CI Financial Corp (CIX.CA) Stock Fundamental Analysis
TSX:CIX • CA1254911003
31.99 CAD
0 (0%)
Last: Aug 14, 2025, 07:00 PM
Taking everything into account, CIX scores 4 out of 10 in our fundamental rating. CIX was compared to 80 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
- In the past year CIX was profitable.
- In the past year CIX had a positive cash flow from operations.
- CIX had positive earnings in 4 of the past 5 years.
- Each year in the past 5 years CIX had a positive operating cash flow.
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.
- CIX has a worse Return On Equity (-62.17%) than 86.59% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 9.20%, CIX belongs to the top of the industry, outperforming 82.93% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for CIX is below the industry average of 10.29%.
- 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 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.
- CIX's Operating Margin has declined in the last couple of years.
- With an excellent Gross Margin value of 82.50%, CIX belongs to the best 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
- The debt/assets ratio for CIX is higher compared to a year ago.
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.
- 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.
- A Debt/Equity ratio of 7.95 is on the high side and indicates that CIX has dependencies on debt financing.
- The Debt to Equity ratio of CIX (7.95) is worse than 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.
- The Current ratio of CIX (0.33) is worse 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.
- CIX's Quick 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.
| 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.
- CIX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.99%.
- 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
- CIX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.59% yearly.
- The Revenue is expected to grow by 3.39% on average over the next years.
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- 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
- With a Price/Earnings ratio of 8.24, the valuation of CIX can be described as very reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of CIX is on the same level as its industry peers.
- CIX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.19.
- Based on the Price/Forward Earnings ratio of 6.97, the valuation of CIX can be described as very cheap.
- 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.
- The average S&P500 Price/Forward Earnings ratio is at 28.06. CIX is valued rather cheaply when compared to this.
| 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 cheaply inside the industry as 81.71% of the companies are valued more expensively.
| 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 3.15, CIX pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, CIX pays a bit more dividend than the S&P500 average.
| 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.
- The dividend of CIX decreased 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.
- 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%
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 2025-08-05/bmo
Earnings (Next)11-12 2025-11-12/bmo
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-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 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.
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.
Can you provide the profitability details for CI Financial Corp?
CI Financial Corp (CIX.CA) has a profitability rating of 4 / 10.
How financially healthy is CI Financial Corp?
The financial health rating of CI Financial Corp (CIX.CA) is 2 / 10.
How sustainable is the dividend of CI Financial Corp (CIX.CA) stock?
The dividend rating of CI Financial Corp (CIX.CA) is 4 / 10 and the dividend payout ratio is -38.71%.