CI Financial Corp (CIX.CA) Fundamental Analysis & Valuation

TSX:CIX • CA1254911003

Current stock price

31.99 CAD
0 (0%)
Last:

This CIX.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. CIX.CA Profitability Analysis

1.1 Basic Checks

  • In the past year CIX was profitable.
  • CIX had a positive operating cash flow in the past year.
  • CIX had positive earnings in 4 of the past 5 years.
  • CIX had a positive operating cash flow in each of the past 5 years.
CIX.CA Yearly Net Income VS EBIT VS OCF VS FCFCIX.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M 800M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -2.72%, CIX is doing worse than 76.83% of the companies in the same industry.
  • With a Return On Equity value of -62.17%, CIX is not doing good in the industry: 86.59% of the companies in the same industry are doing better.
  • CIX's Return On Invested Capital of 9.20% is amongst the best of the industry. CIX outperforms 82.93% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for CIX is in line with the industry average of 8.84%.
  • The last Return On Invested Capital (9.20%) for CIX is above the 3 year average (7.66%), which is a sign of increasing profitability.
Industry RankSector 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%
CIX.CA Yearly ROA, ROE, ROICCIX.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100

1.3 Margins

  • With a Operating Margin value of 20.24%, CIX perfoms like the industry average, outperforming 42.68% of the companies in the same industry.
  • In the last couple of years the Operating Margin of CIX has declined.
  • Looking at the Gross Margin, with a value of 82.50%, CIX belongs to the top of the industry, outperforming 82.93% of the companies in the same industry.
  • CIX's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
CIX.CA Yearly Profit, Operating, Gross MarginsCIX.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

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2

2. CIX.CA Health Analysis

2.1 Basic Checks

  • CIX has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, CIX has less shares outstanding
  • CIX has a worse debt/assets ratio than last year.
CIX.CA Yearly Shares OutstandingCIX.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
CIX.CA Yearly Total Debt VS Total AssetsCIX.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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.
  • CIX has a Altman-Z score of 0.17. This is in the lower half of the industry: CIX underperforms 78.05% of its industry peers.
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 9.62, CIX is in the better half of the industry, outperforming 63.41% of the companies in the same industry.
  • CIX has a Debt/Equity ratio of 7.95. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 7.95, CIX is doing worse than 87.80% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 7.95
Debt/FCF 9.62
Altman-Z 0.17
ROIC/WACCN/A
WACCN/A
CIX.CA Yearly LT Debt VS Equity VS FCFCIX.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.3 Liquidity

  • CIX has a Current 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's Current ratio of 0.33 is on the low side compared to the rest of the industry. CIX is outperformed by 84.15% of its industry peers.
  • A Quick Ratio of 0.33 indicates that CIX may have some problems paying its short term obligations.
  • CIX has a worse Quick ratio (0.33) than 84.15% of its industry peers.
Industry RankSector Rank
Current Ratio 0.33
Quick Ratio 0.33
CIX.CA Yearly Current Assets VS Current LiabilitesCIX.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CIX.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 14.79% over the past year.
  • Measured over the past years, CIX shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.48% on average per year.
  • The Revenue has grown by 12.99% in the past year. This is quite good.
  • The Revenue has been growing slightly by 6.96% on average over the past years.
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

  • The Earnings Per Share is expected to grow by 5.59% on average over the next years.
  • CIX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.39% yearly.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CIX.CA Yearly Revenue VS EstimatesCIX.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 1B 2B 3B 4B
CIX.CA Yearly EPS VS EstimatesCIX.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2 4 6

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Find the best growth stocksShow best growing peers

7

4. CIX.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • CIX is valuated reasonably with a Price/Earnings ratio of 8.24.
  • The rest of the industry has a similar Price/Earnings ratio as CIX.
  • Compared to an average S&P500 Price/Earnings ratio of 27.95, CIX is valued rather cheaply.
  • CIX is valuated cheaply with a Price/Forward Earnings ratio of 6.97.
  • Based on the Price/Forward Earnings ratio, CIX is valued a bit cheaper than 69.51% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.68, CIX is valued rather cheaply.
Industry RankSector Rank
PE 8.24
Fwd PE 6.97
CIX.CA Price Earnings VS Forward Price EarningsCIX.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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.
  • CIX's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CIX is cheaper than 81.71% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.97
EV/EBITDA 9.92
CIX.CA Per share dataCIX.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 -40

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%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. CIX.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.50%, CIX has a reasonable but not impressive dividend return.
  • CIX's Dividend Yield is a higher than the industry average which is at 1.78.
  • CIX's Dividend Yield is a higher than the S&P500 average which is at 1.81.
Industry RankSector 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
CIX.CA Yearly Dividends per shareCIX.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

  • The earnings of CIX are negative and hence is the payout ratio. CIX will probably not be able to sustain this dividend level.
  • The dividend of CIX is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-38.71%
EPS Next 2Y10.02%
EPS Next 3Y4.73%
CIX.CA Yearly Income VS Free CF VS DividendCIX.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M

More info and screens

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CIX.CA Fundamentals: All Metrics, Ratios and Statistics

CI Financial Corp

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)08-05
Earnings (Next)11-12
Inst Owners14.23%
Inst Owner ChangeN/A
Ins Owners16.8%
Ins Owner ChangeN/A
Market Cap4.61B
Revenue(TTM)3.12B
Net Income(TTM)-299.76M
Analysts46
Price Target32.13 (0.44%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.5%
Yearly Dividend0.81
Dividend Growth(5Y)1.95%
DP-38.71%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
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 RankSector 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
Graham Number0 (-100%)
Profitability
Industry RankSector 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%
ROICexgc growth 3YN/A
ROICexgc 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 RankSector 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%

CI Financial Corp / CIX.CA Fundamental Analysis FAQ

What is the fundamental rating for CIX stock?

ChartMill assigns a fundamental rating of 4 / 10 to CIX.CA.


Can you provide the valuation status for CI Financial Corp?

ChartMill assigns a valuation rating of 6 / 10 to CI Financial Corp (CIX.CA). This can be considered as Fairly Valued.


What is the profitability of CIX stock?

CI Financial Corp (CIX.CA) has a profitability rating of 4 / 10.


What is the financial health of CI Financial Corp (CIX.CA) stock?

The financial health rating of CI Financial Corp (CIX.CA) is 2 / 10.


What is the expected EPS growth for CI Financial Corp (CIX.CA) stock?

The Earnings per Share (EPS) of CI Financial Corp (CIX.CA) is expected to grow by 11.35% in the next year.