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%)
Overall CIXX gets a fundamental rating of 4 out of 10. We evaluated CIXX against 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 cheap, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
CIXX had positive earnings in the past year.
In the past year CIXX had a positive cash flow from operations.
1.2 Ratios
The Return On Assets of CIXX (4.66%) is better than 70.19% of its industry peers.
CIXX's Return On Equity of 26.09% is amongst the best of the industry. CIXX outperforms 87.98% of its industry peers.
The Return On Invested Capital of CIXX (10.69%) is better than 82.69% of its industry peers.
| 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
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.
CIXX's Profit Margin has declined in the last couple of years.
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.
CIXX's Gross Margin has declined in the last couple of years.
| 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
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 in line with its industry peers.
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.
CIXX has a Debt to FCF ratio of 7.37. This is in the better half of the industry: CIXX outperforms 68.75% of its industry peers.
A Debt/Equity ratio of 2.23 is on the high side and indicates that CIXX has dependencies on debt financing.
With a Debt to Equity ratio value of 2.23, CIXX is not doing good in the industry: 82.21% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.23 | ||
| Debt/FCF | 7.37 | ||
| Altman-Z | 0.63 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.60 indicates that CIXX may have some problems paying its short term obligations.
With a Current ratio value of 0.60, CIXX is not doing good in the industry: 70.19% of the companies in the same industry are doing better.
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.
CIXX's Quick ratio of 0.60 is on the low side compared to the rest of the industry. CIXX is outperformed by 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.
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.
CIXX is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.04% yearly.
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
The Price/Earnings ratio is 4.72, which indicates a rather cheap valuation of CIXX.
Compared to the rest of the industry, the Price/Earnings ratio of CIXX indicates a rather cheap valuation: CIXX is cheaper than 95.19% of the companies listed in the same industry.
CIXX is valuated cheaply when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 4.58, which indicates a rather cheap valuation of CIXX.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CIXX indicates a rather cheap valuation: CIXX is cheaper than 96.15% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, CIXX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.72 | ||
| Fwd PE | 4.58 |
4.2 Price Multiples
84.62% of the companies in the same industry are more expensive than CIXX, based on the Enterprise Value to EBITDA ratio.
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
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 8.53.
Compared to an average S&P500 Dividend Yield of 2.44, CIXX pays a better dividend.
| 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
CIXX pays out 32.44% of its income as dividend. This is a 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.