.73%
Revenue NY rev (3m)1.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.24 | ||
| Fwd PE | 6.97 | ||
| P/S | 1.48 | ||
| P/FCF | 9.97 | ||
| P/OCF | 9.02 | ||
| P/B | 9.57 | ||
| P/tB | N/A | ||
| EV/EBITDA | 9.92 |
EPS(TTM)3.88
EY12.13%
EPS(NY)4.59
Fwd EY14.34%
FCF(TTM)3.21
FCFY10.03%
OCF(TTM)3.55
OCFY11.08%
SpS21.61
BVpS3.34
TBVpS-52.88
PEG (NY)0.73
PEG (5Y)0.87
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.72% | ||
| ROE | -62.17% | ||
| ROCE | 12.77% | ||
| ROIC | 9.2% | ||
| ROICexc | 9.58% | ||
| ROICexgc | N/A | ||
| OM | 20.24% | ||
| PM (TTM) | N/A | ||
| GM | 82.5% | ||
| FCFM | 14.85% |
ROA(3y)-0.23%
ROA(5y)2.31%
ROE(3y)-27.12%
ROE(5y)-5.1%
ROIC(3y)7.66%
ROIC(5y)8.88%
ROICexc(3y)7.95%
ROICexc(5y)9.56%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)10.64%
ROCE(5y)12.33%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3Y-10.17%
ROICexc growth 5Y-18.16%
OM growth 3Y-26.25%
OM growth 5Y-17.67%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.37%
GM growth 5Y-1.76%
F-Score4
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.95 | ||
| Debt/FCF | 9.62 | ||
| Debt/EBITDA | 4.31 | ||
| Cap/Depr | 18.94% | ||
| Cap/Sales | 1.57% | ||
| Interest Coverage | 2.72 | ||
| Cash Conversion | 57.58% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.33 | ||
| Quick Ratio | 0.33 | ||
| Altman-Z | 0.17 |
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)29.4%
Cap/Depr(5y)35.19%
Cap/Sales(3y)2.17%
Cap/Sales(5y)1.77%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)14.79%
EPS 3Y6.7%
EPS 5Y9.48%
EPS Q2Q%-1.11%
EPS Next Y11.35%
EPS Next 2Y10.02%
EPS Next 3Y4.73%
EPS Next 5Y5.59%
Revenue 1Y (TTM)12.99%
Revenue growth 3Y11.06%
Revenue growth 5Y6.96%
Sales Q2Q%-8.84%
Revenue Next Year2.26%
Revenue Next 2Y2.39%
Revenue Next 3Y-3.24%
Revenue Next 5Y3.39%
EBIT growth 1Y49.74%
EBIT growth 3Y-18.1%
EBIT growth 5Y-11.94%
EBIT Next Year64.14%
EBIT Next 3Y7.37%
EBIT Next 5Y18.31%
FCF growth 1Y13.97%
FCF growth 3Y-10.64%
FCF growth 5Y-3.17%
OCF growth 1Y14.85%
OCF growth 3Y-5.55%
OCF growth 5Y0.11%