CI FINANCIAL CORP (CIXX) Stock Fundamental Analysis
USA - NYSE:CIXX - CA1254911003 - Common Stock
11.42 USD
-0.08 (-0.7%)
11.35 USD
-0.07 (-0.61%)
Taking everything into account, CIXX scores 4 out of 10 in our fundamental rating. CIXX was compared to 237 industry peers in the Capital Markets industry. CIXX has a medium profitability rating, but doesn't score so well on its financial health evaluation. CIXX is valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year CIXX was profitable.
CIXX had a positive operating cash flow in the past year.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.66%, CIXX is in the better half of the industry, outperforming 70.19% of the companies in the same industry.
Looking at the Return On Equity, with a value of 26.09%, CIXX belongs to the top of the industry, outperforming 87.98% of the companies in the same industry.
With an excellent Return On Invested Capital value of 10.69%, CIXX belongs to the best of the industry, outperforming 82.69% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
With a Profit Margin value of 16.80%, CIXX perfoms like the industry average, outperforming 59.62% of the companies in the same industry.
In the last couple of years the Profit Margin of CIXX has declined.
CIXX's Operating Margin of 34.82% is in line compared 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.
With an excellent Gross Margin value of 83.80%, CIXX belongs to the best of the industry, outperforming 82.21% of the companies in the same industry.
In the last couple of years the Gross Margin of CIXX has declined.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
Compared to 1 year ago, CIXX has less shares outstanding
The debt/assets ratio for CIXX is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.63, we must say that CIXX is in the distress zone and 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.
Looking at the Debt to Equity ratio, with a value of 2.23, CIXX is doing worse than 82.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.23 | ||
| Debt/FCF | 7.37 | ||
| Altman-Z | 0.63 |
ROIC/WACCN/A
WACCN/A
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.
CIXX has a worse Current ratio (0.60) than 70.19% of its industry peers.
CIXX has a Quick 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.
The Quick ratio of CIXX (0.60) is worse than 70.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.6 | ||
| Quick Ratio | 0.6 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 9.12% over the past year.
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.
CIXX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.96% yearly.
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
The Earnings Per Share is expected to grow by 2.42% on average over the next years.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 4.72, the valuation of CIXX can be described as very cheap.
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 25.89, CIXX is valued rather cheaply.
A Price/Forward Earnings ratio of 4.58 indicates a rather cheap valuation of CIXX.
CIXX's Price/Forward Earnings ratio is rather cheap when compared to the industry. CIXX is cheaper than 96.15% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.59. CIXX is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.72 | ||
| Fwd PE | 4.58 |
4.2 Price Multiples
CIXX's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. CIXX is cheaper than 84.62% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, CIXX is valued cheaper than 86.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.99 | ||
| EV/EBITDA | 6.36 |
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%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.53%, CIXX is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 8.45, CIXX has a dividend in line with its industry peers.
CIXX's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector 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
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%
11.42
-0.08 (-0.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 of CI FINANCIAL CORP (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.
How financially healthy is CI FINANCIAL CORP?
The financial health rating of CI FINANCIAL CORP (CIXX) is 1 / 10.
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.