CI Financial Corp (CIX.CA) Stock Fundamental Analysis
Canada - TSX:CIX - CA1254911003 - Common Stock
31.99 CAD
0 (0%)
Overall CIX gets a fundamental rating of 4 out of 10. We evaluated CIX against 78 industry peers in the Capital Markets industry. There are concerns on the financial health of CIX while its profitability can be described as average. CIX is valued quite cheap, while showing a decent growth score. This is a good 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.
CIX had a positive operating cash flow in each of the past 5 years.
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.
The Return On Equity of CIX (-62.17%) is worse than 86.59% of its industry peers.
CIX has a better Return On Invested Capital (9.20%) than 82.93% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CIX is below the industry average of 10.39%.
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
Looking at the Operating Margin, with a value of 20.24%, CIX is in line with its industry, 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 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.
Compared to 5 years ago, CIX has less shares outstanding
CIX has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.17, we must say that CIX is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of CIX (0.17) is worse than 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.
With a decent Debt to FCF ratio value of 9.62, CIX is doing good in 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.
CIX has a Debt to Equity ratio of 7.95. This is amonst the worse of the industry: CIX underperforms 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
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 has a worse Current ratio (0.33) than 84.15% of its industry peers.
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.
The Quick ratio of CIX (0.33) is worse than 84.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.33 | ||
| Quick Ratio | 0.33 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.79% over the past year.
The Earnings Per Share has been growing by 9.48% on average over the past years. This is quite good.
The Revenue has grown by 12.99% in the past year. This is quite good.
CIX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.96% yearly.
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.
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 8.24 indicates a reasonable valuation of CIX.
CIX's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of CIX to the average of the S&P500 Index (25.07), we can say CIX is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.97, the valuation of CIX can be described as very cheap.
CIX's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CIX is cheaper than 69.51% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CIX to the average of the S&P500 Index (34.08), we can say CIX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.24 | ||
| Fwd PE | 6.97 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CIX is valued a bit 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
The 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.
CIX's Dividend Yield is a higher than the industry average which is at 5.09.
CIX's Dividend Yield is comparable with the S&P500 average which is at 2.44.
| 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 been paying a dividend for at least 10 years, so it has 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
Revenue(TTM)3.12B
Net Income(TTM)-299.76M
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
Graham NumberN/A
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%
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 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%
CI Financial Corp / CIX.CA FAQ
What is the fundamental rating for CIX stock?
ChartMill assigns a fundamental rating of 4 / 10 to CIX.CA.
What is the valuation status for CIX stock?
ChartMill assigns a valuation rating of 6 / 10 to CI Financial Corp (CIX.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for CI Financial Corp?
CI Financial Corp (CIX.CA) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for CIX stock?
The Price/Earnings (PE) ratio for CI Financial Corp (CIX.CA) is 8.24 and the Price/Book (PB) ratio is 9.57.
Can you provide the expected EPS growth for CIX stock?
The Earnings per Share (EPS) of CI Financial Corp (CIX.CA) is expected to grow by 11.35% in the next year.