CI FINANCIAL CORP (CIXX) Fundamental Analysis & Valuation

NYSE:CIXX • CA1254911003

11.42 USD
-0.08 (-0.7%)
At close: Jan 19, 2023
11.35 USD
-0.07 (-0.61%)
After Hours: 1/19/2023, 8:14:15 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

CIXX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 242 industry peers in the Capital Markets industry. There are concerns on the financial health of CIXX while its profitability can be described as average. CIXX is valued quite cheap, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

1. CIXX Profitability Analysis

1.1 Basic Checks

  • In the past year CIXX was profitable.
  • In the past year CIXX had a positive cash flow from operations.
CIXX Yearly Net Income VS EBIT VS OCF VS FCFCIXX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M

1.2 Ratios

  • CIXX has a Return On Assets of 4.66%. This is in the better half of the industry: CIXX outperforms 70.19% of its industry peers.
  • With an excellent Return On Equity value of 26.09%, CIXX belongs to the best of the industry, outperforming 87.98% of the companies in the same industry.
  • CIXX's Return On Invested Capital of 10.69% is amongst the best of the industry. CIXX outperforms 82.69% of its industry peers.
Industry RankSector Rank
ROA 4.66%
ROE 26.09%
ROIC 10.69%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
CIXX Yearly ROA, ROE, ROICCIXX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 10 20 30 40

1.3 Margins

  • Looking at the Profit Margin, with a value of 16.80%, CIXX is in line with its industry, outperforming 59.62% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CIXX has declined.
  • CIXX has a Operating Margin of 34.82%. This is comparable to the rest of the industry: CIXX outperforms 55.29% of its industry peers.
  • In the last couple of years the Operating Margin of CIXX has declined.
  • CIXX has a Gross Margin of 83.80%. This is amongst the best in the industry. CIXX outperforms 82.21% of its industry peers.
  • CIXX's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 34.82%
PM (TTM) 16.8%
GM 83.8%
OM growth 3Y-11.59%
OM growth 5Y-5.44%
PM growth 3Y-18.39%
PM growth 5Y-10.28%
GM growth 3Y-3.18%
GM growth 5Y-2%
CIXX Yearly Profit, Operating, Gross MarginsCIXX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 20 40 60 80

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2

2. CIXX Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, CIXX has less shares outstanding
  • Compared to 1 year ago, CIXX has a worse debt to assets ratio.
CIXX Yearly Shares OutstandingCIXX Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 50M 100M 150M 200M 250M
CIXX Yearly Total Debt VS Total AssetsCIXX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2B 4B 6B 8B

2.2 Solvency

  • CIXX has an Altman-Z score of 0.63. This is a bad value and indicates that CIXX is not financially healthy and even has some risk of bankruptcy.
  • CIXX has a Altman-Z score (0.63) which is comparable to the rest of the industry.
  • CIXX has a debt to FCF ratio of 7.37. This is a slightly negative value and a sign of low solvency as CIXX would need 7.37 years to pay back of all of its debts.
  • The Debt to FCF ratio of CIXX (7.37) is better than 68.75% of its industry peers.
  • CIXX has a Debt/Equity ratio of 2.23. This is a high value indicating a heavy dependency on external financing.
  • CIXX's Debt to Equity ratio of 2.23 is on the low side compared to the rest of the industry. CIXX is outperformed by 82.21% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.23
Debt/FCF 7.37
Altman-Z 0.63
ROIC/WACCN/A
WACCN/A
CIXX Yearly LT Debt VS Equity VS FCFCIXX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 1B 2B 3B

2.3 Liquidity

  • CIXX has a Current Ratio of 0.60. This is a bad value and indicates that CIXX is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.60, CIXX is doing worse than 70.19% of the companies in the same industry.
  • A Quick Ratio of 0.60 indicates that CIXX may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.60, CIXX is doing worse than 70.19% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.6
Quick Ratio 0.6
CIXX Yearly Current Assets VS Current LiabilitesCIXX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 500M 1B 1.5B 2B 2.5B

