CI Financial Corp (CIX.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:CIX - CA1254911003 - Common Stock
31.99 CAD
0 (0%)
CIX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 79 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 may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year CIX was profitable.
CIX had a positive operating cash flow in the past year.
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's Return On Assets of -2.72% is on the low side compared to the rest of the industry. CIX is outperformed by 76.83% of its industry peers.
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.
The Average Return On Invested Capital over the past 3 years for CIX is below the industry average of 10.25%.
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
CIX has a Operating Margin (20.24%) which is in line with its industry peers.
CIX's Operating Margin has declined in the last couple of years.
CIX's Gross Margin of 82.50% is amongst the best of the industry. CIX outperforms 82.93% of its industry peers.
In the last couple of years the Gross Margin of CIX has declined.
| 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
The number of shares outstanding for CIX has been reduced compared to 1 year ago.
CIX has less shares outstanding than it did 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.
With a Altman-Z score value of 0.17, CIX is not doing good in the industry: 78.05% of the companies in the same industry are doing better.
The Debt to FCF ratio of CIX is 9.62, which is on the high side as it means it would take CIX, 9.62 years of fcf income to pay off all of its debts.
CIX has a Debt to FCF ratio of 9.62. This is in the better half of the industry: CIX outperforms 63.41% of its industry peers.
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 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.
A Quick Ratio of 0.33 indicates that CIX may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.33, CIX is doing worse than 84.15% of the companies in the same industry.
| 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.
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.
Looking at the last year, CIX shows a quite strong growth in Revenue. The Revenue has grown by 12.99% in the last year.
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.
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.
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
The Price/Earnings ratio is 8.24, which indicates a very decent valuation of CIX.
CIX's Price/Earnings is on the same level as the industry average.
CIX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
Based on the Price/Forward Earnings ratio of 6.97, the valuation of CIX can be described as very cheap.
Based on the Price/Forward Earnings ratio, CIX is valued a bit cheaper than 69.51% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.12. CIX is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.24 | ||
| Fwd PE | 6.97 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CIX indicates a somewhat cheap valuation: CIX is cheaper than 62.20% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CIX indicates a rather cheap valuation: CIX is cheaper than 81.71% of the companies listed 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
With a Yearly Dividend Yield of 2.50%, CIX has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.00, CIX pays a bit more dividend than its industry peers.
CIX's Dividend Yield is comparable with the S&P500 average which is at 2.41.
| 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
The earnings of CIX are negative and hence is the payout ratio. CIX will probably not be able to sustain this dividend level.
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.