CI FINANCIAL CORP (CIXX) Fundamental Analysis & Valuation

NYSE:CIXX • CA1254911003

Current stock price

11.42 USD
-0.08 (-0.7%)
At close:
11.35 USD
-0.07 (-0.61%)
After Hours:

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

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.
  • CIXX's Return On Equity of 26.09% is amongst the best of the industry. CIXX outperforms 87.98% of its industry peers.
  • CIXX has a Return On Invested Capital of 10.69%. This is amongst the best in 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

  • CIXX has a Profit Margin of 16.80%. This is comparable to the rest of the industry: CIXX outperforms 59.62% of its industry peers.
  • In the last couple of years the Profit Margin of CIXX has declined.
  • With a Operating Margin value of 34.82%, CIXX perfoms like the industry average, outperforming 55.29% of the companies in the same industry.
  • In the last couple of years the Operating Margin of CIXX has declined.
  • The Gross Margin of CIXX (83.80%) is better than 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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

  • 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.
  • Looking at the Debt to FCF ratio, with a value of 7.37, CIXX is in the better half of the industry, outperforming 68.75% of the companies in the same industry.
  • CIXX has a Debt/Equity ratio of 2.23. This is a high value indicating a heavy dependency on external financing.
  • CIXX has a worse Debt to Equity ratio (2.23) than 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.
  • 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 has a worse Quick ratio (0.60) than 70.19% of its industry peers.
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

More info and screens

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

3

3. CIXX Growth Analysis

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.
  • CIXX shows a small growth in Revenue. In the last year, the Revenue has grown by 5.79%.
  • Measured over the past years, CIXX shows a small growth in Revenue. The Revenue has been growing by 6.96% on average per year.
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.
  • 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.
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

More info and screens

Find the best growth stocksShow best growing peers

7

4. CIXX Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 4.72 indicates a rather cheap valuation of CIXX.
  • Based on the Price/Earnings ratio, CIXX is valued cheaply inside the industry as 95.19% of the companies are valued more expensively.
  • CIXX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.78.
  • CIXX is valuated cheaply with a Price/Forward Earnings ratio of 4.58.
  • 96.15% of the companies in the same industry are more expensive than CIXX, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.54, CIXX is valued rather cheaply.
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

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.
  • Based on the Price/Free Cash Flow ratio, CIXX is valued cheaper than 86.54% of the companies 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%

More info and screens

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.
  • Compared to an average industry Dividend Yield of 6.74, CIXX has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.83, 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

  • 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%
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

Find the best dividend stocksShow peers with best dividend

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 Fundamental Analysis 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.


What is the profitability of CIXX stock?

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.


Is the dividend of CI FINANCIAL CORP sustainable?

The dividend rating of CI FINANCIAL CORP (CIXX) is 5 / 10 and the dividend payout ratio is 32.44%.