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

3

3. CIXX Growth Analysis

3.1 Past

  • CIXX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.12%, which is quite good.
  • Measured over the past years, CIXX shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.63% on average per year.
  • The Revenue has been growing slightly by 5.79% in the past year.
  • The Revenue has been growing slightly by 6.96% on average over the past years.
EPS 1Y (TTM)9.12%
EPS 3Y9.29%
EPS 5Y9.63%
EPS Q2Q%-7.59%
Revenue 1Y (TTM)5.79%
Revenue growth 3Y6.83%
Revenue growth 5Y6.96%
Sales Q2Q%3.19%

3.2 Future

  • CIXX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.42% yearly.
  • Based on estimates for the next years, CIXX will show a decrease in Revenue. The Revenue will decrease by -2.04% on average per year.
EPS Next Y0.39%
EPS Next 2Y3.16%
EPS Next 3Y4.47%
EPS Next 5Y2.42%
Revenue Next Year-16.51%
Revenue Next 2Y-6.07%
Revenue Next 3Y-1.83%
Revenue Next 5Y-2.04%

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.
CIXX Yearly Revenue VS EstimatesCIXX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 500M 1B 1.5B 2B 2.5B
CIXX Yearly EPS VS EstimatesCIXX Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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7

4. CIXX Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 4.72, which indicates a rather cheap valuation of CIXX.
  • CIXX's Price/Earnings ratio is rather cheap when compared to the industry. CIXX is cheaper than 95.19% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.71, CIXX is valued rather cheaply.
  • A Price/Forward Earnings ratio of 4.58 indicates a rather cheap valuation of CIXX.
  • Based on the Price/Forward Earnings ratio, CIXX is valued cheaper than 96.15% of the companies in the same industry.
  • CIXX is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.82, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 4.72
Fwd PE 4.58
CIXX Price Earnings VS Forward Price EarningsCIXX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CIXX indicates a rather cheap valuation: CIXX is cheaper than 84.62% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CIXX indicates a rather cheap valuation: CIXX is cheaper than 86.54% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.99
EV/EBITDA 6.36
CIXX Per share dataCIXX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 -20

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CIXX does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)12.01
PEG (5Y)0.49
EPS Next 2Y3.16%
EPS Next 3Y4.47%

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

5

5. CIXX Dividend Analysis

5.1 Amount

  • CIXX has a Yearly Dividend Yield of 4.53%, which is a nice return.
  • CIXX's Dividend Yield is comparable with the industry average which is at 6.63.
  • Compared to an average S&P500 Dividend Yield of 1.82, CIXX pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.53%

5.2 History

  • The dividend of CIXX decreases each year by -16.52%.
  • CIXX has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)-16.52%
Div Incr YearsN/A
Div Non Decr YearsN/A
CIXX Yearly Dividends per shareCIXX Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 0.2 0.4 0.6

5.3 Sustainability

  • 32.44% of the earnings are spent on dividend by CIXX. This is a low number and sustainable payout ratio.
DP32.44%
EPS Next 2Y3.16%
EPS Next 3Y4.47%
CIXX Yearly Income VS Free CF VS DividendCIXX Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 200M 400M 600M
CIXX Dividend Payout.CIXX Dividend Payout, showing the Payout Ratio.CIXX Dividend Payout.PayoutRetained Earnings

More info and screens

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CIXX Fundamentals: All Metrics, Ratios and Statistics

CI FINANCIAL CORP

NYSE:CIXX (1/19/2023, 8:14:15 PM)

After market: 11.35 -0.07 (-0.61%)

11.42

-0.08 (-0.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-10
Earnings (Next)02-20
Inst Owners41.25%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap2.10B
Revenue(TTM)2.58B
Net Income(TTM)432.94M
Analysts76.67
Price Target14.24 (24.69%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.53%
Yearly Dividend0.72
Dividend Growth(5Y)-16.52%
DP32.44%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-1.93%
Min EPS beat(2)-2.71%
Max EPS beat(2)-1.16%
EPS beat(4)2
Avg EPS beat(4)-0.8%
Min EPS beat(4)-2.71%
Max EPS beat(4)0.66%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.28%
Min Revenue beat(2)-1.56%
Max Revenue beat(2)1%
Revenue beat(4)1
Avg Revenue beat(4)-5.88%
Min Revenue beat(4)-20.5%
Max Revenue beat(4)1%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)2.78%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 4.72
Fwd PE 4.58
P/S 1.08
P/FCF 4.99
P/OCF 4.77
P/B 1.68
P/tB N/A
EV/EBITDA 6.36
EPS(TTM)2.42
EY21.19%
EPS(NY)2.49
Fwd EY21.82%
FCF(TTM)2.29
FCFY20.05%
OCF(TTM)2.4
OCFY20.98%
SpS10.54
BVpS6.78
TBVpS-20.42
PEG (NY)12.01
PEG (5Y)0.49
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 4.66%
ROE 26.09%
ROCE N/A
ROIC 10.69%
ROICexc 11.17%
ROICexgc N/A
OM 34.82%
PM (TTM) 16.8%
GM 83.8%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)14.38%
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y-21.84%
ROICexc growth 5Y-12.32%
OM growth 3Y-11.59%
OM growth 5Y-5.44%
PM growth 3Y-18.39%
PM growth 5Y-10.28%
GM growth 3Y-3.18%
GM growth 5Y-2%
F-Score6
Asset Turnover0.28
Health
Industry RankSector Rank
Debt/Equity 2.23
Debt/FCF 7.37
Debt/EBITDA 3.96
Cap/Depr 17.98%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 129.32%
Current Ratio 0.6
Quick Ratio 0.6
Altman-Z 0.63
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)46.28%
Cap/Depr(5y)70.92%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)122.01%
Profit Quality(5y)112.82%
High Growth Momentum
Growth
EPS 1Y (TTM)9.12%
EPS 3Y9.29%
EPS 5Y9.63%
EPS Q2Q%-7.59%
EPS Next Y0.39%
EPS Next 2Y3.16%
EPS Next 3Y4.47%
EPS Next 5Y2.42%
Revenue 1Y (TTM)5.79%
Revenue growth 3Y6.83%
Revenue growth 5Y6.96%
Sales Q2Q%3.19%
Revenue Next Year-16.51%
Revenue Next 2Y-6.07%
Revenue Next 3Y-1.83%
Revenue Next 5Y-2.04%
EBIT growth 1Y12.63%
EBIT growth 3Y-5.55%
EBIT growth 5Y1.13%
EBIT Next Year12.35%
EBIT Next 3Y7.04%
EBIT Next 5Y2.77%
FCF growth 1Y-6.01%
FCF growth 3Y2.93%
FCF growth 5Y0.1%
OCF growth 1Y-5.76%
OCF growth 3Y3.07%
OCF growth 5Y0.34%

CI FINANCIAL CORP / CIXX FAQ

What is the fundamental rating for CIXX stock?

ChartMill assigns a fundamental rating of 3 / 10 to CIXX.


What is the valuation status for CIXX stock?

ChartMill assigns a valuation rating of 6 / 10 to CI FINANCIAL CORP (CIXX). This can be considered as Fairly Valued.


Can you provide the profitability details for CI FINANCIAL CORP?

CI FINANCIAL CORP (CIXX) has a profitability rating of 5 / 10.


What are the PE and PB ratios of CI FINANCIAL CORP (CIXX) stock?

The Price/Earnings (PE) ratio for CI FINANCIAL CORP (CIXX) is 4.72 and the Price/Book (PB) ratio is 1.68.


Can you provide the expected EPS growth for CIXX stock?

The Earnings per Share (EPS) of CI FINANCIAL CORP (CIXX) is expected to grow by 0.39% in the next year.